The Money Merge Account™ does not require a mortgage refinance as this is not a mortgage, instead is an advanced software program that is designed to work with a Home Equity Line of Credit (HELOC). In addition to the software program, you also receive technical and customer support from United First Financial professionals for the life of your mortgage.

You may be thinking, "So, this product is a glorified calculator." Well, not exactly. Think of it more as your own personal accountant who works 24/7 with only one goal, to get your mortgage and any other debts to zero.

How it Works

The basic idea is that you deposit all your income into a special HELOC or Advanced Line of Credit (ALOC) and then the Money Merge Account™ software tells you exactly where to transfer your money and how much.

You may be wondering if the system takes control of your finances. Don't be afraid, you are the only one who is authorized to make any payments or tranfers. The system only recommends where to apply your money, you don't have to follow their advice. Of course, if you decide not to follow their advice, you are only hurting yourself in the form of higher interest payments and longer debt life.

The ALOC or HELOC that I keep mentioning is something you would need to set up on your own. Keep in mind, their are a few requirements that these LOCs must have in order for the system to work properly. For one, the LOC must be able to be utilized similarly to a normal checking account. You must be able to write checks, transfer money, use a debit/credit card, preferrably all free of charge. Also the LOC must have an open-ended interest calculation (as apposed to a closed-ended interest calculation like your mortgage).