y Birkner, an agent with United First Financial, explains, "If we think that a Money Merge Account is not right for you, then we will let you know and explain why. That's why the free Money Merge Account analysis that we do with each prospective client is so important. We will run an analysis based off the information you provide us about your mortgage, debt and income. After calculating your results and reviewing them together, you'll make a determination if the Money Merge Account is right for your financial situation."

For those Americans who move frequently, Birkner adds, "the Money Merge Account is transferable to your next property, and all updates to the software program are automatic as well as free of charge. You don't have to stay in your home for a long time to see pos

"Those who understand interest earn it; those who don't are doomed to pay it" is a quote often attributed to the great Albert Einstein. However, regardless of who said it, millions of Americans are "doomed" to paying thousands of dollars of interest on their mortgages loans every year as they exist paycheck to paycheck.

Basically, most homeowners are hostage to the financial institution holding their loan paying about twice the purchase price of their home on a traditional 30-year mortgage. Until lately, making additional payments on their principal balance was the only way to break loose of the tightening grip of banks and big mortgage companies.

This is how the mortgage industry has operated in our country for a long time. Then, a couple of years ago, some Utah-based mortgage brokers refined an idea that had been used in Australia, New Zealand, and Europe for over 15 years allowing homeowners to combine their home loans, bank accounts, and credit lines to form a revolutionary product called the Money Merge Account.

United First Financial is the company behind the Money Merge Account. Using a mortgage software program in conjunction with a HELOC (home equity line of credit), the Money Merge Account enables you to create a customized financial blueprint to pay off your 30-year mortgage in as little as 8 to 11 years on average.

The Money Merge Account software looks at your monthly income, expenses, HELOC balance, and discretionary income. Because the software wants your equity line of credit to function just like a checking account, it will only ask you to transfer additional funds to your primary mortgage if your equity line balance is at an optimal point. The Money Merge Account will make recommendations on when to make a payment, for example, but ultimately you will remain in charge of paying your bills and using your money.

Once you have made an initial transfer of funds to your primary mortgage, your discretionary income will eventually pay down your HELOC balance. When your HELOC returns to an optimal level, the software will again ask you to make another funds transfer. The cycle of depositing your income and paying your expenses will continue until your mortgage and HELOC are eventually paid off.

The Money Merge Account is a tool that provides you with real time data to keep you on track in meeting your financial goals. You will be able to calculate the real effects of your various purchases and deposits right away.

In essence, the Money Merge Account program will help you develop better spending habits in order to lower your payoff times.

United First Financial insists that no refinancing is necessary and you don't need to increase your monthly mortgage payments to reduce your interest paid. Four hundred homes participated in a beta test in Denver, Colorado three years ago with a 97.4% success rate and many homeowners reported a faster loan repayment rate than what the company advertises.

United First Financial will not accept you unless you meet certain qualifications. If you have a low credit score or you are prone to spend more than you make, then you are unlikely to qualify for the Money Merge Account.

Amy Birkner, an agent with United First Financial, explains, "If we think that a Money Merge Account is not right for you, then we will let you know and explain why. That's why the free Money Merge Account analysis that we do with each prospective client is so important. We will run an analysis based off the information you provide us about your mortgage, debt and income. After calculating your results and reviewing them together, you'll make a determination if the Money Merge Account is right for your financial situation."

For those Americans who move frequently, Birkner adds, "the Money Merge Account is transferable to your next property, and all updates to the software program are automatic as well as free of charge. You don't have to stay in your home for a long time to see posi

t had been used in Australia, New Zealand, and Europe for over 15 years allowing homeowners to combine their home loans, bank accounts, and credit lines to form a revolutionary product called the Money Merge Account.

United First Financial is the company behind the Money Merge Account. Using a mortgage software program in conjunction with a HELOC (home equity line of credit), the Money Merge Account enables you to create a customized financial blueprint to pay off your 30-year mortgage in as little as 8 to 11 years on average.

The Money Merge Account software looks at your monthly income, expenses, HELOC balance, and discretionary income. Because the software wants your equity line of credit to function just like a checking account, it will only ask you to transfer additional funds to your primary mortgage if your equity line balance is at an optimal point. The Money Merge Account will make recommendations on when to make a payment, for example, but ultimately you will remain in charge of paying your bills and using your money.

Once you have made an initial transfer of funds to your primary mortgage, your discretionary income will eventually pay down your HELOC balance. When your HELOC returns to an optimal level, the software will again ask you to make another funds transfer. The cycle of depositing your income and paying your expenses will continue until your mortgage and HELOC are eventually paid off.

The Money Merge Account is a tool that provides you with real time data to keep you on track in meeting your financial goals. You will be able to calculate the real effects of your various purchases and deposits right away.

In essence, the Money Merge Account program will help you develop better spending habits in order to lower your payoff times.

United First Financial insists that no refinancing is necessary and you don't need to increase your monthly mortgage payments to reduce your interest paid. Four hundred homes participated in a beta test in Denver, Colorado three years ago with a 97.4% success rate and many homeowners reported a faster loan repayment rate than what the company advertises.

United First Financial will not accept you unless you meet certain qualifications. If you have a low credit score or you are prone to spend more than you make, then you are unlikely to qualify for the Money Merge Account.

Amy Birkner, an agent with United First Financial, explains, "If we think that a Money Merge Account is not right for you, then we will let you know and explain why. That's why the free Money Merge Account analysis that we do with each prospective client is so important. We will run an analysis based off the information you provide us about your mortgage, debt and income. After calculating your results and reviewing them together, you'll make a determination if the Money Merge Account is right for your financial situation."

For those Americans who move frequently, Birkner adds, "the Money Merge Account is transferable to your next property, and all updates to the software program are automatic as well as free of charge. You don't have to stay in your home for a long time to see pos

onal funds to your primary mortgage if your equity line balance is at an optimal point. The Money Merge Account will make recommendations on when to make a payment, for example, but ultimately you will remain in charge of paying your bills and using your money.

Once you have made an initial transfer of funds to your primary mortgage, your discretionary income will eventually pay down your HELOC balance. When your HELOC returns to an optimal level, the software will again ask you to make another funds transfer. The cycle of depositing your income and paying your expenses will continue until your mortgage and HELOC are eventually paid off.

The Money Merge Account is a tool that provides you with real time data to keep you on track in meeting your financial goals. You will be able to calculate the real effects of your various purchases and deposits right away.

In essence, the Money Merge Account program will help you develop better spending habits in order to lower your payoff times.

United First Financial insists that no refinancing is necessary and you don't need to increase your monthly mortgage payments to reduce your interest paid. Four hundred homes participated in a beta test in Denver, Colorado three years ago with a 97.4% success rate and many homeowners reported a faster loan repayment rate than what the company advertises.

United First Financial will not accept you unless you meet certain qualifications. If you have a low credit score or you are prone to spend more than you make, then you are unlikely to qualify for the Money Merge Account.

Amy Birkner, an agent with United First Financial, explains, "If we think that a Money Merge Account is not right for you, then we will let you know and explain why. That's why the free Money Merge Account analysis that we do with each prospective client is so important. We will run an analysis based off the information you provide us about your mortgage, debt and income. After calculating your results and reviewing them together, you'll make a determination if the Money Merge Account is right for your financial situation."

For those Americans who move frequently, Birkner adds, "the Money Merge Account is transferable to your next property, and all updates to the software program are automatic as well as free of charge. You don't have to stay in your home for a long time to see pos

he real effects of your various purchases and deposits right away.

In essence, the Money Merge Account program will help you develop better spending habits in order to lower your payoff times.

United First Financial insists that no refinancing is necessary and you don't need to increase your monthly mortgage payments to reduce your interest paid. Four hundred homes participated in a beta test in Denver, Colorado three years ago with a 97.4% success rate and many homeowners reported a faster loan repayment rate than what the company advertises.

United First Financial will not accept you unless you meet certain qualifications. If you have a low credit score or you are prone to spend more than you make, then you are unlikely to qualify for the Money Merge Account.

Amy Birkner, an agent with United First Financial, explains, "If we think that a Money Merge Account is not right for you, then we will let you know and explain why. That's why the free Money Merge Account analysis that we do with each prospective client is so important. We will run an analysis based off the information you provide us about your mortgage, debt and income. After calculating your results and reviewing them together, you'll make a determination if the Money Merge Account is right for your financial situation."

For those Americans who move frequently, Birkner adds, "the Money Merge Account is transferable to your next property, and all updates to the software program are automatic as well as free of charge. You don't have to stay in your home for a long time to see pos

y Birkner, an agent with United First Financial, explains, "If we think that a Money Merge Account is not right for you, then we will let you know and explain why. That's why the free Money Merge Account analysis that we do with each prospective client is so important. We will run an analysis based off the information you provide us about your mortgage, debt and income. After calculating your results and reviewing them together, you'll make a determination if the Money Merge Account is right for your financial situation."

For those Americans who move frequently, Birkner adds, "the Money Merge Account is transferable to your next property, and all updates to the software program are automatic as well as free of charge. You don't have to stay in your home for a long time to see positive results from this program."

United First Financial is providing a road to financial freedom for homeowners that was not available five years ago. The possibility of fulfilling your dream of home ownership is now more easily obtainable. Now is the time to decide for yourself if this program can make interest work for you rather than be always "doomed" to pay it.