United First Financial and the Money Merge Account starts in the 1990's when Skyler Witman and John Washenko launched Accelerated Equity and Development, a mortgage brokerage company with a goal to deliver the most competitive rates on the market. Dedicated to the success of their customers and family the two worked round the clock to provide the highest level of service.

By Accelerated Equity's third year, 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 the growth, Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating. As loan officers, they could offer their clients little help. 

After researching the industry, Skyler and John initially offered their customers debt reduction plans such as a bi-weekly payment plan to help minimize their debt, but soon they realized their customers needed something more. In 2002, they discovered a method used in several other 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 Syler and John to develop a top-notch IT division and contract with a mathematical engineer from GE Aeronautics to begin creating the mathematic algorithims (math engines) and system programming that would become the heart of the MMA.

Several more years and millions of dollars later, a 1 year market test was done 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 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 with paying off other debt in the process with a rate of 20% better savings and payoff time than was initially expected!

United First Financial was created to facilitate the growing market needs of the Money Merge Account. The program has become so successful that the team is busy rolling out educational seminars across the country, helping thousands of Americans get on the fast track to financial freedom without a mortgage. The demand for the MMA is exploding and the company continues to bring on board the smartest, most talented financial agents in the country to help homeowners realize their dreams.