OpTree

OpTree asked the founders why people should learn about United First Financial™, and the opportunities. “Unfortunately, there is a general lack of education in the market when it comes to understanding interest rates and interest payments,” John Washenko said. “People just do not understand why or how you use a 10% loan to pay down a 6% loan. People focus on the interest rate rather than the interest paid. Often, people get so caught up with low interest rates that they ignore the amount of time the balance will generate interest.”

A large balance, such as a mortgage, generating interest over years and decades, leads to much higher charges overall than monthly interest charges on a line of credit, even if that credit line has a higher interest rate. Matt Lovelady explained further: “I would rather pay $1,000 in interest on a 10% loan, than pay $2,000 in interest on a 6% loan; literally I can show people how to save money with a higher interest rate every day of the month.”

The founders emphasized that this lack of understanding keeps people tied to mortgage programs that don’t work well. “People need to invest and protect themselves. When using the Money Merge Account™ program, they will have many more financial options to help them invest in their future,” Skyler Witman added.

“Current shifts in the market have been very positive for us. Millions of homeowners have been using their homes as a cash account over the last several years which was inherently dangerous. This shift in the market has brought them back to the current situation; they realize they cannot do this. When home values drop, they must stop deferring their financial issues and meet their problems head on,” Matt commented. “People are realizing that they must get back to sound financial principles and are now at least open to them and realizing that paying off their home and debts allows them the freedom to invest and use their home as an asset down the road.”

As consumers investigate the Money Merge Account program, the math tends to convince them. One mortgage broker said that he purchased the program to expose UFirst™ as a fraudulent company. However, after a few months of using the Money Merge Account program and trying to find the faults, he then realized that the program was working and doing what it was intended to do. Not only did he change his opinion and report that online, he has become an agent with the company, and has had tremendous success as a result.

We were especially interested in how some of the sub-prime lending was affecting UFirst and homeowners. “The sub-prime market affects any homeowner, lender or financial service provider that touches the home markets. We are lucky and have limited exposure, but the more the mortgage market tightens up, the harder it is for homeowners to obtain a HELOC or Home Equity Line of Credit,” Skyler explained. “Within the next 3 months, clients will no longer need to have a HELOC and it is expected that they will also be able to use a credit card, which will help us further explode into the market.”
John added, “We have fought a lot of battles over the last several years with the skeptics and critics out there. Any time you present a market solution which eats into the big guys’ market share, you are a threat. We are now noticing a trend of acceptance in our business model and people appreciate that what we are selling is really an alternative which can be very valuable to them. Paying down your home and debt and reducing the amount of interest you are paying will lead to all that money going to work for you, building lasting wealth and security. That is real, not just something that you feel good about after a charismatic person does a presentation. The math behind it brings it to reality.”

“The vast majority of people who are skeptics are so because they have been trained to only believe one business philosophy when it comes to mortgages and interest rates,” Matt explained. “We have a proven and successful model that helps educate people on how their spending decisions will affect them not just today, but 5, 10, 20 years down the road. Emotional spending is foolish spending. Wise spending today leads to larger and freer spending down the road.”

With nearly unlimited potential for growth and a solid base of satisfied clients, United First Financial is changing the world, one homeowner at a time. Visit www.unitedfirstfinancial.com for further information.

Popularity: 2% [?]

We continue our explanation of United First Financial’s Money Merge Account™ program with the fourth step in the process to becoming mortgage free.

Fourth, clients need to pay their bills using their 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 their line of credit until they need it, keeping their line of credit balance as low as possible. Not only do clients decrease the interest paid on most of their line of credit, but the extra money they sent to their mortgage further reduces their mortgage interest charges.

Fifth, and finally, clients must continue to follow the prompts of the online Money Merge Account program. Over the months, their discretionary income will pay down the balance on the line of credit, freeing the clients to send more money to their mortgage. The promptings help clients maximize savings and pay their mortgage off as quickly as possible.

The Money Merge Account program gives you a comprehensive view of your finances, helping you get past the old habits and practices that kept you from achieving your financial goals. Unlike paper budgets, the system adapts for changes in your life, using the best math to show you the best options, all with just a point and click.**

We encourage homeowners to do their homework and get the facts in deciding if the Money Merge Account program is right for them.

OpTree discovered that there appear to be potential opportunities where the Money Merge Account program could benefit individuals in different ways. This is a short list of different possible scenarios.

Repaying Your Mortgage Early

Reducing Other Debts

Funding Major Purchases

New cars, holiday expenses, boats, etc.

Funding School Fees and Advanced Degrees

Covering Maternity or Short-Term Healthcare Expenses

Covering Unemployment or Other Unexpected Expenses

Buying a Second Home or Property

Funding Home Improvements

To understand the specifics of the Money Merge Account program you should consult a United First Financial independent agent. This program works for all income types, including, but not limited to those who are self-employed, young professionals, or first-time home buyers. Additionally, it can be a helpful budgeting tool for clients who have commission-based incomes or irregular income.

UFirst™ has found their niche. They are creating a brand around that niche and they are well positioned within a very specific and well-known market segment.

Tomorrow we will examine the future of UFirst and discuss concerns with founders and partners.

Popularity: 2% [?]

The Money Merge Account™ program consists of three major components; your existing primary mortgage, an advanced line of credit (ALOC), and the Money Merge Account software. ALOC is a special term used by United First Financial to mean a line of credit—such as a home equity line of credit—with key features required to optimize the program’s performance.

We may have found the first RUB…

We are not entirely sure, but believe many of the skeptics of this program are people who fall into some specific categories, including but not limited to individuals who didn’t have a mortgage, or couldn’t qualify for an advanced line of credit, or could not afford the software. We additionally agree that most people are nervous about their mortgage and may not have taken the time to understand this program especially in a time when the default rate is so high.

The existing mortgage on your home is the foundation for the Money Merge Account program, which uses a line of credit as a vehicle or a tool to drive the program. The 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 program’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.

The online Money Merge Account program simplifies the intricate connections between your bank account, the advanced line of credit, and your primary mortgage. The program helps you position your money to your maximum benefit, reducing the total amount of interest you will pay on your mortgage and other debts. The algorithms in the proprietary Money Merge Account program are systematically programmed to create the highest interest savings possible in the least amount of time.

The program prompts you to send large extra principal payments to your primary mortgage from your line of credit. This raises the balance on your line of credit, but does not increase your total debt. By lowering your mortgage principal balance, you eliminate years’ worth of monthly payments, and lower the total amount of interest you pay over the life of the loan. In addition, a larger portion of your future monthly payments will apply to your mortgage balance, making each payment more effective.

This process leaves a balance on your line of credit. The Money Merge Account system applies the principle of Interest Cancellation to this balance by using your line of credit as a checking account. Normally, your money sits in your checking account waiting to be spent while earning little to no interest. When you transfer your income into the line of credit and leave it there as long as possible, it reduces the balance that accrues interest, saving you money. You can pay your bills from the line of credit like you would a checking account.

The UFirst - Five Easy Steps to Becoming Mortgage Free

First, every potential client must contact a United First Financial Independent Agent who will complete an Analysis to see if they qualify for the Money Merge Account program.

Second, assuming they qualify, the potential client must obtain a line of credit (if they don’t already have one) and go through Money Merge Account program activation.

Third, clients use their line of credit as a checking account, depositing all income into their line of credit and paying all expenses from the line of credit. The software will then determine the best time and amounts for extra principal payments, and prompt clients to send the money to their mortgage from their line of credit, ensuring that they pay the least amount of interest on both their mortgage and their line of credit.

Tomorrow steps 4 and 5, and discover why thousands of people are becoming UFirst™ independent agents

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In today’s economy, people are struggling to find ways to increase their personal wealth and stabilize their financial futures.

Private ownership of property is vital to both our freedom and our prosperity.

Cathy McMorris

Understanding this massive need, along with specific financial elements, business owners Skyler Witman and John Washenko were motivated to develop a top-notch IT division and contract an aeronautics engineer to begin creating the mathematical algorithms (math engines) and system programming that would become the very heart of their Money Merge Account™ program.

According to the company, several years and millions of dollars were invested in research and development before a 1-year market test was completed. To the satisfaction of the founders, the initial 400-client test market was achieving results better than they had predicted. Traditional 30-year mortgage holders were on track to become mortgage free after only 8 to 11 years.

To facilitate the growing marketing needs of the Money Merge Account program, Skyler and John brought on colleagues Jonathan E. 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.

Over the past few years, the program has grown to allow the company to extend its services by rolling out educational seminars across the country and working with thousands of American homeowners to get them on the fast track to financial freedom without a mortgage. The demand for the Money Merge Account program has been growing exponentially, and the company continues to bring on board additional resources throughout the country to expand market share.

A side-by-side comparison of traditional mortgage vs. the Money Merge Account program shows homeowners the potential savings on interest over the life of the loan. This can represent a repayment of twice the home’s cost. OpTree examined what these products are; and how they are affecting consumers and sales agents.

Tomorrow we will uncover the “key ingredients” that make UFirst and its program effective in the marketplace, and we will discuss specifics about how the program is best applied…

Popularity: 2% [?]