Paying off your Mortgage in record time.

Real Estate Agent with RE/MAX Premier Associates


Is it possible to effectively pay off a 30-year mortgage

in as little as 8 to 11 years?


Most homeowners realize they will pay about twice the purchase price of their home on a traditional mortgage-a mortgage that will take about 30 years to pay off.

Now there is a way to break that cycle of financial drain-the Money Merge Account. Developed by a team of financial experts with years of experience in the mortgage industry, the MMA rapidly reduces the principal of your mortgage, practically eliminating the interest from accruing on your loan. Your 30-year mortgage can now be paid off in about 8 to 11 years, with no change to your lifestyle or refinancing of your existing mortgage.

The Money Merge Account is not a bi-weekly payment or debt roll-down system. It's an entirely new approach that gives homeowners flexibility with their money and complete financial freedom.


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.


United First Financial is an innovative company that helps American homeowners reach their financial goals. Our interest reduction solution puts the deed of your home in your hands in a fraction of the regular time by utilizing banking strategies, which have been around for decades.

The Money Merge Account (MMA)-a powerful tool to help you fulfill your dream of home ownership and save money for your future. The average MMA customer will pay their 30-year mortgage off 100% within 8 to 11 years-with little change to their day-to-day spending habits and without increasing their monthly mortgage payments.

   A mortgage-free future is closer than you can imagine.

Carlos "Chaz" Mena is an independent agent with United First Financial and a Florida licensed Realtor with Re/Max Hometown in Weston. To learn how United First Financial can work for you, please call Chaz at 954-804-1284 or you can visit

Comments (2)

Dave Cheatham
INC Financial - Bartlett, IL

There are also other ways to do this.  My question is this.  What happens when you are in this plan to pay off your mortgage early and you have all this extra money going towards the principal and none into savings.  All of a sudden the person has a layoff, or something that stops income for a short time.

Oh, they can't make the payments and fall behind.  Oh no now what!!!

I am not sure that people get into this in the right way at times. This is not for everyone.  People need to have money set aside.  I say start with 3 moths and move to one year.  When you have the money to pay living expenses for 1 year in savings then you can think about this method.

Do not get caught.

Jun 01, 2007 03:02 AM
Glenn Gaspar
First American Team Realty, Inc - Long Beach, CA
The MMA concept is great in a perfect world, but for the average person it is not so green.  The question I always ask is why would you want to place all of your earnings into your mortgage?  To me the lender is literally double dipping into their clients pocket book without the client knowing.
Aug 21, 2007 08:16 PM