Want to purchase a home the one thing that is for the most part unavoidable is taking on a mortgage to realize your dreams.  This opens the whole discussion of which mortgage is best for your personal needs and goals.  No one product is a perfect fit for everyone.  For some it is a longer term (50 yr mortgages now available) with the lowest fixed interest rate available.  Others are further ahead to take a 15 year term and pay it off quickly with more variations in between than could ever be listed here. 

 There is a school of thought (Thanks Ric Edelman) that suggest to take on a 30 year mortgage and never pay it off, keeping the payment as low as possible and investing the difference towards your retirement. 

Another school (in Memory of Larry Burkett) is "the absolute best retirement investment that will fit into any retirement plan is to have a debt-free home.  That means to pay off the home mortgage as soon as possible, then use the money that was paying mortgage payments to start a retirement account or reinforce an existing one."

Whatever your school of thought on the subject, everyone ussually agrees that to own their home free and clear would be a great feeling and an incredible accomplishment.  Unfortunately life is messy and instead of moving towards this goal most find themselves doing the mortgage dance.  This is where we build our equity, spend more than we make, get into deeper debt, realize we can tap our equity to bail ourselves out, refinance our home to pay off the debt, restart our amortization table, hopefully lower our interest and our payment, then start the process all over again.

We have all seen the TV commercial where near the end the main character, the smiling man explaining how he is in debt up to his eyeballs, is riding the lawn tractor saying "someone please help me", and of course the answer from the mortgage/banking industry is to start the mortgage dance all over again.

What if there were a new option that could, instead of the dance, allow you to pay off your mortgage in about 1/3 the time ( 30 yr paid off in 8 to 10 yrs), saving you tens even hundreds of thousands of dollars in interest.  What if you could do this without refinancing your current mortgage (no restarting your amortization table), without changing your current budget, and in general not changing your present lifestyle in anyway?

 As a mortgage and/or real estate professional, how different, how much better would you feel to be able to offer this type of an option to your clients to protect them in just about any market by assisting them to build their equity position so much faster.  Would this make it easier for your move up buyer to purchase a bigger home sooner with the ability to finance less.  Wouldn't this allow your client looking to buy their second home to do so with just one mortgage instead of two?  Who are they going to be calling for all of their real estate and mortgage needs if you are the one to bring them this option?

Do not fall into the trap my wife and I almost did in jumping to the conclusion that the old adage "if it sounds too good to be true it is" best describes a product/system that could do all the above.  This is how we felt as soon as we heard about it, yet after over 2 months of due diligence (along with 3 mortgage brokers, 2 bankers, 2 real estate attorneys, 2 accountants, and 3 financial planners) we so far have not been able to find a single downside to this system.  Instead determine to openly explore, research, and challenge this system and you will come to the same conclusion we have that here is a system that can benefit almost every homeowner is such a dramatic way that you will have no choice but to get excited and find the need to share this with everyone.

Check out this link for a 48 minute presentation of United First Financials Money Merge Account by clicking on this link.  If you have questions (which you will) feel free to contact me via email knhav@comcast.net since I have not yet gotten into a habit of checking this site as often as I should.