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United First Financial is an innovative company that helps American homeowners reach their financial goals. Our interest reduction solution puts the deed of your home in your hands in a fraction of the regular time by utilizing banking strategies which have been around for decades.
Introducing the "Money Merge Account™ system" a powerful tool to help you fulfill your dream of home ownership and save money for your future.
The average"Money Merge Account™ system" customer will pay their mortgage off 100% "in as little as 1/2 to 1/3 the time"—with little change to their day-to-day spending habits and without increasing their monthly mortgage payments.
A mortgage-free future is closer than you imagine. Learn how United First Financial can work for you.
Most homeowners realize they will pay about twice the purchase price of their home on a traditional mortgage.
Introducing a way to break that cycle of financial drain—the "Money Merge Account™ system". Developed by a team of financial experts with years of experience in the mortgage industry, the "Money Merge Account™ system" rapidly reduces the principal of your mortgage, practically eliminating the interest from accruing on your loan. Your mortgage can now be paid off "in as little as 1/2 to 1/3 the time", with no change to your lifestyle or refinancing of your existing mortgage.
The "Money Merge Account™ system" is not a bi-weekly payment or debt roll-down system. It’s an entirely new approach that gives homeowners flexibility with their money and complete financial freedom. 
A side-by-side comparison of a traditional mortgage repayment shows the savings potential using the "Money Merge Account™ system". A 30-year, $136,000 mortgage at 5.25%, when paid through conventional monthly payments, will result in a 30-year total repayment of $270,784 – nearly twice the cost of the home. The "Money Merge Account™ system" program can repay the same mortgage in 11.3 years with a total repayment of $181,217. An incredible savings of $89,566 is realized on the same income, with the same mortgage, at the same interest rate, and without any changes to your standard of living. "Money Merge Account™ system" is simply one of the fastest ways to repay a mortgage and be on your way to financial freedom.
The "Money Merge Account™ system"consists of three major components:
1. Your Existing Primary mortgage
The existing mortgage on your home is the foundation for the "Money Merge Account™ system".
2. An Advanced Line of Credit (ALOC) AKA:HELOC
The "Money Merge Account™ system" Program uses an advanced equity line of credit as a vehicle or a tool to drive the program. The equity line of credit must have the capacity to operate similarly to a primary checking account and be set up with an open-end interest calculation (rather than a closed-end interest calculation). Combined with the "Money Merge Account™ system" web-based system, this creates a formula in which the money in your line of credit account generates an interest cancellation on your primary mortgage.
3. "Money Merge Account™ system" software
The online "Money Merge Account™ system" system makes a connection between your bank account, the advanced line of credit, and your primary mortgage. Each time you deposit income into your account, it registers as a decrease to your mortgage balance. By decreasing your mortgage balance, you now lower the balance on which interest accrues. By decreasing the balance on which interest accrues, you increase the portion of your monthly payment which is credited toward your principal pay down. The algorithms in the proprietary "Money Merge Account™ system" system are systematically programmed to create the highest interest savings possible in the least amount of time.
Five Easy Steps to Becoming Mortgage Free:
1. Fill out the "Money Merge Account™ system" application
2. Activate your "Money Merge Account™ system"
3. Deposit Your Paycheck Deposit your paycheck into your current checking and/or savings account. As soon as the funds clear, the amount you designate is transferred from your checking and/or savings account into your "Money Merge Account™ system" managed line of credit. Because the line of credit is connected to your home, the money transferred from your checking and/or savings accounts decreases your mortgage balance, thus reducing the balance in which interest builds.
4. Pay Your Bills Throughout the month, you pay your bills using your "Money Merge Account™ system"managed line of credit. With this account, money is immediately available through checks, debit cards, and ATMs. The amount left after bills have been paid remains against the balance of your mortgage until you need it, keeping your mortgage balance as low as possible, further reducing mortgage interest charges.
5. Follow the system Follow the promptings of the online "Money Merge Account™ system" system to maximize your savings and pay your mortgage off as quickly as possible.
| Q. Can't I do this myself without the software? I get asked this question from time to time usually from people who haven't done enough research about our product.
If you were programmed and conditioned to calculate the exact amount of money to be transferred to your primary mortgage each and every month you might be able to do this yourself.
It is important to note that the "Money Merge Account™ system" is set up so that the maximum amount of funds are sent to principal, while the least amount is paid in interest. The Money Merge Account is a finely tuned system that is maximizing the power of your money.
There is much more involved here than just taking your discretionary income and applying it to your first mortgage each month. Using the "Money Merge Account™ system" will accelerate the payoff much faster than a monthly transfer to principal.
Underestimating the power of this program is easy to do and could cost you tens of thousands of dollars in interest.
Also included in this system is a real time "Financial Dashboard" that continually gives you feedback every time you make an entry into the software. This allows you to make better decisions when it comes to capital expenditures and planning for a better future.
The "Money Merge Account™ system" does in fact help people change the way they look at becoming debt free in a positive and rewarding way. The beauty of the "Money Merge Account™ system" is that it can benefit different people in different ways.
Different needs with which the Money Merge Account can help you:
Repaying your mortgage early
Reducing monthly payments/consolidating other debts
Funding a major purchase (new car, holiday home, boat etc.)
Buying a second property
Planning for school fees or university
Coping with short-term ill health,
unemployment, redundancy or moving jobs
Planning for maternity
Short-term spending e.g. holiday, Christmas
Making the most of an inheritance, windfall, large bonus, or maturing investments
Funding home improvements
| Q. Why can't I make extra principal payments to my primary mortgage and achieve the same results?
A. Simply put, the mathematics behind "Money Merge Account™ system" present a sophisticated process that has a substantial financial benefit over increasing your monthly payments.
The algorithms in the proprietary "Money Merge Account™ system"are systematically programmed to create the highest interest savings possible in the least amount of time.
The math engines programmed in the Mone"Money Merge Account™ system"calculate the specific timing and dollar amounts required to produce the most optimum savings on each individual mortgage and overall financial situation.
Q: If I am not increasing the monthly payments on my mortgage, how can this program be possible? A: "Money Merge Account™ system" makes a connection between your bank account, the advanced line of credit, and your primary mortgage.
Each time you transfer income into your account, it registers as a decrease to your mortgage balance. By decreasing your mortgage balance, you now lower the balance in which interest accrues. By decreasing the balance in which interest accrues, you increase the portion of your monthly payment which is credited toward your principal pay down.
The "Money Merge Account™ system" determines the specific timing and amounts for each transfer required to produce the quickest payoff time and highest interest savings possible.
There are also multiple financial options programmed into the "Money Merge Account™ system" software which assist homeowners in paying down their mortgage as soon as possible.
Q. What happens if I sell my home?
A. The "Money Merge Account™ system" follows your mortgage until it is paid off.
The line of credit the "Money Merge Account™ system" uses will have no effect on your ability to sell your home.
Once you have sold your home and purchased another residence, we can put the "Money Merge Account™ system" back into action on the new residence.
Also, all the equity built in the account, as well as the equity built with market appreciation, will make a great down payment on the next purchase. |
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