Who Are We?
United First Financial® was originally created to help market the pioneering Money Merge Account™ system. The system utilizes existing banking tools, one-on-one coaching and a Web-based software tool to help consumers pay off their mortgages and consumer debt in as little as ½ to 1/3 the time.
A little history…
Over a decade ago, Accelerated Equity was launched by Skyler Witman and John Washenko. A mortgage brokerage company with a goal of delivering the best service, they were devoted to building a reputation for competitive rates and the best terms on the market.
In their third year of business, Accelerated Equity had become one of Utah’s fastest growing mortgage companies. It became a magnet for new business and continuous loyal clients. However, it didn’t take long for Skyler and John to become aware of the crushing mountain of debt their clients were accruing.
Unfortunately, they could offer little help to pull them out of debt. They were loan officers, so they did what they could. Skyler and John offered debt reduction programs such as bi-weekly payment plans, but soon realized it wasn’t enough.
Research …
Years of research began after their discovery of a method to pay down mortgages in record time. In the process of paying off debt, they found people were savings hundreds of thousands of dollars in interest.
More research motivated the young entrepreneurs and they cultivated a top-notch IT division and contracted with a mathematical engineer from GE Aeronautics to begin creating the mathematical algorithms, or math engines, and system programming. This led to the inevitable launch of a powerful new tool, ground breaking in its impact on the American mortgage system, and become the very heart of the Money Merge Account™ system.
More research…
After this revolutionary break through, the founders spent a few more years and invested millions of dollars in research and development. Then the red carpet roll out in Denver, Colorado took place 1 year later. The founders were delighted when the initial 400 client test market signed up for the Money Merge Account system were attaining even better results than forecasted. Homeowners with a traditional 30-year mortgage were on track to become mortgage free after only 8 to 11 years.

The Delivery of Financial Independence Begins…
Many colleagues were brought in to impede the growing marketing needs of the Money Merge Account system. With the help of Jonathan E. Bonnette, Matt Lovelady, Don Jorgensen and Steve Smith, not only was United First Financial created, but they brought many years of expertise in the mortgage and financial arena.
The program has become so successful that the team is busy rolling out educational seminars across the country and helping thousands of American homeowners get on the fast track to financial freedom without a mortgage. The demand for the Money Merge Account system is exploding, and the company continues to bring on board the smartest, most talented financial agents in the country to help homeowners reach their dreams.



