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Text Box: GREAT NEWS for HOMEOWNERS 
with little HOME EQUITY or lower CREDIT SCORES!

Effective June 2008

Homeowners that are unable to obtain - or do not currently have - a HELOC 
(home equity line of credit), or a personal or business line of credit that works with the 
Money Merge Account Program, they may choose to use one of their CREDIT CARD ACCOUNTS as a "Mortgage Checking Account." 

This is a HUGE advantage for those homeowners that want to begin using the 
Money Merge Account Program but currently cannot qualify with a lender for a 
home equity or other type of line of credit.

This will allow homeowners to take advantage of the equity building features and the debt 
reduction goals of the Money Merge Account Program earlier than first realized. This may 
also help homeowners get on track faster with improving their financial situation and further 
building their credit, which may allow them to move their "mortgage checking account" 
to a better line of credit in the future!
A HELOC or a personal line of credit are PREFERRED over using a
Credit Card Account with the Money Merge Account software. However, these 
option may not be available for some homeowners. Now United First Financial can 
also help these homeowners pay off their mortgage in a fraction of the time!