The Money Merge Account™ Overview

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.

The Three Major Components of the Money Merge Account™

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.