With my wedding a mere two weeks away, life is crazier than ever.  Never mind the countless hours spent planning the actual event, what I am most stressed about is trying to entwine two separate lives into one existence; habituating to living so intimately with another individual, seamlessly integrating our finances, and our housing situation.

This past year, my fiancé and I purchased our very first home, something we are super excited about.  It may not be the biggest or fanciest house on the block, but it is all mine, and I have succumbed to a new addiction – home décor!  

But along with our beautiful new home came the unavoidable mortgage.  Not that I am complaining; a mortgage is a necessity of life for most Americans.  But it would be nice to have the home paid off before thirty years, especially considering living debt-free is so important to both of us.

So we have decided to try the Money Merge Account program, an early mortgage payoff program gaining popularity throughout the United States.

The Money Merge Account permits homeowners to diminish the principal balance of their mortgage, thus reducing the interest that accumulates on the loan.    An advanced home equity line of credit is used to drive the program.  Since, we purchased the home during the first phase of a housing development project and have been able to accrue equity during the subsequent phases, we were approved for the loan.

Apparently, with use of the Money Merge Account program, you can pay off a mortgage in as little as 8-12 years.  That’s definitely what we are hoping for!  For more information about the Money Merge Account program, visit the official United First Financial website.