How It Works

There are 3 components to the Money Merge Account.

A Home Equity Line of Credit (HELOC, also referred to as an "ALOC", or Advanced Line of Credit)
The Money Merge Account Software
Your first mortgage

A small payment at the beginning of a mortgage can have tremendous effects on how quickly it is paid off and how much is saved in interest. In the example on the Home page, we saw that a $200,000 loan will cost $231,676 in interest alone. However, if we were to apply a $5,000 payment on the very first day of that loan, it would actually cancel $23,304 of interest.

Here's the point: due to the nature of home loans, extra payments made towards the loan's principle balance will have an exponentially large effect on decreasing interest charges over the life of the loan, as well as the total time required to pay it off. The problem is, most of us don't have an extra $5,000 to plop down into our first mortgage. And that's where the Money Merge Account comes in.

In a nutshell, the program leverages the banks money (the HELOC) to cancel massive amounts of interest in your first mortgage. In order to do this, the software prompts the user to transfer precise amounts of money at discrete time intervals from the HELOC to the first mortgage. Think of it like using your credit card to make a payment on your mortgage. In other words, you now have a balance on your credit card (or in this case, your HELOC). This balance is quickly paid off, however, by using your HELOC as your primary checking/savings account: whenever you receive a paycheck or any other type of income, deposit it into the HELOC account (for more detail on this, check out our Home Equity Secrets section). In this way the HELOC balance is paid down to it's initial balance, at which point the cycle repeats itself. Over time, this process rapidly reduces the balance on your first mortgage, saving you tens or hundreds of thousands of dollars in interest and shaving years and years off the time required to repay the loan.

Money Merge Account How It Works Diagram

An analogy: Let's take a look at how the Money Merge Account program works using something you're already familiar with: a car. More specifically, one of those nifty new cars that includes a navigation system. Using this car analogy, we're going to take a road trip to Disneyland.

Your HELOC is the car

Your car is the vehicle that takes you from wherever you're at to Disneyland. The HELOC does the same thing: it is the tool that drives you from your current mortgage balance to a zero mortgage balance.

The Money Merge Account software is the navigation system

The car's navigation system gives you precise directions. It tells you when and where to turn, allowing you to arrive at your destination as quickly and efficiently as possible. Without it, no doubt you'd eventually arrive at Disneyland, but it would take you a lot longer to get there than if you had used the navigation system.

The MMA software works the same way; it tells you, down to the penny and day, exactly what to do and when to do it.

The balance on your HELOC is the fuel in the car

For your car to be a useful tool in getting you from A to B, it needs fuel. Without gas, it might as well be a cardboard box. Obviously, you will consume gas during your trip, and when this happens you'll need to add more gas in order for your car to continue doing its job.

Although the Money Merge Account software will never allow your available credit to be anywhere near empty, as you follow the program you will "consume" your line of credit and your balance will rise. In order to keep the system running, you must pay that balance back down. This is quickly and elegantly done by using the HELOC as your primary checking/savings account (again, check out Home Equity Secrets for a detailed explanation of how this works).

Paying off your mortgage analagous to arriving at Disneyland

Or wherever your paradise is...

You ultimately control the outcome. Your navigation system will tell you how to reach your destination, but unless you follow the instructions you'll never reach it. Similarly, the Money Merge Account places you in the driver's seat. Follow the system and you'll reach your destination. Guaranteed.

The purpose of driving to Disneyland is not simply to arrive at Disneyland. It's to enjoy the rides and attractions.

...in much the same way, the purpose of the Money Merge Account program is not to pay off your mortgage. It's to help you achieve financial freedom and enjoy all the associated benefits.

Fill out the analysis form now to see how soon you can be mortgage free.