By utilizing banking strategies, which have been around for decades, qualified business and home owners using the Money Merge Account® system developed by United First Financial® can now potentially pay off their mortgage and other debts in as little as 1/3 to 1/2 the regular time – with little to no change to their day-to-day cash budget and without increasing their minimum required monthly debt service payments. Smart homeowners, consumers and business people use the Ufirst™ Money Merge Account system — a powerful tool to help you fulfill your dream of asset ownership.

And even those in underwater mortgage situations can use the Money Merge Account software to mitigate a loss in equity.

Interest is a huge part of what you pay

We all like to avoid bad news, to hide it in the back of our minds. Most of us know that interest payments comprise far too much of the amount that we pay on a loan to eventually take full ownership. On a standard home mortgage, with an interest rate as low as 5.5%, the total interest paid exceeds the actual cost of the home. However, each month, as we pay off our debts, most of us don't get upset about the interest we're paying. Why? Because it serves us to acquire assets using debt AND we don't know that there is a way to retire debt early. It’s the interest that hurts when unusual situations occur and put us into upside-down loans.

It’s OK to get upset

YOUR DEBT CAN NOW BE PAID OFF IN AS LITTLE AS ONE THIRD TO ONE HALF THE TIME, with little to no change to your lifestyle or refinancing of your existing debt. If you are not using the Money Merge Account system from United First Financial®, it is now time to get UPSET!!!!!! Yes, every time you make a debt payment, you should be upset because you now know that there is a way, one of the fastest ways, to repay debt and be on your way to financial freedom.

It’s just mathematics (but very complicated maths!!!!)

Using your money strategically, using the lender's money, and using well known banking techniques, the Money Merge Account system guides you along a proven financial track that shows you your financial future as it changes based on the week to week cash flow changes that will occur in your life, as they do in everyone's. This interest reduction solution puts the deed to your assets, such as homes and equipment, in your hands in a fraction of the regular time. The quicker principal pay down and reduced total interest paid help you start building equity much earlier, instead of staying in debt to pay off your home, your place of business, your car, computer or anything else you are paying interest on. Building equity quicker reduces your risk, and reduces the chance that you will find yourself in a negative equity situation if your asset value falls in a bad economy.