See the difference between the Money Merge Mortgage Checking Account Programs
None of these product are the best choice for all people. We try to highlight the key differences so that you can make the right choice for your situation.

  Money Merge Account (MMA)
by United First Financial		 Home Ownership Accelerator
by CMG Financial Services
Type Expensive Software + HELOC Actual Loan
What type of company is this? Alert:
United First Financial is a Multi-level Marketing Company--similar to Amway or NuSkin. If you enjoy multi-level marketing, this may be the best choice for you.

The Australian Mortgage concept requires a Home Equity Line of Credit (HELOC).

United First Financial is NOT a Mortgage Lender, so they cannot help you get a HELOC. You are left to try and get the right kind of HELOC on your own based on some paper they show you.

 CMG Financial Services is a Mortgage Banker who offers a variety of excellent traditional mortgage products, along with being the #1 provider of the Australian Mortgage Concept in the United States of America

The Australian Mortgage concept requires a Home Equity Line of Credit (HELOC).

This no-brainer HELOC is automatic. No shopping or comparing required to find an appropriate loan.

This IS an actual loan.
What happens to your current mortgage? With a Money Merge Account, your first mortgage stays intact. Because of this, the performance isn't as good as it should be, as only "some" of your money is working for you. Or they have you refinance your existing first into a high rate Home Equity Loan. While this is OK, it becomes a big problem when you get tired of trying to micro manage all your accounts and give up

United First Financial is NOT a Mortgage Lender, so they cannot help you with your first mortgage even if it would be advantageous to refinance it with a lower interest rate. 		With CMG, your current mortgage(s) are replaced with a first-position Home Equity Line of Credit (HELOC).
What are the risks? A Home Equity Line of Credit (HELOC) is required to apply the Australian Mortgage concept in the United States. While it gives you the power to pay off your home faster, it also gives you access to more money.

If you are the type who can't have a credit card because you always max it out, you could get further into debt with a Money Merge Account.

When you become overwhelmed trying to manage it and give up, you are left with the vast majority of your home on a high rate HELOC.

This is just expensive software.

 A Home Equity Line of Credit (HELOC) is required to apply the Australian Mortgage concept in the United States. While it gives you the power to pay off your home faster, it also gives you access to more money.

If you are the type who can't have a credit card because you always max it out, this is not the right loan for you.

This IS a real loan
Differences Hard to manage software version. Many people fail because of the time and effort involved.

High risk multi-level marketing company simply selling very expensive software.

No Real Guarantees, although they make a lot of claims, but what do you expect from multi-level marketing?

 Easy to use. Open a checking account and pay your bills as normal. #1 provider of this concept in the USA.

100% Love it or leave it Guarantee. If you don't like it, they will redo your loan for FREE.
Clear Winner   WINNER!

READ our WEEKLY Mortgage Market Newsletter from the Metzler Mortgage Group. MinnesotaMAMB member - mortgage, Minnesota, mortgages, unlimited, mortgages unlimited, great, rivers, mortgage, mortgages, loan, gmac, guarantee, hoa, money, merge, account, money merge account, MMA, ownership, accelerator, cmg, guaranteed closing costs, breakdown, refinance, great rivers, mortgage, commercial, mortgage, community, mhfa, first, time, buyer, homebuyer, Minneapolis, calculator, reverse mortgage, expert, Minnesota, mortgage rates in Minnesota, Minnesota mortgage companies, Wisconsin, mortgage Minnesota, Minnesota mortgage company, interest rates, countrywide, country, wide, help, foreclosure, foreclosure help, for sale by owner, home listing, homebuyer, loans, MN, home, equity, heloc, loans, low, lowest, lowest rate, bi-monthly, fha, va, banker, broker, UMB, upfront, up-front, mortgage, banker, broker, Joe, Metzler, interest rate, purchase, refinance, conventional, refi, down, payment, down payment, assistance, mls, realtor, mta, cofi, cosi, codi, no, documentation, subprime, va refinance, sub-prime, sub, prime, bankruptcy, credit, second, money, refinancing, calculator, agent, cash, mortgage, loan, buyers, FHA, VA, portfolio, arm, adjustable, low, cashout, cash, out, lenders, lender, bank, jumbo, bruised, St., st, Paul, wells, saint, paul, Minneapolis, parade, twin, cities, land, home, listing, house, the lakes, county, Blaine, Ramsey, Dakota, Rice, Washington, mutual, Anoka, Hennepin, Fargo, Scott, apple valley, Eagan, Inver grove, heights, Rosemount, burnsville, farmington, duluth, rochester, st cloud, mankato, brainerd, alexandria, north, south, east, west, loan, loans, for, sale, bad, credit, Wisconsin, Florida, preapproval, zero down, buying a house, prequalification, preapproval, eloan, e-loan, good faith estimate, how much, can i afford, country, 8o, 20, stated income, debt consolidation, interest only, best rate, refinance, Wisconsin, Florida, best rates, jumbo, borrower, home loans, pre approved, interest only, lakeEqual Housing Lender - We provide this loan in for properties located in MN, WI, and FL only. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Great Rivers Mortgage, LLC and Mortgages Unlimited, Inc. As a Lenders One partner, we are part of the 9th Largest Retail Mortgage Originators in the country. We were recently ranked as 8th largest in Minnesota, by Minneapolis/St. Paul Business Journal. Any use or duplication of any materials is  strictly prohibited. “Home Ownership Accelerator” and the yellow flying house logo are registered trademarks of CMG and are used with owner’s permission.  Certain content represents copyrighted material; used with owner’s permission. Remaining images, text, and materials Copyright © 1998-2008. Metzler Enterprises, LLC. All Rights. Variable rate mortgage; payments, draws, and interest rate environment will affect total interest and loan payoff timing. Programs and terms subject to change without notice.