By Accelerated Equity's third year in business, it had become one of Utah's fastest growing mortgage companies, attracting large numbers of both new business and returning customers. But in the face of all of this growth, Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating. As loan officers, they could offer clients little help to pull themselves out of the mire of financial debt.

And so began years of research that would eventually launch a powerful new tool, revolutionary in its impact on the American mortgage system.

A Powerful Business Idea
After two years of researching the industry, Skyler and John initially offered their customers debt reduction programs such as a bi-weekly payment plan to help minimize their debt, but soon realized their customers' needed something more to meet their financial needs. In the summer of 2002, they discovered a method used in several countries to pay down mortgages in record time which required no day-to-day financial impact, while paying off debt and saving hundreds of thousands of dollars in interest.

Further research on these financial elements motivated Skyler and John to develop a top-notch IT division and contract with a mathematical engineer from GE Aeronautics to begin creating the mathematical algorithms (math engines) and system programming that would become the very heart of the Money Merge Account.

Several m ore years and millions of dollars were invested in research and development before a one year market test release rolled out in Denver, Colorado. To the pride and astonishment of the founders, homeowners from the initial 400 client test market who signed up for the Money Merge Account system were achieving results even better than predicted. Homeowners with a traditional 30-year mortgage were on track to become mortgage free after only 8 to 11 years, all while paying off other debt in the process with a rate of 20% better savings and payoff time than was initially predicted.

Delivering Financial Freedom to American Homeowners
To facilitate the growing marketing needs of the Money Merge Account system, Skyler and John brought on colleagues Jonathan Bonnette, Matt Lovelady, Don Jorgensen and Steve Smith, and created United First Financial. These colleagues brought with them many years of expertise in the mortgage and financial arena.

The program has become so successful that the team is busy rolling out educational seminars across the country and helping thousands of American homeowners get on the fast track to financial freedom without a mortgage. The demand for the Money Merge Account system is exploding, and the company continues to bring on board the smartest, most talented financial agents in the country to help homeowners reach their dreams.