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Two homeowners, each 50 years of age, take out a 30-year mortgage for $200,000 at 6% interest.

The first homeowner makes all his monthly payments and pays off his mortgage by age 79.

The second homeowner makes all his monthly payments and pays off his mortgage by age 60 1/2 without altering his cash flow nor changing his lifestyle.

Which homeowner sounds like you?

Can you afford to guess?

The difference between these two homeowners is simply that the second homeowner took advantage of a revolutionary program by United First Financial utilizing a Money Merge Account in conjunction with a home equity line of credit.

Great question. I get asked this question often and I think you'll like the answer I have for you.

The answer is no. It is not necessary to refinance your existing mortgage loan.

You may choose to refinance your mortgage for additional interest savings but refinancing your existing mortgage loan is not required for the Money Merge Account to work.

If you do not currently have a specific line of credit one will need to be opened. You're welcome to use the bank of your choice to set this up.

"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. (continued)...

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.

For those Americans who move frequently, 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 won'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.

The Money Merge Account system makes a 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 in which interest accrues. By decreasing the balance in which interest accrues, you increase the portion of your monthly payment which is credited toward your principal pay down.

The Money Merge Account system determines the specific timing and amounts for each transfer required to produce the quickest payoff time and highest interest savings possible.

There are also multiple financial options programmed into the Money Merge Account software which assist homeowners in paying down their mortgage as soon as possible.

I get this question at least once every week.

If you were programmed and conditioned to calculate the exact amount of money to be transferred to your primary mortgage each and every month you might be able to do this yourself.

It is important to note that the Money Merge Account program is set up so that the maximum amount of funds are sent to principal, while the least amount is paid in interest. The Money Merge Account is a finely tuned system that is maximizing the power of your money.

There is much more involved here than just taking your discretionary income and applying it to your first mortgage each month. Using the Money Merge Account program will accelerate the payoff much faster than a monthly transfer to principal.

Underestimating the power of this program is easy to do and could cost you tens of thousands of dollars in interest.

Also included in this system is a real time "Financial Dashboard" that continually gives you feedback every time you make an entry into the software. This allows you to make better decisions when it comes to capital expenditures and planning for a better future.

The Money Merge Program does in fact help people change the way they look at becoming debt free in a positive and rewarding way.