I am on the software (web-based) and it is the best thing financially that has ever happened to me and my husband. We now will be mortgage free in 9 years, 6 months. I signed up to be an agent so that I could tell other people how great this software is.
This program does not work in Texas because TX banking laws do not allow for the type of Home Equity Line of Credit (HELCO) that the Money Merge Account software needs to work. That’s my understanding anyhow.
I feel bad for your TX friend, but he should not have bought the software when he couldn’t get the type of HELOC needed in the first place. Everyone considering buying this software should get their HELOC in place first.