2 weeks or 1 week or 1 month depending on how frequently you get paid. THAT is where the power of this methodology works. Say you win $100 playing poker one night - THAT money can go directly into your HELOC the next day, assuming you deposit it and transfer that money to your HELOC. But you won't be able to plow every dime of your paycheck - or every $20 you find in a sport coat you haven't worn in 2 years - into your mortgage w/out having to borrow money from somewhere else to pay your upcoming bills. By borrowing against your HELOC (for short periods, say, 1 month at a time, then pay it off) you are able to dramatically reduce your mortgage and at the same time you can borrow against your HELOC to pay your monthly bills. But then you can reduce your HELOC as the month progresses when you get paid. You can't borrow against your mortgage. And, depending on the current interest rates, the interest (in real dollars) you pay on your HELOC can be less than what you would have paid on that amount of money for the month had it remained in your mortgage. In other words, you would be paying interest on that money (say it was $1,500 for that month) but you would pay the WHOLE month's worth of interest on the FULL $1,500 by leaving it in the mortgage balance. Whereas, pulling that $1,500 out of your HELOC