The Challange

Most homeowners, when mortgage interest is considered, realize they will pay about twice the purchase price of their home on a traditional mortgage—a mortgage that will take about 30 years to pay off.

The Solution

Now, there is 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, helping to reduce the amount of interest paid on your loan. Your mortgage can now be paid off in as little as 1/2 to 1/3 the time, with little to 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 a powerful new approach that gives homeowners flexibility with their money and accelerated financial freedom.

Watch the Money Merge Account™ Introduction Video

The Money Merge Account™ program by United First Financial is based on four principles, which are the same principles used by banks.

The Four Principles

1. Interest Accumulation The Money Merge Account™ program puts every penny of your money to work for you. If you currently deposit checks into your checking account and then leave the money there until you pay bills, your money is not working for you.

2. Interest Float Have you ever charged purchases on a credit card and paid that card in full when the bill came due? That is an example of interest float. In essence, you were using the bank’s money for free for a month.

3. Interest Cancellation Utilizing an Advanced Line of Credit (ALOC), which could be a Home Equity Loan, Business Loan, Personal Loan Secured Loan or a credit card, checking and savings account, your Money Merge Account™ program will show you how to leverage your funds so you reach zero debt in the quickest time possible, while paying the least amount of interest.

4. Strategic Payoff The Money Merge Account™ program computes the optimal time to leverage money to pay off your debts and cancel interest. It sounds simple, but in reality it is millions of lines of codes, and multiple, sophisticated math algorithms hard at work. Did you know that if you have 6 debts, there are actually 720 possible combinations to consider before choosing which debt to put money towards?

The Four Components

The Money Merge Account™ program has Four Required Components to Pay Your Debt off in Record Time.

1. Your Debt

• If you have a Mortgage or more than $80,000 in debt you would use the Money Merge Account™ Pro.
• If you do not have a Mortgage and have a total of less than $80,000 in consumer debt and 10 creditors or less, you would use the Money Merge Account™ Express.

2. Advance Line of Credit (ALOC) Any type Line of Credit will work, as long as it has the correct characteristics required by the Money Merge Account™ program. This could be a Home Equity Line of Credit (HELOC), a Personal or Business Line of Credit, or even a Credit Card with an available balance of $300.

3. Checking and Saving Accounts Most people already have these, and if not, they are simple to get at the bank or credit union of your choice.

4. The Money Merge Account™ Program This is the remarkable tool that will show you how to Flow Your Money and bank like the banks!

The Money Merge Account Program™ is Your Money Management Solution:

• Acts as your Real Time Navigation System – taking the guess work out of your financial path. It helps you decide what purchases are best for you, and when is the best time to spend your money. You’ll know the True Costs before you make important decisions.
• Calculates Strategic Payoffs –so you know which debt should be paid first. How do you cancel the most interest this month? What is the quickest way to zero debt? The Money Merge Account system uses all the variables of your debt (loan term, amount owed, interest rate, variable or fixed, principal, etc) to guide you out of debt in the shortest time with little or no change in your standard of living or lifestyle.
• Ease of Use – Remember, this only takes about 10 minutes a month. You’ll be able to track your money, and have an exact balance status report at your fingertips.
• Professional, Personal Lifetime Support is included –If you need assistance or have a question you simply call your Personal Account Manager for one on one Lifetime Support by United First Financial.

How does it work?

Fill out the information request form on the Free Analysis page and we will show you! Then not only will you understand how it works, you’ll know what the Money Merge Account™ program could potentially do for you! Rest assured that this is a secure process, and we will not be asking for any private information such as account numbers or your social security number. You will never have to give these. In fact, you will be in complete control of your information at all times. We just need to know about your current situation. We will be happy to provide you with a free analysis. Once we have run your analysis, we will show you just how quickly you too can be debt free.

United First Financial 3540 Crain Hwy Suite 437 Bowie, MD 20716
Phone: (240) 988-9597 Fax: (413) 460-5216