MORGAGE CUT - Recently Updated Pages

United First Financial

mortgagecut — Thu, 17 May 2007 20:02:27 CDT

Be Mortgage-Free In Less Than Half The Time

Ask About Our 100% Money Back Guarantee

Money Merge Account (MMA) Method vs. Conventional Repayment Method

Video - Click HERE to see how it works

Call 877.286.6994 for a FREE MMA Analysis

Get Started

mortgagecut — Thu, 17 May 2007 10:43:19 CDT

Call 877.286.6994 and set up an appointment with one of our agents to:

Recieve your FREE ANALYSIS
Get all your questions answered
Fill out an application
Activate your Money Merge Account
PAY OFF YOUR MORTGAGE

Contact

mortgagecut — Thu, 17 May 2007 10:26:36 CDT

Phone - 877.286.6994

Email - mortgage_cut@yahoo.com

About Us

mortgagecut — Thu, 17 May 2007 10:22:57 CDT

For Additional Information you can visit our Primary Website At www.u1stfinancial.net/mortgagecut

A Successful Start
The history of the Money Merge Account begins nearly a decade ago, when Skyler Witman and John Washenko launched Accelerated Equity, a mortgage company dedicated to building a reputation based on competitive rates and the best terms in the market. As young entrepreneurs, the partners worked around the clock in the company’s early years to give customers a high level of service and low rates.

By Accelerated Equity’s third year in business, it had become one of Utah’s fastest growing mortgage companies, attracting large numbers of both new business and returning customers. But in the face of all of this growth, Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating. As loan officers, they could offer clients little help to pull themselves out of the mire of financial debt.

And so began years of research that would eventually launch a powerful new tool, revolutionary in its impact on the American mortgage system.

A Powerful Business Idea
After two years of researching the industry, Skyler and John initially offered their customers debt reduction programs such as a bi-weekly payment plan to help minimize their debt, but soon realized their customers’ needed something more to meet their financial needs. In the summer of 2002, they discovered a method used in several countries to pay down mortgages in record time which required no day-to-day financial impact, while paying off debt and saving hundreds of thousands of dollars in interest.

Further research on these financial elements motivated Skyler and John to develop a top-notch IT division and contract with a mathematical engineer from GE Aeronautics to begin creating the mathematical algorithms (math engines) and system programming that would become the very heart of the Money Merge Account.

Several more years and millions of dollars were invested in research and development before a 1 year market test release rolled out in Denver, Colorado. To the pride and astonishment of the founders, homeowners from the initial 400 client test market who signed up for the Money Merge Account were achieving results even better than predicted. Homeowners with a traditional 30-year mortgage were on track to become mortgage free after only 8 to 11 years, all while paying off other debt in the process with a rate of 20% better savings and payoff time than was initially predicted.

Delivering Financial Freedom to American Homeowners
To facilitate the growing marketing needs of the Money Merge Account, Skyler and John brought on colleagues Jonathan Bonnette, Matt Lovelady, Don Jorgensen and Steve Smith, and created United First Financial. These colleagues brought with them 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 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.

Career

mortgagecut — Thu, 17 May 2007 10:22:07 CDT

Send an email with your contact information to mortgage_cut@yahoo.com and ask for a password. Then go to www.u1stfinancial.net/mortgagecut and go to "Register New Agent".

Please call with any questions - 877.286.6994

Free Analysis

mortgagecut — Thu, 17 May 2007 10:21:31 CDT

Go to www.u1stfinancial.net/mortgagecut and then go to "Request Free MMA Analysis" on the left. Fill out the form and click "Submit" at the bottom of the page. You'll recieve your analysis within 24 hours.

Other Situations

mortgagecut — Wed, 16 May 2007 02:13:50 CDT

Self-employed
We recognize that being self-employed means you need something extra when it comes to managing your money. That's why the Money Merge Account offers you...

The chance to save thousands on your loan
With the Money Merge Account, you are able to pay less interest on all your loans, thus slashing your monthly interest bill and putting an end to expensive loans and credit cards. In addition, your income works to reduce your loan balance on a day-to-day basis, so any money left unspent in your account continues to save you interest over the lifetime of the account. These savings run easily into thousands.

Greater flexibility
The Money Merge Account is much more than just an interest saving tool. You can manage your payments in line with your cashflow, all without penalties or charges. Pay more one month, pay less the next! It's entirely up to you.

More control
With online access and complete telephone access, you can manage your money how and when you want. You'll have one balance showing you exactly where you stand and how far ahead you are of schedule. You can break down your Money Merge Account any way you like, and you’ll be able to plan your short-term and long-term spending in great detail.

The perfect home for your tax money
The fact that you're using money in the Money Merge Account to reduce your balance and save interest, rather than earn it, means you don't pay tax on it. This makes the Money Merge Account the perfect place to put aside some money for the taxman. And when the time comes to pay the tax bill, you just write a check to cover it. This way, your money is working for you from the day it comes in to the day it goes out.

Young professionals
If you're just starting out in your professional career, chances are you'll need a flexible solution for your finances. You can benefit from the flexibility of the Money Merge Account in the early years of your professional life because you're not tied to high traditional interest options. This gives you the freedom to cater for the ups and downs in your spending. And as soon as your salary increases and you start to earn bonuses, you can use your surplus income to reduce your balances and save even more interest. The flexibility of the Money Merge Account means that you can also use your equity for the bigger purchases like a new car or a dream holiday, rather than having to take out more expensive loans.

Young couple - first time buyers
The Money Merge Account is designed to meet your financial requirements as you go through life. It can help fund a wedding, a new car, or a holiday, as well as allow you the flexibility to deal with the financial impact of having a child. You can use the Money Merge Account to overpay on your mortgage, thus building up equity in your home, which will mean a higher deposit when moving to a bigger house in the future. If you can overpay your mortgage from the outset, you will save the maximum amount of interest in the long-term. You can spend up to 100% of your increased equity to furnish your new home and cover other expenses. And if your home needs improving, the Money Merge Account can be used to fund home improvements further down the line.

Couple moving up the property ladder amidst other life expenditures
The Money Merge Account can help you accelerate your rise up the property ladder. It allows you to use your income and savings to reduce your balance and build up equity in your home, so you can move to a bigger property sooner. And if you move, the Money Merge Account can move with you. If you have children, the Money Merge Account also offers you greater flexibility in dealing with the extra financial strain of raising them. It can be used to put money aside for school/university fees - so you get the benefit of this money working to reduce your balances and save you interest. And you can use the accelerated equity in the property to put your children through school even while covering any other expenses. And you retain the same flexibility in terms of repayment.

Commission-based income
The Money Merge Account gives you the flexibility to manage your finances in line with your cashflow. So when you have more income, you can deposit more and save more interest. When you have less income, you can deposit less. You're no longer tied to the usual 'receiving income/spending income' monthly cycle; instead, you have the flexibility to cope with receiving a low annual income and high sporadic commission amounts, even having that money available anytime you need it. And it saves you interest all the while!

Irregular income
The Money Merge Account works particularly well if you're paid a small salary but receive large sums in the form of bonuses or dividends during or at the end of the year. You can manage the Money Merge Account in line with your cashflow. You've also got the flexibility to deposit more when money's available and less when money's tight. Any lump sums can also work harder in the Money Merge Account, reducing your balance and saving you interest.

Older couple - children left home
The Money Merge Account allows you to use any surplus income you have to accelerate the repayment of your mortgage. If you have any investments - e.g. endowments, etc. - these can also be put into the account when they mature to reduce your mortgage balance and save you even more interest. You can also use the equity in your house to fund that holiday or luxury you've always promised yourself. Your money is there until you need it, but it reduces your loan balance and saves you interest in the meantime.

Back to Benefits

Funding home improvements

mortgagecut — Wed, 16 May 2007 02:13:17 CDT

If you're looking to build that extension, then using the equity in your home could be the most cost-efficient way of funding it. Because the Money Merge Account is secured to your home you can usually spend up to 100% of the property value and pay below market interest, so no more expensive personal loans or finance agreements.

Back to Benefits

Making the most of an inheritance, windfall, large bonus, or maturing investments

mortgagecut — Wed, 16 May 2007 02:12:51 CDT

The Money Merge Account offers a better home for lump sums than any conventional deposit account. By depositing them straight into the Money Merge Account, you reduce your loan balance, so you pay less interest. The interest you save by doing this is more than the interest you could earn in any other savings account. And because it's interest saved rather than interest earned, there's no tax to pay.

And the great thing is that the Money Merge Account comes with checks and a debit card as well, so you've got instant access to this money. You'll have a checkbook, debit card, telephone, and internet access all at your fingertips. There are no notice periods; you can simply draw on your money whenever you like and for whatever you want.

Back to Benefits

Short-term spending e.g. holiday, Christmas

mortgagecut — Wed, 16 May 2007 02:12:29 CDT

Most of us are used to getting out the credit cards when it comes to the more expensive periods of the year, such as booking the summer holiday or buying presents at Christmas. The Money Merge Account can take the stress out of these things, allowing you to reduce your repayment commitments for a time and make them up at a later date. Instead of hiking up your credit card balance, you can simply spend a little more of your monthly income, leave a little less in the Money Merge Account, and then just get back on track as you go.

This means you're no longer tied to the usual 'receiving income/spending income' monthly cycle - you have the flexibility to cope with the peak spending periods of the year without the interest and expense that normally comes with them.

Back to Benefits

Planning for maternity

mortgagecut — Wed, 16 May 2007 02:12:03 CDT

The flexibility of the Money Merge Account can be used to cushion the financial impact of a newborn baby. If one of you wants to take time off work, then there are a number of options available, from reducing your overall payment commitments for a time to providing the additional money needed for those unforeseen expenses.

If you need to run a tighter budget, we can help you. Our online service will let you plan your entire spending for the month and work out what you'll have left over, even down to the penny if you want. You'll also be able to analyze where your money's going, so you can see at a glance where you can cut your spending. We can also help you set longer term plans for repaying your loans, taking into consideration the peaks and troughs of your income and expenditure over the coming years.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Back to Benefits

Coping with short-term ill health, unemployment, or job transferring

mortgagecut — Wed, 16 May 2007 02:11:38 CDT

The flexibility of the Money Merge Account works both ways. It's not just a vehicle to quickly repay your mortgage. When money's tight (e.g. if one income disappears temporarily as a result of illness or loss in job), then the Money Merge Account enables you to use your increased equity build up to pay for the daily or monthly costs you incur until you are able to get back on your feet financially. This way, you know you’ll get back on track, come what may. We've got a dedicated team of account managers on hand to talk through your options. You'll also be able to use our online service to run a tight budget. It will let you analyze where your money's going, plan your entire spending for the month, and work out what you'll have left over, as well as set longer term plans for repaying your loans.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Back to Benefits

Planning for school fees or university

mortgagecut — Wed, 16 May 2007 02:11:17 CDT

If you have young children, chances are you'll need to either save or borrow enough money to get the children through school and university. The Money Merge Account can help in both instances.

Building a lump sum
If you're looking to put money aside each month for the future, then one of the best places for this is the Money Merge Account. In this way, the money can reduce your interest charges on a day-to-day basis, and you can simply draw on it when the time comes.

With the Money Merge Account, you'll be able to set up a savings plan just for this. In fact, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate
Alternately, if you need to borrow the money, the Money Merge Account allows you to release the equity in your house at a low mortgage-style interest rate and with the least amount of hassle.

You can even set up a separate borrowing plan just for this purpose! The great thing about the Money Merge Account is that it gives you the flexibility to do what you like with your money. In many ways, you don't really have to think about whether you are borrowing or saving, because when you've got money, it can go in the Money Merge Account to reduce your balance. And when you need money, you can simply draw it out of the account.

Back to Benefits

Buying a second property

mortgagecut — Wed, 16 May 2007 02:10:54 CDT

Because the Money Merge Account is secured against your home, you can usually spend up to 100% of the property value. So if you'd like to use the equity in your home to buy a second property, it's ideal! You can borrow at a very low mortgage-style interest rate while retaining the flexibility to pay back how and when you like. Many lenders will charge a higher interest rate simply because the money is for a second property, but with the Money Merge Account, you can pay a much lower amount of interest than traditional investment style interest rates.

And you can set up a separate payment plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want - and check your overall plan whenever you like.

Back to Benefits

Funding a major purchase

mortgagecut — Wed, 16 May 2007 02:10:23 CDT

The Money Merge Account can help in a number of ways - depending on whether you want to build a lump sum of equity to fund a purchase, borrow the money, or do a little of both.

Building a lump sum
Many mortgage programs on the market give you the chance to overpay your mortgage each month. But if you're looking to save for a major purchase (e.g. a holiday home, a car or a boat) at the same time, you haven't got the flexibility to do so. The Money Merge Account lets you have your cake and eat it too. It allows you to put money aside each month for the purchase and use this money to reduce your balance while you build up the lump sum.

With the Money Merge Account, you'll be able to set up a savings plan just for this. That way, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate
Traditionally, if you haven't got enough saved for a major purchase like a new car, your only option is to borrow the money. This usually means taking out an auto loan or using a credit card, all at much higher interest rates than you pay on your mortgage. The Money Merge Account is a much cheaper way to pay, because everything is paid back at a very low mortgage-style interest rate.

And you can set up a separate loan plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want, and you can check your overall plan whenever you like.

Back to Benefits

Reducing monthly payments/consolidating other debts

mortgagecut — Wed, 16 May 2007 02:09:51 CDT

The Money Merge Account is much more than just an accelerated mortgage payment option. Other debts (e.g. credit card balances, personal loans, overdrafts etc.) can be transferred to the Money Merge Account - which means you benefit from paying less interest on all your debts instead of expensive, unsecured rates. The reduction on your minimum monthly payments can be significant.

And if you're concerned about rolling all your debts into one big balance, don't be. You'll be able to break your debts into individual repayment plans. So you can have a plan for your mortgage, a plan for your credit card balance, and a plan for your loan. We'll help you budget to pay off what you want when you want, and you'll be able to see each element of your debt falling month-by-month in line with your plans.

Back to Benefits

Repaying your mortgage early

mortgagecut — Wed, 16 May 2007 02:09:28 CDT

When repaying a mortgage, it's not the rate you pay that's most important. What matters is the total amount of interest you pay over the term of your loan. With the Money Merge Account, you use your income and savings to reduce your loan balance and minimize your interest payments. This means more of your money goes towards your principal balance each month, helping you repay your mortgage years earlier and save thousands of dollars in interest.

Back to Benefits

Benefits

mortgagecut — Wed, 16 May 2007 02:08:53 CDT

Frequently Asked Questions

mortgagecut — Wed, 16 May 2007 02:03:41 CDT

Q. What is the Money Merge Account?
A. The Money Merge Account is an online account system that incorporates your checking and savings accounts with an advanced line of credit, or ALOC. Through this program, homeowners have the ability to pay off their 30-year mortgage in as little as one-third of the time, without refinancing their existing mortgage loan or increasing minimum monthly payments.
Q. Why can't I make extra principal payments to my primary mortgage and achieve the same results?
A. Simply put, the mathematics behind MMA present a sophisticated process that has a substantial financial benefit over increasing your monthly payments. The algorithms in the proprietary MMA system are systematically programmed to create the highest interest savings possible in the least amount of time. The math engines programmed in the MMA system calculate the specific timing and dollar amounts required to produce the most optimum savings possible.
Q. Does it make sense to move my savings accounts over to MMA?
A. Yes, in moving your savings into your MMA account, you decrease even further the amount of time left to pay off your mortgage. Your customized online site has the ability to build a variety of financial models to help you understand the effect that the money in your savings account will have in decreasing the amount of time it will take you to pay off your mortgage.
Q. Do I make monthly payments on my line of credit?
A. Not in the traditional sense. You will use your line of credit similar to your primary checking account. Your paychecks will be applied to your line of credit and your monthly bills will be paid from the account. By transferring your income each pay period the line of credit lender will credit the monthly payment requirement and lower your daily average balance, thus reducing interest charges.
Q. If I am not increasing the monthly payments on my mortgage, how can this program be possible?
A. The MMA 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 MMA system determines the specific timing and amounts for each transfer required to produce the quickest pay off time and highest interest savings possible. There are also multiple financial options programmed into the MMA software, which assist homeowners in paying down their mortgage as soon as possible.
Q. Why am I applying for a line of credit, and how is it associated with my savings and checking accounts?
A. The MMA Program uses the equity line of credit solely as a vehicle or a tool to drive the program. The MMA system is coordinated through systems created by United First Financial and works completely independent of the lender. The equity line of credit must have the capacity to operate similar to a primary checking account and be set up with an open-end interest calculation vs. a closed-end interest calculation. Combined with the MMA 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.
Q. Do I have to change banks?
A. It is not necessary to change banks. After signing up for the program, we have a customer support team that will assist you in orchestrating your banking needs with your MMA program.
Q. Do you make payments for me?
A. No. We do not have any access to your accounts. You will be initiating all transactions by following the prompting of your online MMA account. You will be in complete control.
Q. Do you have access to or control of my money?
A. No. You are the only person with access to your accounts.
Q. Do I pay interest on the equity line of credit?
A. There is interest charged on the line of credit. But because your income is sent to your line of credit on different intervals, the bank adjusts the amount of interest they can charge you by offsetting the average loan balance. As a result the interest charged is much less.
Q. Why don't the banks offer this program?
A. The MMA utilizes banking principles that are accepted by most banks across the nation. The MMA program simply provides you with the necessary tools to use your money to reduce interest, instead of the bank using your money to earn interest. This is the primary reason the banks do not offer the MMA program.
Q. Can I contact any of your client references to hear about their experiences with MMA?
A. Due to privacy regulations, we are unable to provide personal contact information for references. However, you can view actual clients using the MMA program on our MMA informational DVD and you are welcome to research our company through the Better Business Bureau web site at www.bbb.org
Q. What happens if I sell my home?
A. The MMA program follows your mortgage until it is paid off. The line of credit the MMA 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 MMA 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.
Q. Is there any risk involved?
A. From a financial standpoint, there is very little risk. No stock market crash or extreme interest fluctuation can completely eradicate the expected outcome. Only homeowners that qualify to significantly reduce their mortgage payoff time and interest will be activated on the MMA program.
Q. Can anybody qualify for the MMA?
A. It is important to go through a quick 5-minute questionnaire when applying for the MMA program. Fortunately, there are several avenues that can be taken to gain approval, but the MMA program is not for everybody.
Q. Do I have to refinance my existing mortgage loan to make this work?
A. No. It is not necessary to refinance your existing mortgage loan. You may choose to refinance your mortgage for additional interest savings but refinancing your existing mortgage loan is not required for the MMA to work. If you do not currently have a specific line of credit one will need to be opened.
Q. Will MMA work with an interest only/Neg-Am payment on my primary mortgage?
A. Yes. In fact, MMA helps you to take control of the outcome of these types of loans to benefit you substantially.
Q. Can I own multiple investment properties at one time and utilize just one MMA program, or do I need one for each property?
A. The MMA is most effective when used to payoff one property at a time. As each property is paid off, your overall discretionary income can increase; creating an accelerated payoff period for each subsequent property.

Money Merge Account - MMA

mortgagecut — Wed, 16 May 2007 02:02:07 CDT

The Money Merge Account consists of three major components:

1. Your Existing Primary mortgage

The existing mortgage on your home is the foundation for the Money Merge Account.

2. An Advanced Line of Credit (ALOC)

The MMA 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 MMA's 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. MMA software

The online MMA 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 MMA system are systematically programmed to create the highest interest savings possible in the least amount of time.

MORGAGE CUT - Recently Updated Pages

United First Financial

Be Mortgage-Free In Less Than Half The Time

**Ask About Our 100% Money Back Guarantee**

Money Merge Account (MMA) Method vs. Conventional Repayment Method

Video - Click HERE to see how it works

Call 877.286.6994 for a FREE MMA Analysis

Get Started

Call 877.286.6994 and set up an appointment with one of our agents to:

Recieve your FREE ANALYSIS

Get all your questions answered

Fill out an application

Activate your Money Merge Account

PAY OFF YOUR MORTGAGE

Contact

Phone - 877.286.6994

Email - mortgage_cut@yahoo.com

About Us

Career

Send an email with your contact information to mortgage_cut@yahoo.com and ask for a password. Then go to www.u1stfinancial.net/mortgagecut and go to "Register New Agent".Please call with any questions - 877.286.6994

Free Analysis

Go to www.u1stfinancial.net/mortgagecut and then go to "Request Free MMA Analysis" on the left. Fill out the form and click "Submit" at the bottom of the page. You'll recieve your analysis within 24 hours.

Other Situations

Funding home improvements

Making the most of an inheritance, windfall, large bonus, or maturing investments

Short-term spending e.g. holiday, Christmas

Planning for maternity

Coping with short-term ill health, unemployment, or job transferring

Planning for school fees or university

Buying a second property

Funding a major purchase

Reducing monthly payments/consolidating other debts

Repaying your mortgage early

Benefits

Frequently Asked Questions

Money Merge Account - MMA

The Money Merge Account consists of three major components:

1. Your Existing Primary mortgage

The existing mortgage on your home is the foundation for the Money Merge Account.

2. An Advanced Line of Credit (ALOC)

3. MMA software

Ask About Our 100% Money Back Guarantee

Send an email with your contact information to mortgage_cut@yahoo.com and ask for a password. Then go to www.u1stfinancial.net/mortgagecut and go to "Register New Agent".

Please call with any questions - 877.286.6994