Advance interest minimizer I first started picking the bi-weekly payment every month....then couple of month later some person call me and offer me the advance interest minimizer and he promise me Im going to finish my mortgage payments in 10 to 14 yrs.and ask me $3.500 to get in the program.......the following day I use my American Express card and I paid $3500.00.....I been in this program for about 4 month but today some lady told me on the phone .....when I paid off all my credit cards Im going to save money and I can make extra payments to my mortgage.....from the beguining they dint explain me like that and looks to me a $3500 rip off Xenia Ohio