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Text Box:                            Text Box: Q21. Is the Money Merge Account System the only option that can effectively help to pay my mortgage off ahead of schedule? A. There are many different options for homeowners to pay their mortgages off early. Homeowners using this system have stated that the Money Merge Account program is one of the best ways they have seen to pay their mortgage off early while gaining a much more robust understanding of the operation of their household finances.                                                                                              RETURN TO TOP Q22. Does the Money Merge Account program take into account if I am paid on a monthly, semi-monthly, weekly or bi-weekly basis? A. The Money Merge Account software is programmed to take different pay schedules into account to operate at maximum efficiency. This enables homeowners to receive the optimum benefit from the program while always maintaining complete and total control over their money and financial decisions.                                                                                              RETURN TO TOP Q23. Does the Money Merge Account System fix my financial problems? A. The Money Merge Account program is not a cure; it is a tool. This system will only assist qualified homeowners in paying down their mortgage debt at an accelerated pace if they properly utilize the Money Merge Account System  the way it is intended to be used.                                                                                              RETURN TO TOP Q24.  If I spend more than I make, will the Money Merge Account System work for me? A.  No. If you do not make more than you spend the Money Merge Account System and our service is not the right option for you.                                                                                              RETURN TO TOP Q25. Should I stop putting money in my investments or transfer money from an account into the Money Merge Account System? A. Farewell My Mortgage and United First Financial do not provide financial or investment advice. Please consult your licensed financial planner.                                                                                              RETURN TO TOP Q26. Is customer support important in properly implementing this system? And if so, what kind of customer support do I receive as a client? A. Proper customer support is key in gaining the greatest possible savings with the Money Merge Account System. While the system software is very user friendly, the lifetime customer support which comes with each new program activation is equally as valuable in achieving the greatest time and interest savings possible. There are many interest saving features built into the program, and our client support center is highly trained in providing the homeowner with the greatest possible education and instruction under this system.                                                                                              RETURN TO TOP Q27. How can a higher interest Line of Credit help to payoff my lower interest first mortgage? Can you give me more information on the workings of this program? A. When repaying a mortgage, it's not the rate you pay that's most important. What matters most is the total amount of interest you pay over the term of your loan. With the Money Merge Account system you use your line of credit to reduce the balance owing on your primary mortgage, and you reposition your regular income and your unused “stagnant” money you normally leave sitting in your regular checking and/or savings account to reduce the balance owing on your line of credit. By repositioning your regular income and your unused “stagnant” money you normally leave sitting in your regular checking and/or savings account, you are able to keep your line of credit balance as low as possible, which can significantly reduce the interest that would normally be charged on the line of credit. This means more of your regular payment goes towards your principal balance each month, helping you repay your mortgage ahead of your standard mortgage schedule. The online software system and customer service provide helpful guidance as to the specific transfer amounts and timing that is needed to provide each individual homeowner with the best interest savings possible under this system. Optimum interest savings under this system is a delicate balance between your primary mortgage, your line of credit, your income, expenses, transfers, etc. If you transfer too much to your primary mortgage, it can cost you more interest on your line of credit. If you transfer too little, it can cost you "lost" interest savings on your primary mortgage. This system helps homeowners to reduce both the interest and time owing on their existing mortgage by strategically positioning their money where it can provide much more financial benefit than "sitting stagnant" in a standard checking or savings account. Also, unspent "stagnant" money left against the balance of the loan that homeowners would normally leave in their checking and/or savings account is now working for them 24 hours a day without requiring them to change their lifestyle. When you need money for expenses, you can access it through your line of credit. Intricate financial features and details programmed into the Money Merge Account software help to better educate the homeowner and assist in the greatest time and interest savings possible under this concept..                                                                                              RETURN TO TOP Q28. Can I contact any of your client references to hear about their experiences with Money Merge Account Program? A. Due to privacy regulations, we are unable to provide personal contact information for references. However, you can view actual clients using the Money Merge Account Program on our videos, and you are welcome to research United First Financial through the Better Business Bureau web site at www.bbb.org.                                                                                              RETURN TO TOP     Text Box: Q11. Why don’t the banks offer this program? A. The Money Merge Account System is based on banking principles that are accepted by most banks across the nation. The system simply provides you with the necessary tools and education to better use your money to reduce interest, instead of the bank using your money to earn interest. We believe this is one of the reasons most banks do not offer this type of program.                                                                                                RETURN TO TOP Q12. What happens if I sell my home? A. The Money Merge Account (MMA) program follows your mortgage until it is paid off. Once you have sold your home and purchased another residence, we can put the Money Merge Account program back into action on the new residence.  Also, all the equity built up in your home, as well as the equity built with market appreciation, will make a great down payment on the next purchase!                                                                                                RETURN TO TOP Q13. Is there any risk involved? A. From a financial standpoint, there is very little risk. Only you control your money. No stock market crash or extreme interest fluctuation can completely eradicate the expected outcome of the Money Merge Account system. If your numbers remain the same, we guarantee the results given on your "Final Analysis" at the outset of the program.  Only homeowners that qualify to significantly reduce their mortgage payoff time and interest, however, will be activated on the Money Merge Account program. Be advised, this system does not release homeowners from their obligation to make their regular minimum monthly loan payments. This program is not for everyone, just as no program is right for everyone.                                                                                                RETURN TO TOP Q14. Can anybody qualify for the Money Merge Account Program? A.  It is important to go through a brief questionnaire when applying for the Money Merge Account program. Fortunately, there are several avenues that can be taken to gain approval or tailor the program to work for your specific situation, but the Money Merge Account program is not for everybody.                                                                                                 RETURN TO TOP Q15. Do I have to refinance my existing mortgage loan to make this work? A.  No. It is not necessary to refinance your existing mortgage loan. You may choose to refinance your mortgage for additional interest savings but refinancing your existing mortgage loan is not required for the MMA to work. If you do not currently have a specific Line of Credit, one will need to be opened.                                                                                                RETURN TO TOP Q16. Will the Money Merge Account work with an interest only or negative amortization payment on my primary mortgage? A. It can, as long as the homeowners information qualifies. In fact, the Money Merge Account program helps qualified homeowners take control of the outcome of these types of loans with much greater understanding.                                                                                                 RETURN TO TOP Q17. Can I own multiple investment properties at one time and utilize just one Money Merge Account software program, or do I need one for each property? A. The Money Merge Account System is most effective when used to payoff one property at a time. As each property is paid off, your overall discretionary income can increase; creating an accelerated payoff period for each subsequent property. Future versions of the system software will support multiple properties at once.                                                                                                 RETURN TO TOP Q18. Is this program right for all people? A. No, as many different programs are right for some and not right for others. This program provides tools, education, insight and convenience to homeowners that are looking for additional support and education on how to pay their home off quickly.                                                                                                RETURN TO TOP Q19. Does United First Financial give investment, mortgage, real estate, or financial advice? A. No, United First Financial does not provide investment, mortgage, real estate or financial advice.                                                                                                RETURN TO TOP Q20. Does the Money Merge Account System create money in addition to my regular income to help pay down debt? A. No, the Money Merge Account System does not create money "out of thin air". It is a proven system that utilizes existing banking tools, financial strategies and education to assist homeowners in saving interest and paying off debt at an accelerated rate. This system helps homeowners to reduce both the interest and time owed on their existing mortgage by repositioning their unused idle money that would normally just sit in a regular checking or savings account until it is needed to pay expenses. When money is needed for expenses, it can be accessed through your Line of Credit. This system helps to maximize interest savings with each and every penny and recalculates to maximum efficiency under this concept each and every day.                                                                                                RETURN TO TOP   Text Box: Q1. What is the Money Merge Account TM ? A. The Money Merge Account is an online software program that incorporates your checking and savings accounts with an advanced Line of Credit, or ALOC (a special HELOC).  Through this program, homeowners have the ability to pay off their 30-year mortgage in as little as one-third of the time, without refinancing their existing mortgage loan or increasing minimum monthly payments. This system helps homeowners to strategically and incrementally position their money where it provides much more financial benefit than "sitting stagnant" in a standard checking or savings account, until it is otherwise needed. Vast financial details programmed into the Money Merge Account software help to better educate the homeowner and assist in some of the greatest time and interest savings possible. This program is not intended for all homeowners, as no one program is right for everyone. We encourage you to do your homework and get the facts before deciding if this program is right for you.                                                                                                RETURN TO TOP Q2. Can I just do this concept on my own? Why can’t I make extra principal payments to my primary mortgage and achieve the same results? A. The simple answer is anyone can attempt to do something similar on their own. The most accurate answer is the Money Merge Account System is an advanced tool that is specifically designed to take into account the financial variables of each individual homeowners life and helps to produce some of the greatest interest savings possible. This complex, yet user friendly system records and tracks all of the critical financial data of each individual homeowners income, expenses, increases, decreases, out of the ordinary fluctuations in spending and many other financial variables of each individuals daily lives. This system helps to maximize interest savings with each and every penny and recalculates to maximum efficiency under this concept each and every day. This system adapts and adjusts to real life situations instead of just expecting homeowners to stay with a static plan.  Simply put, the mathematics behind Money Merge Account software present a sophisticated process that has a substantial financial benefit over increasing your monthly payments. The algorithms in the proprietary Money Merge Account System create the highest interest savings possible in the least amount of time. The math engines programmed in the Money Merge Account System calculate the specific timing and dollar amounts required to produce the most optimum savings on each individual mortgage and overall financial situation.                                                                                               RETURN TO TOP Q3. Does it make sense to move my money in my regular savings account over to my Money Merge Account Program? A. Mathematically it can make sense. In moving your savings into the Money Merge Account Program, you can further decrease the loan balance on which interest accrues, which can decrease even further the amount of time left to pay off your mortgage. When you need access to money you can draw money out through your Line of Credit. Your customized online site has the ability to build a variety of financial models to help you understand the effect that the money in your savings account will have in decreasing the amount of time it will take you to pay off your mortgage. We advise that you always seek the advice of your licensed financial planner.                                                                                                RETURN TO TOP Q4. Do I make monthly payments on my Line of Credit? A. Yes, but not in the traditional sense. You will use your Line of Credit similarly to your primary checking account. Your paychecks will be applied to your Line of Credit and your monthly bills will be paid from the account. By repositioning your income against the Line of Credit, the Line of Credit lender will credit the monthly payment requirement and lower your daily average balance, thus reducing interest charges. Any money that you don’t spend, that would normally just be "sitting stagnant" in your regular checking or savings account, remains against the balance of your loan until it is otherwise needed, further reducing interest charges. When money is needed, it can be accessed through the Line of Credit.                                                                                                RETURN TO TOP Q5. How can homeowners pay their mortgage off early with little to no change in lifestyle and with out increasing minimum monthly payments? A. The Money Merge Account System and our service are designed to work with a homeowners existing lifestyle. This system helps homeowners reduce both the interest and time owed on their existing mortgage by repositioning their income just waiting to be spent, until it is needed to actually pay expenses. When money is needed for expenses, it can be accessed through their Line of Credit. This system helps homeowners to strategically position their money where it provides much more financial benefit than "sitting stagnant" in a standard checking or savings account, until it is otherwise needed. Vast financial details programmed into the MMA software help to better educate the homeowner and assist in some of the greatest time and interest savings possible.                                                                                               RETURN TO TOP Q6. Why am I applying for a Line of Credit, and how is it associated with my savings and checking accounts? A. The Money Merge Account System uses the equity Line of Credit solely as a vehicle or a tool to drive the program. The Money Merge Account online software created and run by United First Financial works independently of the HELOC lender.  The equity Line of Credit must have the capacity to operate similar 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 web-based system and client support, a formula is created by which the money in your Line of Credit account generates interest cancellation on your primary mortgage, while at the same time the money that normally would be sitting in your checking and/or savings account generates interest cancellation on your Line of Credit, until it is otherwise needed.                                                                                               RETURN TO TOP Q7. Do I have to change banks? A. It is not necessary to change banks. After signing up for the program, we have a customer support team that will assist you in orchestrating your banking needs with your Money Merge Account program if requested.                                                                                               RETURN TO TOP Q8. Do you make payments for me? A. No. We do not have any access to your accounts. You will be initiating all transactions by following the prompts of your online Money Merge Account software. You make all decisions and you are in complete control of your money.                                                                                               RETURN TO TOP Q9. Do you have access to or control of my money? A. No. You are the only person with access to your accounts.                                                                                               RETURN TO TOP Q10. Do I pay interest on the equity Line of Credit? A. There is interest charged on the Line of Credit.  But because your income is sent to your Line of Credit at different intervals, the bank adjusts the amount of interest they can charge you by offsetting the average loan balance.  As a result, the interest charged is greatly lessened.                                                                                               RETURN TO TOP  


 

Text Box:  Farewell My Mortgage and its agents are Independent Agents of United First Financial TM, Agent #834177.  Learn more!

Text Box:          While our program is not for everyone, it will change the financial future of many Americans who take the time to see if this is right for them. DON'T WAIT Please give us an opportunity to introduce the Money Merge Account Program to you! You will be amazed.