A side-by-side comparison of a traditional mortgage repayment shows the savings potential using the MMA system. A 30-year, $136,000 mortgage at 5.25%, when paid through conventional monthly payments, will result in a 30-year total repayment of $270,784 - nearly twice the cost of the home. The MMA program can repay the same mortgage in 11.3 years with a total repayment of $181,217. An incredible savings of $89,566 is realized on the same income, with the same mortgage, at the same interest rate, and without any changes to your standard of living. MMA is simply one of the fastest ways to repay a mortgage and be on your way to financial freedom.
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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 MMA 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 MMA'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 MMA system makes a connection between your bank
account, the advanced line of credit, and your primary mortgage. Each time you
deposit 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 MMA system are
systematically programmed to create the highest interest savings possible in the
least amount of time.

1. Fill out the MMA application

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 MMA system to
maximize your savings and pay your mortgage off as quickly as possible.*

*Check with your United First
Financial agent to see if the Money Merge Account is right for you.

Q. What is the Money Merge Account?
A. The Money Merge Account is an online account system that incorporates your checking and savings accounts with an advanced line of credit, or ALOC. Through this program, homeowners have the ability to pay off their 30-year mortgage in as little as one-third of the time, without refinancing their existing mortgage loan or increasing minimum monthly payments.

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Q. Do you have access to or control of my money?
A. No. You are the only person with access to your accounts.
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Q. Why don't the banks offer this program?
A. The MMA utilizes banking principles that are accepted by most banks across the nation. The MMA program simply provides you with the necessary tools to use your money to reduce interest, instead of the bank using your money to earn interest. This is the primary reason the banks do not offer the MMA program.
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Q. Is there any risk involved?
A. From a financial standpoint, there is very little risk. No stock market crash or extreme interest fluctuation can completely eradicate the expected outcome. If your numbers remain the same, we guarantee the results given at the outset of the program. Only homeowners that qualify to significantly reduce their mortgage payoff time and interest, however, will be activated on the MMA program.
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Q. Can anybody qualify for the MMA?
A. It is important to go through a brief questionnaire when applying for the MMA program. Fortunately, there are several avenues that can be taken to gain approval or tailor the program to work for your specific situation, but the MMA program is not for everybody.
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Q. Can I own multiple investment properties at one time and utilize just one MMA program, or do I need one for each property?
A. The MMA is most effective when used to payoff one property at a time. As each property is paid off, your overall discretionary income can increase; creating an accelerated payoff period for each subsequent property.
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Q. Do you make payments for me?
A. No. We do not have any access to your accounts. You will be initiating all transactions by following the prompting of your online MMA account. You will be in complete control.
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Q. Will MMA work with an interest only or negative amortization payment on my primary mortgage?
A. Yes. In fact, MMA helps you to take control of the outcome of these types of loans to benefit you substantially.

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