Would you rather earn interest or pay interest? For many consumers, traditional financial management techniques leave them paying much more interest than they earn, whether on consumer credit or a home mortgage. Skyler Witman and John Washenko knew that there had to be a better way.

Nearly a decade ago, Skyler and John launched Accelerated Equity & Development, a mortgage company dedicated to building a reputation based on competitive rates and the best terms in the market. The company grew quickly, but then they began to notice that several of their clients accumulated staggering amounts of debt. Clients would refinance their mortgages time and time again, draining the equity from their homes and extending the term of their loans further and further into the future. Even with the best rates available, clients would pay thousands of dollars in total interest charges, mainly due to the amount of time they would be paying on their loans.

Initially, Accelerated Equity offered their clients mortgage debt reduction programs such as a bi-weekly payment plan, but Skyler and John soon realized clients needed something more to meet their financial needs. Thus began years of research that would eventually launch a powerful new tool, the Money Merge Account™ program, revolutionary in its ability to help individuals and families pay off mortgages in as little as 1/3 to 1/2 the time. The program required little to no change to their clients’ in lifestyle, and they weren’t required to refinance their existing mortgage or change their monthly mortgage payment.

Skyler and John then built a top-notch IT division and contracted an aeronautical engineer to begin creating the mathematical algorithms and system programming that would be come the very heart of the Money Merge Account program.

They offered the program to homeowners in the Denver, Colorado area for a one-year market test. To their astonishment, the homeowners were on track to pay off their mortgage and all of their consumer debt 20% percent faster than originally predicted. Homeowners with traditional 30-year loans were on track to become mortgage free after only 8 to 11 years.

With this breakthrough, Skyler and John brought on colleagues Jonathan E. Bonnette, Matt Lovelady and Don Jorgensen, and created United First Financial. These colleagues brought with them many years of expertise in the mortgage and financial arena.

Today, the Money Merge Account program has become so successful that the company has expanded across the U.S. and into parts of Canada, helping thousands of homeowners get on the fast track to financial freedom. Even more powerfully, the program now allows clients—homeowners or not—to target total debt elimination or save for future financial goals.

The demand for the Money Merge Account system is exploding, because the full package approach combines powerful financial education with dynamic online tracking software, giving UFirst clients the knowledge they need to set high financial goals and the tools they need to make those goals reality. With a strong program, a knowledgeable client support staff, and a dedicated team of independent agents, UFirst is changing the financial landscape for thousands of individuals and families.