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United First Financial is an innovative company that helps American homeowners reach their financial goals. Our interest reduction solution puts the deed of your home in your hands in a fraction of the regular time by utilizing banking strategies which have been around for decades.

Introducing the Money Merge Account — a powerful tool to help you fulfill your dream of home ownership and save money for your future. Our average customer will pay their 30 year mortgage off within 8 to 11 years — with little change to their day-to-day spending habits and without increasing their monthly mortgage payments.

A mortgage-free future is closer than you imagine. Learn how United First Financial can work for you.

Most homeowners 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.

Introducing a way to break that cycle of financial drain—the Money Merge Account. Developed by a team of financial experts with years of experience in the mortgage industry, the MMA rapidly reduces the principal of your mortgage, practically eliminating the interest from accruing on your loan. Your 30-year mortgage can now be paid off in about 8 to 11 years, with no change to your lifestyle or refinancing of your existing mortgage.

The Money Merge Account is not a bi-weekly payment or debt roll-down system. It’s an entirely new approach that gives homeowners flexibility with their money and complete financial freedom
 



A side-by-side comparison of a traditional mortgage repayment shows the savings potential using the MMA system. A 30-year, $136,000 mortgage at 5.25%, when paid through conventional monthly payments, will result in a 30-year total repayment of $270,784 – nearly twice the cost of the home.

The MMA program can repay the same mortgage in 11.3 years with a total repayment of $181,217.

An incredible savings of $89,566 is realized on the same income, with the same mortgage, at the same interest rate, and without any changes to your standard of living. MMA is simply one of the fastest ways to repay a mortgage and be on your way to financial freedom.

 
 

 
 
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At first, it seemed like something that was too good to be true. We had to start thinking about things in a totally different way, but it has been completely worth it. It has given us more freedom, more breathing room, and it feels really good. It helps you reach your goals and see the light at the end of the tunnel. I love the fact that we are so much more aware of our financial well-being at any given time. The software is helpful and the technical support that they have is amazing. We always get a call right back and they are totally willing to talk you through things and help you problem-solve. We’re sharing this with our entire family.
— Jeff and Terry Hinson

My sister started this same program and started convincing me that I should give it a try. It’s pretty amazing because it’s already saving me $500 a month, just because of the way that it has restructured my payments. I also love it because it shows me exactly where I’m at and I can check on the website at any time to see my progress. I’ve done the math and I am saving so much money in the long run than I would just by having a conventional mortgage. I would totally recommend it and I already have. When you find something that works, you just want to give people a heads up and let them know how they can save money too.
— Dave Michaelson

This program has worked great with our lifestyle because it just gives you so much more time. It lets you completely manage your finances and gives you total control. It’s like you can feel yourself getting out of debt because you can see it right in front of you. Whenever I make a transaction, it’s just so simple and clear. I have recommended it to a lot of my family and friends, and I would recommend it to anyone. Everyone should have the opportunity to get out of debt, and this is such a great way to do it. Everyone I have talked to at United First Financial has been so honest and upfront with me that I feel like I really have found a way to accomplish my financial goals.
— Susan Meyers

One of the most amazing things to us about this whole process is how we have been able to take our money that was just being wasted away or sitting in an account that made no interest and use it in an organized way and see how much difference it made in our progress towards paying off our mortgage. We’re not losing anything in the process... we seem to buy the same things that we always have but the money is just more efficiently used. I think that if we can do it, anyone could and it’s just an incredibly positive feeling. Some things seem like they’re too good to be true, but this one is the real deal.
—Lee and Carol Gross

When we recieved a mailer from United First Financial, it sounded like an intriguing opportunity. Our goal for a long time has been to pay off our mortgage as quickly as possible, and this seemed like a unique tool. Once we had a chance to talk to the actual agents at United First Financial, we were convinced. They were so professional and helpful and explained everything to us in ways that we could understand. That hasn’t changed at all. We have had help every step of the way. They have shown us exactly how to use the program and whenever we have a question, they are always available or quick to return our call. This has been something really special; usually you get a recording or something, but with this, there is always someone available to help you. We have been very impressed.
— Mark and Carol Stevens

When I first heard about the Money Merge Account, it just seemed like it had so many options that I hadn’t even thought of or explored before. Now that I’ve started, it’s hard for me to even explain to people how much it really helps. I have so much more flexibility with my money. It makes it possible for me to achieve my goals. I know that it will save me money because it is already allowing to use my money above and beyond what I thought it would. It has opened the door for me to do things that I hadn’t even expected. I have already recommended it to friends. If I had one thing to say about the program, it would be that people are not going to believe what a value it really is.
— Sherry Collins
 
United First Financial, its agents and subsidiaries provide Internet web based software and support services. United First Financial does not provide accounting, tax, legal, real-estate, mortgage or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account Limited Guarantee.
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