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  At last there is a way to pay off your mortgage in half the time or le... without ANY change in the monthly payment amount or number of monthly payments and with little or no change to your current lifestyle!
The Money Merge Account is a sophisticated payment timing system that is used by the banks themselves to reduce the interest accrued on any given debt account. When banks borrow money from the government or other institutional entities, they move their funds between accounts to reduce the balances at the time those accounts calculate the interest on the balance.

The Money Merge Account System was created by some brainiacs with heavy-duty experience in the banking industry and they devised an algorithm that essentially uses the same system the banks use to minimize YOUR interest charges.

This mortgage payment plan has dominated Europe and Australia over the past 15 years and is gaining traction here in American homes... That's a good thing. Many of the economic issues America is experiencing right now could have been avoided if we had better equity positions in our homes and in our savings accounts. Personal financial health and growth seems to be a "nice concept" for many people but unfortunately they really don't see themselves gaining that foothold anytime soon because every dollar they earn seems to be already spoken for. Which brings us to what I love most about the Money Merge Account System:

You don't have to come up with more money to jump ahead.
Your monthly budget stays the same!

And with this amazing tracking system software, you can see the results taking place. When you see the results you understand that you are in control of your financial future. You're in charge, you're making a difference and you're moving forward - fast!

Click on this link and you'll see the details of this system - the nuts and bolts - of how and why it works...

 Those "myfreecredit.com" sites don't use the same scoring models that lenders use, so what's the point? And they're anything but fr... Use our credit reporting agency and get the SAME COMPLETE REPORT lenders actually use - without a"hit" for the inquiry. We'll review it with you so you'll understand EXACTLY what the lenders look for and help you correct any errors in the report - fast! The best part of this is the Credit Optimizer. This powerful tools unlocks the potential of your credit score and gives you step-by-step instructions to raise your credit score right now! You'll be surprised how fast you can raise your score without the expense of paying off high-balance accounts. This is one you'll definitely want to check out. Watch the short video below for a quick tour...

  At last there is a way to pay off your mortgage in half the time or less... without ANY change in the monthly payment amount or number of monthly payments and with little or no change to your current lifestyle!
The Money Merge Account is a sophisticated payment timing system that is used by the banks themselves to reduce the interest accrued on any given debt account. When banks borrow money from the government or other institutional entities, they move their funds between accounts to reduce the balances at the time those accounts calculate the interest on the balance.

The Money Merge Account System was created by some brainiacs with heavy-duty experience in the banking industry and they devised an algorithm that essentially uses the same system the banks use to minimize YOUR interest charges.

This mortgage payment plan has dominated Europe and Australia over the past 15 years and is gaining traction here in American homes... That's a good thing. Many of the economic issues America is experiencing right now could have been avoided if we had better equity positions in our homes and in our savings accounts. Personal financial health and growth seems to be a "nice concept" for many people but unfortunately they really don't see themselves gaining that foothold anytime soon because every dollar they earn seems to be already spoken for. Which brings us to what I love most about the Money Merge Account System:

You don't have to come up with more money to jump ahead.
Your monthly budget stays the same!

And with this amazing tracking system software, you can see the results taking place. When you see the results you understand that you are in control of your financial future. You're in charge, you're making a difference and you're moving forward - fast!

Click on this link and you'll see the details of this system - the nuts and bolts - of how and why it works...

  When comparing what you think are apples to apples, how can you tell if one of them is actually an orange?

The truth is, unless you reexperienced in analyzing and comparing GFE's(Good Faith Estimates) it's almost impossible to tell exactly what will be the differences in your long and short-term financial picture. A scenario that at first glance looks more expensive than another may be more beneficial over a ten-year term. It's important to take into consideration our client's entire financial picture and goals both today and tomorrowbefore we offer a proposal. Too many in the mortgage profession shout "LOW RATES!" as their sole platform - without ever considering what the borrower's true needsare.

One way to help our clients actually determine just what those needs are, is by performing a TRUE COST ANALYSIS. Only about 10% of the nation's loan originators possess the very sophisticated software system that compares multiple possibilitiesand breaks down the financial pros and cons of eachin an easy-to-understand report.

Did someone else give you a quote and a GFE? Make us your "second set of eyes" and we'll explain what it really means to you. If their proposal is best for you, we'll tell you just that. And if it's not, we'll show you the math that explains why.

The following is an example of such a report. This represents the purchase of a $275,000 home with the comparison between: 1) A 30-yr fixed loan for 80% of the purchase combined with a "piggyback" 2nd (yes, they still exist) for 10% of the price and the buyer making a 10% cash downpayment.

2) A 5-yr ARM for 80% of the purchase and the buyer making a 20% cash downpayment.

3) An FHA, 30-yr fixed loan for 97% of the purchase price and making a 3% cash downpayment. This scenario includes Mortgage Insurance reserves and monthly MI payments.

Clearly these are very different scenarios but these were actual scenarios requested by a client. We then were able to show what the total equity gains might be in 5, 10, 20 and 30 years for each scenario, assuming that the money that was saved with the smaller downpayments was deposited into a conservative, interest-bearing account and the differential between the highest monthly payment and the two lower payments were also invested into that account each month.

We're happy to do one for you, free of charge or obligation.