The history of the Money Merge Account® program begins nearly a decade ago when Skyler Witman and John Washenko launched Accelerated Equity. A new mortgage company dedicated to giving customers a high level of service and low rates.

By Accelerated Equity and Development's third year in business, they were one of the fastest growing mortgage companies in Utah, attracting both new business and returning customers.

But in the face of all of this growth, Skyler and John began to notice the overwhelming amount of debt their clients were accumulating. They knew there had to be a better way, and so began years of research that would eventually launch a powerful new tool, revolutionary in its impact on the American mortgage system.

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 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 math engines (mathematical algorithms) and programming that would become the very heart of the Money Merge Account program.
 
Several more years and millions of dollars were invested in research and development. The Money Merge Account program was born and the company rolled out a beta test for one year to see what modifications needed to be made to the program. To the pride and astonishment of the founders, the initial 400 client test market were achieving 20% better results than originally predicted. Clients with traditional 30-year mortgages were on track to become mortgage free in only 8 to 11 years, and were paying off their other debt as well.
 
Delivering Financial Freedom to American Homeowners - To facilitate the growing marketing needs of the Money Merge Account system, Skyler and John brought on Jonathan E. Bonnette, Matt Lovelady, Don Jorgensen and Steve Smith, and created United First Financial®. These colleagues brought 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 homeowners get on the fast track to financial freedom.  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. 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.