Fosters -

I can see from your post that you've done some research on the Money Merge Account. I can also see that you've picked up some unfortunate misconceptions. I seriously believe that if you did a little more research, you'd see that MMAs are not only nothing close to a scam, they're nothing short of a revolution in the U.S. mortgage banking system. I just ran an analysis for a client two days ago that has them debt-free (including the HELOC) in less than five years, saving them over $230,000 in interest charges (even taking the HELOC interest into account) and allowing them to choose (for the more than 22 years they won't have a mortgage that they would've otherwise) where to put the $3800/mo they're now putting into payments on debt! I'd say that's worth way more than a one-time fee of $3500 that they won't even pay out-of-pocket. As for doing it yourself, I would be profoundly impressed if any one of us could achieve results anything close to what I just mentioned by simply using a spreadsheet program. Lastly, the rate on the HELOC actually barely matters at all. Since I am apparently not allowed to post anything here, please PM me soon so you can find out what MMAs are really about.