^{Altruistic Beginning and a Desire to Effect a Positive Change}

^{United First Financial® provides access}

^{to the educational tool to debt freedom}

United First Financial

Making Dreams Come True

For Consumers and Homeowners

Utah boys lose their childhood homes to foreclosure and were set on a path to solve that dilemma for other American families. Now grown, these men, Skyler Witman and John Washenko, launched Accelerated Equity in 1997, a mortgage company dedicated to building a reputation based on competitive rates and the best terms in the market. As young entrepreneurs, the partners worked unending hours in the company's beginning stages in order to give clients a high level of service and low rates. Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating as a result of refinancing their mortgages every three to five years starting their thirty year amortized schedule of payments all over again.

Skyler and John went on a quest studying banking principles and programs worldwide. After further researching the most promising of these finance options, Skyler and John were motivated to develop a forward thinking 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 nerve center of the Money Merge Account^® system; a tool for accelerating mortgage repayment. After several years of further research and development they launched a BETA test of the software. In 1995, 400 families, in Denver, Colorado, participated in the test trial. After one year the results spoke volumes. The Money Merge Account software system was out performing itself in most cases and the clients were 15-20% ahead of the original schedule payoff term as indicated by their free personal analysis. Homeowners with a traditional 30-year mortgage were on track to become mortgage free after only 8-11 years, all while paying off other debt in the process. This success rate launched United First Financial in order to market the Money Merge Account software system.

The Dream

The company's original dream was to deliver financial freedom to American homeowners by teaching them how to access the educational tool to debt freedom. The first versions of the software made that dream come true. Now through the direct foresight of Skyler's and John's decision to bring in Jonathan Bonnette, Matt Lovelady, Don Jorgensen, and Steve Smith, experts in the mortgage and financial arena, they are now able to facilitate the ever changing and challenging marketing needs of the Money Merge Account system and individual client needs. Today, the Money Merge Account software system is available to put all consumers, not just homeowners,  throughout the United States and Canada, on the path to debt freedom.

Continuous Forward Motion

The demand for the Money Merge Account system is exploding, and UFirst^® continues their research and development in order to provide updated versions of the software that keeps pace with the changing needs of its current and future clients. In July of 2008, United First Financial founders, received the prestigious  Ernst & Young Entrepreneur Of The Year^®2008 Utah Region award for Financial Services, and is now in the running for the National recognition award. They continue to be featured in high profile trade magazines as a viable alternative for handling debt elimination. They recruit the smartest, most talented agents in the country to help consumers reach their financial goals and have grown from 5 agents to tens of thousands of agents in the first two years of marketing.

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