A New Paradigm ......

                       ....... for Home Owners

There are numerous techniques that you can use to pay off your debt quicker, among them biweekly payments and debt roll-down systems. These are effective, but rarely make a significant enough dent in reducing capital and interest to make a worthwhile financial impact in your life. Skyler Witman and John Washenko, two experienced mortgage professionals helped their customers with such tools, but seeing the overwhelming mountain of debt their customers were accumulating, realized they needed to approach this from a new perspective. By 2002, they had developed a system that would result in a new debt reduction paradigm which required no day-to-day financial impact, while paying off debt and saving hundreds of thousands of dollars in interest.

To bring their system to market, they created a top notch IT division, including the utilization of a mathematical engineer to begin creating the mathematical algorithms (math engines), that would, over the next few years, become the very heart of the newly named Money Merge Account® system. The millions of dollars invested in development resulted in a successful market test. Homeowners from the initial 400 client test market who signed up for the Money Merge Account system, beat expectations by achieving a rate of 20% better savings and payoff time than was initially predicted. Homeowners with traditional 30-year mortgages were on track to become mortgage free after only 8 to 11 years, all while paying off other debt in the process.

The answer to the question, "how can I can I get out of debt?" was now answered. United First Financial® was founded in 2006 and clients have already paid down over $150 million in mortgage and consumer debt principal, with little or no change to their budget or lifestyle. It didn’t take long for the recognition of the company’s achievements to occur; 2008 marked the year that the founders received the Ernst & Young Entrepreneur Of The Year® award for financial services in the Utah region.

                       ....... and for Businesses

In 2008, the Money Merge Account system, which has helped so many American (and now also Canadian) homeowners get on the fast track to financial freedom without a mortgage, was upgraded by UFirst™ to meet the needs of people with debt who do not have a mortgage.

United First Financial Stability

To facilitate the growing marketing needs of the Money Merge Account system, Skyler and John brought on colleagues Jonathan E. Bonnette, Matt Lovelady, Don Jorgensen and Steve Smith when they 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 Americans and Canadians get on the fast track to equity build up. The demand for the Money Merge Account system is exploding, and the company continues to bring on board the smartest, most talented financial agents in the country to help those in debt reach their dreams.

Innovation and Progress

In early 2009, United First Financial announced the release of the Bizpack™ suite, an integrated package for small and home based businesses (SOHO). This is an integration of disparate systems that UFirst already offered to its agents.