1. Your Existing Primary mortgage
The existing mortgage on your home is the foundation for the Money Merge Account.

2. An Advanced Line of Credit (ALOC)
The Money Merge Account program uses an advanced equity line of credit as a vehicle or a tool to drive the program. The equity line of credit must have the capacity to operate similarly to a primary checking account and be set up with an open-end interest calculation (rather than a closed-end interest calculation). Combined with the Money Merge Account’s web-based system, this creates a formula in which the money in your line of credit account generates an interest cancellation on your primary mortgage.

3. MMA software
The online Money Merge Account system makes a virtual connection between your bank account, the advanced line of credit, and your primary mortgage. Each time you transfer income into your account, it registers as a decrease to your mortgage balance. By decreasing your mortgage balance, you now lower the balance on which interest accrues. By decreasing the balance on which interest accrues, you increase the portion of your monthly payment which is credited toward your principal pay down. The algorithms in the proprietary Money Merge Account system are systematically programmed to create the highest interest savings possible in the least amount of time under this system.

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"5 easy steps to becoming mortgage free:"

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2. Activate your Money Merge Account

3. Deposit Your Paycheck
Deposit your paycheck into your current checking and/or savings account. As soon as the funds clear, the amount you designate is transferred from your checking and/or savings account into your Money Merge Account managed line of credit. Because the line of credit is connected to your home, the money transferred from your checking and/or savings accounts decreases your mortgage balance, thus reducing the balance in which interest builds.

4. Pay Your Bills
Throughout the month, you pay your bills using your Money Merge Account managed line of credit. With this account, money is immediately available through checks, debit cards, and ATMs*. The amount left after bills have been paid remains against the balance of your mortgage until you need it, keeping your mortgage balance as low as possible, further reducing mortgage interest charges.

5. Follow the system
Follow the promptings of the online Money Merge Account system to maximize your savings and pay your mortgage off as quickly as possible.

*We encourage homeowners to do their homework and to get the facts in deciding if the Money Merge Account is right for you.
*Please keep in mind that not all banks provide the same terms and services with their lines of credit.
*Please inquire with your bank as to what services they provide with their lines of credit. 
*United First Financial does not provide financial or investment advice.

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"Money Merge Account Analysis"