cutmyinterestnow.com

One of the initiatives in this program is aimed at helping responsible homeowners “refinance” their loans to take advantage of historically low interest rates. Here are some common Questions and Answers about the Refinancing Initiative in the program.

REFINANCING INITIATIVE

1) Who is eligible?

You may be eligible if:

* You own and currently occupy a one- to four-unit home.
* Your mortgage is owned or controlled by Fannie Mae or Freddie Mac.
* You are current on your mortgage payments.
* The amount you owe on your first mortgage is about the same or slightly less than the current value of your house.
* And, you have a stable income sufficient to support the new mortgage payments.

2) How do I know if my loan is owned or controlled by Fannie Mae or Freddie Mac?

Simply call or email me. I’ll help you determine if your mortgage is backed by Fannie Mae or Freddie Mac.

3) I owe more than my property is worth. Do I still qualify to refinance under the Making Home Affordable Program?

Eligible loans will include those where the first mortgage will not exceed 105% of the current market value of the property. For example, if your property is worth $200,000 but you owe $210,000 or less, you may qualify. The current value of your property will be determined after you apply to refinance.

4) If I am delinquent on my mortgage, do I still qualify for the Refinance Initiative?

No. But the good news is, you may qualify for the Modification Initiative. Contact me to discuss your situation and review your options.

5) I have both a first and a second mortgage. Do I still qualify to refinance under Making Home Affordable?

As long as the amount due on the first mortgage is less than 105% of the value of the property, borrowers with more than one mortgage may be eligible for the Refinance Initiative.

6) Will refinancing lower my payments?

That depends. If your interest rate is much higher than the current market rate, you would likely see an immediate reduction in your payment amount.

However, if you are paying interest only on your mortgage, you may not see your payment go down. BUT… you will be able to avoid future mortgage payment increases and may save a great deal over the life of the loan.

7) What are the terms of the refinance and what will the interest rate be?

All loans refinanced under the plan will have a 30- or 15- year term with a fixed interest rate.

The interest rate will be based on market rates at the time of the refinance. Currently, interest rates are at historical lows, which make this a good time to examine your refinancing options.

Will refinancing reduce the amount that I owe on my loan?

No. Refinancing will not reduce the principal amount you owe. However, refinancing should save you money by reducing the amount of interest that you repay over the life of the loan.

9) Can I get cash out to pay other debts?

No. Only transaction costs, such as the cost of an appraisal or title report may be included in the refinanced amount.

10) How do I apply for the Refinance Initiative?

Call or email me today to discuss your specific situation and to examine your options. If this plan is right for you, we can begin working on your refinance immediately.

As part of the discussion, we may need to look at the following information:

* Recent pay stubs to help determine your gross (before tax) household income.
* Your most recent income tax return.
* Information about any second mortgage on your house.
* Account balances and minimum monthly payments due on all of your credit cards.
* Account balances and monthly payments on all other debts, such as student loans and car loans.

Remember that our system is about helping you to first modify your loan if you qualify.  Second, helping you to have better habits by getting you on the Money Merge Account system from United First Financial. This system will help you to make better financial decisions and guide you to becoming totally debt free in as little as 1/3 to ½ the time, even if you don’t refinance, or qualify for a loan modification.

So after you have read this your next step is to e-mail me, or go back to the link below for the Free Financial Analysis. Click HERE…

Regards,

Darin Stubbs

Branch Manager, United First Financial

UFirst Tackles the most frequently asked questions. From Success From Home Jan 2009

Q. Why do I need the Money Merge Account Program? Can I do this myself?

A: Absolutely.  The concept is sound, and anyone can attempt to do something similar on their own.  However, our Clients’ success has proven that it takes a complete support system, which includes financial education, coaching and proven software tool specifically designed to dynamically take into account the financial variabbles  of each individual client.

Q. Isn’t the Money Merge Account just software?

A: No.  The Money Merge Account program has three important components: Financial Education, Personal Coaching and a Dynamic Software System.  First, we help educate people about interest cancellation and interest savings, as well as the cause and effect of every penny you earn and spend.   Second, with every purchase, the client is assigned a live personal coach, and an 800 number is available for ongoing support. Finally, the software system is the client’s guide that dynamically reacts to each input and acts as the client’s financial GPS.

Q. Do I have to refinance my existing mortgage to make this work?

A: No.  It is not necessary to refinance your existing mortgage. You may choose to refinance your mortgage for additional interest savings, but it is not required for the Money Merge Account Program to work.

Q. What happens if I need money for an emergency or if something comes up?

A: You still have total control of your money.  When you initially set up your system with your coach, you decided what your minimum reserves will be.   Your payoff time will adjust every time you make unplanned deposit or withdrawal.

Formula for success

What better guidance can you ask for than a personal financial coach-one that can input your financial situation, analyze the figures, output a personalized financial plan and give you the tools to follow such a plan?  Enter the Money Merge Account system.  Someone wanting to reform their debt-laden ways and begin to aggressively reduce their financial obligations enters all their economic date, income, debts and expenditures… into the software.  The Money Merge Account System, from United First Financial,  will work so people can easily transfer money without incurring more debt through hi interest rates.  The system then calculates some of the quickest and most efficient ways for clients to reduce their debt to ZERO!!

You need to see how this amazing system can help you.  We offer a Free Analysis that will map out step by step how you could be debt free in as little as 1/2 to 1/3 the time. Click Here to find out more.

To watch a short 6 minute video click here.

We need to form a new relationship with money based on old-fashioned common sense.

Darin Stubbs Branch Manager

Filed in Money Merge Account, United First Financial on Dec.12, 2008

Success From Home United First Financial
United First Financial and the Money Merge Account is in the January 2009 issue of Success From Home Magazine.
What we’re trying to do is conquer the world of debt - because debt is causing the paralysis of the world. United First Financial’s© Money Merge Account™ software is going to change the world because if we could have done it, we would have done it. But we haven’t yet - until now. Even with as much cash flow as I have, and I have much more than most, I still have debt. The software helps me see that, instead of [paying] 30 years on this piece of property, I’m on schedule to pay this off in 12.2 years and potentially save $639,000. I did not realize that until I used the Money Merge Account program.
- Mark Victor Hansen
Join the United First Financial agent opportunity crusade and become an agent today! Sign up here!
I think people need to learn how to earn, save, invest and then be philanthropic. What the Money Merge Account program does is it gives people insight into what their habits are. As a society, we’ve become used to consumerism and spending – maybe even overspending. The Money Merge Account helps you realize when you’re spending too much. For most of us – myself included – it’s a wake-up call.

- Mark Victor Hansen

See what the money merge account can do for you! Check out all the information at http://www.cutmyinterestnow.com. I have had the pleasure of meeting Mark 3 times now and each time I am amazed at his personal excitement regarding the Money Merge Account System!!

United First Financial’s Money Merge Account®, an advanced financial system that helps homeowners pay off homes faster, is highlighted on the Fall 2008 cover of Mortgage Planner Magazine.

BOISE, ID – United First Financial® recently announced that its advanced financial system, The Money Merge Account®, helps homeowners pay off homes faster by using the principals of mortgage acceleration and interest cancellation, has been featured on the Fall cover of the popular trade publication Mortgage Planner Magazine. Often considered a “financial GPS,” the Money Merge Account® is a unique proprietary program developed to help consumers eliminate thousands of dollars in interest from existing mortgages and other outstanding loans.

The complete Mortgage Planner Magazine article can be downloaded in PDF format at http://www.cutmyinterestnow.com.

As a financial software services and support company, United First Financial’s primary focus is developing beneficial products and coaching services to give consumers the information they need to achieve financial independence by being debt free as quickly as possible. Through the use of consumer’s existing banking tools, credit cards, credit lines, one-on-one coaching and easy-to-use Web-based software, the firm’s innovative Money Merge Account® program is an effective tool to help consumers pay off their mortgages and consumer debt quickly, while simultaneously building wealth.

“It is an honor to be so prominently featured in Mortgage Planner Magazine. With our Money Merge Account® program, all consumers can effectively achieve the financial independence they deserve with little change to their current lifestyle. Our cutting-edge program helps consumers pay off all types of debt by simply increasing their financial awareness and providing effective solutions to achieve their financial goals,” says Darin Stubbs, publisher of Cut My Interest Now.com and an independent agent of United First Financial.

The success of the Money Merge Account® can be attributed to the effective combination of features that the program offers. In addition to providing clients with enhanced calculations to pay down their mortgage and consumer debt rapidly with little change to spending habits, the Money Merge Account® offers a comprehensive budgeting system that recognizes each client’s personal financial goals.

For added flexibility, each client is also able to select how aggressively he or she would like to pay down personal debt to build wealth. The user-friendly program is complete with toll-free client support and live financial education and coaching. For added convenience, Money Merge Account® offers text message operation and bill pay.

A video explaining how the Money Merge Account® works can be viewed at http://www.cutmyinterestnow.com.

In addition to the cover feature on Mortgage Planner Magazine, United First Financial co-founders were also recently awarded the Ernst & Young Entrepreneur of the Year 2008 Utah Regional Award and the Editors’ Choice Award from Personal Real Estate Investor Magazine for the development of the Money Merge Account® system.

“We are so proud of the recognition that our Money Merge Account program has received throughout the financial and business community. We strive to give every consumer the tools they need to pay off debt as quickly as possible. With the advanced technology offered by Money Merge Account®, we have far surpassed even our own expectations,” says Stubbs.

About Cut My Interest Now.com: Darin Stubbs is an independent agent for United First Financial®, developers of the revolutionary Money Merge Account®. The Money Merge Account® is an advanced financial program designed to help consumers eliminate thousands of dollars in interest on mortgages and other consumer debt. Through the use of customized, flexible payment schedules, the Money Merge Account® provides effective solutions for consumers to achieve financial independence as quickly as possible.

Media Contact:
Darin A. Stubbs
darin@cutmyinterestnow.com
208-794-2877
987 S. Maple Grove
Boise ID 83709
http://www.cutmyinterestnow.com

The company and its Money Merge Account system were recognized for client mortgage innovation

BLUFFDALE, Utah – July 31, 2008 United First Financial™, a financial software services and support company, recently received the Editors’ Choice Award from Personal Real Estate Investor Magazine. The magazine’s editorial board selected the company, and presented the award at United First Financial’s recent international convention in Atlanta.

United First Financial’s innovative Money Merge Account™ program uses existing banking tools, one-on-one coaching and a Web-based software tool to help consumers pay off their mortgages and consumer debt in a fraction of the time as well as build wealth.

“Our program helps people pay off all kinds of debt—including what is typically their largest debt, their mortgage—as quickly as possible with little to no change in their lifestyle,” said Jonathan E. Bonnette, co-founder of United First Financial. “We also help people increase their financial awareness and achieve their financial goals. It’s an honor to be recognized by the Editorial Board of Personal Real Estate Investor Magazine; we are proud to be the company behind the Money Merge Account solution.”

In the research process, the editors determined three key factors to a successful mortgage acceleration system:

Mortgage payment acceleration is a very viable strategy that should be understood by anyone who desires to build and secure personal assets, including home ownership.
Market leadership is only possible with a vision, sound product, full-time customer service by a dedicated support organization and wide distribution by a committed sales force.
The feedback and insight that comes out of the direct customer support process has allowed constant improvement and added features to the Money Merge Account program and customer experience.

“We found the Money Merge Account system from United First Financial to be the clear leader in this market,” said Andrew Waite, publisher of Personal Real Estate Investor Magazine. “The system simplifies a complex world so homeowners can manage their financial condition better and take the American Dream of home equity growth to reality.”

For more information concerning United First Financial and its highly-rated Money Merge Account program, please visit www.UnitedFirstFinancial.com.

About United First Financial
United First Financial is a financial software services and support company. Its products, tools and coaching services enable consumers to pay-off their mortgages, eliminate their debt and achieve financial independence in a fraction of the time. For more information about United First Financial or the Money Merge Account program, please visit www.UnitedFirstFinancial.com.

About the Personal Real Estate Investor Magazine Editors’ Choice Award
The Personal Real Estate Investor Magazine Editors Choice Award is made to game changing real estate products and services. The product or provider must show innovation and originality and thereby improve a customer’s experience. Personal Real Estate Investor Magazine is the only editorial based consumer real estate magazine in the United States designed to help our readers find, make and save money on their real estate investments. Personal Real Estate Investor Magazine is America’s best selling real estate investment magazine now has the seventh best sell-through rate of business and finance magazine titles in bookstores and select airport newsstands nationwide.

United First Financial and Money Merge Account are trademarks of United First Financial. All other trademarks are property of their respective owners.

For additional information about the Money Merge Account and to read this exciting article go to www.cutmyinterestnow.com and download from my home page.

WHY ARE WE SO EXCITED?!?!?

We have found a program that we feel compelled to share with our friends and neighbors that is helping us pay off our mortgage and consumer debts in 10.4 years, saving us thousands of dollars, and helping us fund our retirement sooner!  The Money Merge Account Program is an online money management solution that uses proven financial strategies to make every penny you earn work smarter for you. It is customized to your exact situation and will tell you what to do with your money to maximize its potential every minute of the day.  It determine the fastest way to cancel interest and eliminate debt on your home, cars, credit cards and any other debts you have.  The best part is that it is simple to use and with your financial “dashboard” you will be able to see exactly where you are financially 24 hours a day 7 days a week.

In a matter of minutes we where able to see exactly what this great program could do for our family & you can do the same! Just go to  www.payoffinterestnow.com.    

I know it may seem too good to be true… we thought so too!…..imagine having no mortgage payment… being totally paid off in ½ to 1/3 the time!. With the help of the Money Merge Account Program, Joel and I are on track to pay our 30 year mortgage AND consumer debt off in 10.4 years.  It will change our lives and I know that it can do the same for you as well! 

Don’t put it off any longer! Just like us, you can sleep better at night by taking the guesswork out of your finances.  With the help of the Money Merge Program you can fund your retirement and investments, own your home free and clear have a better life – debt free! 

Yours Truly,

Jennifer Loranger

 (208) 830-4139

For more information go to www.cutmyinterestnow.com 

United First Financial, Money Merge Account

Debt free, mortgage acceleration, pay off early

Does investing your hard earned dollars in the stock market make your nervous???  How about a proven wealth building strategy that will act as your financial GPS system – getting you from where you are today to where you have always wanted to be?

We have found a program that is already helping tens of thousands of homeowners pay off their mortgages as well as their consumer debt on average in 8 to 12 years.  The Money Merge Account Program is an online money management solution that uses proven financial strategies to make every penny you earn work smarter for you. This program is customized to your exact situation and will tell you based on your past, present and forecasted income and expenses when and what to do with your money to maximize its potential every minute of the day.  It will take away all of the guesswork from your finances.  Using complex math algorithms it will factor the faster way to cancel interest and eliminate your debt on your primary residence, investment properties, commercial loans, installment loans, and credit cards.  The best part is that it is easy to use and with your financial “dashboard” you will be able to see exactly where you are financially 24 hours a day 7 days a week.

In a matter of minutes we can take a quick look at where you are financially to see exactly what this great program could do for you and your family.  The only information we will need from you will be loan balances, monthly payments, interest rates and your current income information.  There is no refinancing required, this program works in conjunction with your existing loan. Give us 20 minutes and we will give you a financial game plan and a five page analysis showing you step by step how The Money Merge Account can help you.

I know it may seem too good to be true… imagine having no mortgage payment… being totally paid off in ½ to 1/3 the time. The program also includes a lifetime of coaching, free program upgrades, unlimited property transfers, and much much more!!! 

I would like to introduce Jennifer Loranger and Darin Stubbs as the team leaders for the Money Merge Account. She will work exclusively within our office so you will always receive the same professional service you have grown accustom to receiving from us.  You can call me or call Jennifer (830-4139) or Darin at 208-794-2877 directly to set up an appointment either over the phone or in person. 

THROUGH THE END OF NOVEMBER WE ARE OFFERING A FREE PROSPERITY AND WEALTH BUILDING KIT AND DVD - CALL (208) 794-2877.

This information will be sent by mail, no cost and no obligation.

Don’t put it off any longer! We can help you sleep better at night in these uncertain times by taking the guesswork out of your finances.  Get started on the right track by visiting our informative website at www.cutmyinterestnow.com.   With the help of the Money Merge Program you can fund your retirement and investments, own your home free and clear have a better life – debt free! 

Yours Truly,

Audrey D’Orazio

Mortgage Planner

Yet another top industry professional joining the United First Financial Team to market the Money Merge Account to their clients.  This is a copy of a great letter sent to previous , REFI, Purchase money mortgage, HELOC and construction loan clients.

Use the Power of the Money Merge Account to cancell interest, accelerate your mortgage, and become debt free! Join up with the team at www.cutmyinterestnow.com and help your clients become debt free!!

Darin Stubbs

Branch Manager

darin@cutmyinterestnow.com

Okay… So  you are a mortgage broker, realtor, insurance agent, or outside sales rep… Have you ever wondered how you could get the competitive edge on your competition?  Then you need to seriously look at adding the Money Merge Account with all its power to your current portfolio of offerings.

Imagine adding a hudge new revenue stream to your personal income or companies income be adding a program that will help your customers to pay of their homes in 1/2 to 1/3 of the time without the need to refi.

This is what I have been doing now for several months and have nearly 200 agents in 12 different states now marketing the MMA program!!

If the idea of a few thousand dollars a months sounds great, or even a new income stream that can exceed what you are doing now, $10,000.00, or $15,000.00 or even over $25,000.00 per month then you better e-mail me or call me…

Don’t miss what Personal Real Estate Magazine says, “what represents a seismic shift” in the mortgage business.

Something to stop thinking about and just get started with the Money Merge Account from United First Financial. Go to www.cutmyinterestnow.com  and see what you need to do.

Darin Stubbs

Branch Manager

It’s true!! Some good news for the average homeowner regarding your mortgage!! We all love the technology we use each day. Everything has changed because of technology!! Medicine, telecommunications, flight & travel, construction techniques, internet, cell phones, iPods, everything is different all around us except… your mortgage.

Let me ask you a question… Do you know when the mortgage loan was invented??? How many years ago? 50? 60? More…?  Would you believe about 90 years ago?  Can you imagine using any piece of technology from 90 years ago? Yet everyday that is what 97% of Americans do.

Let me ask you another question. Who owns the tallest building in your town? I bet it’s a bank. What is it about interest that banks are not telling us?  Why are the banks the wealthiest industry in the world?  Do you know how much the banking industry made in net profits in the last 12 months???  The big 4 oil companies made 80 billion!! The banks made 500% more or $400,000,000,000.00!!! That’s right $400 Billion in net profit.  How did they do that?

We have all heard about the “sub-prime” mortgage mess, so if that is true how did the banking system still clear “record profits”?

Take a look at your mortgage. According to Fannie Mae 85% of all Americans sell or refinance their mortgage every 5 years!! That means that during that 5 year window that you keep your mortgage, upwards of 90% of what you paid in payments to your lender was INTEREST!!  Also know as pure profit!!

The key is what type of interest? Most people don’t really know… it is call front loaded fully amortized interest. This means the bank gets paid their money first!!! And later in the loan you start to pay off your balance.  In fact it takes 21 years to pay down the first 50% of your balance and during the last 9 years of a 30 year loan you pay off the other 50% of your balance. The problem is 85 % of Americans only keep their loan for 5 years!! Remember this loan was invented by bankers to benefit the banks!!

Why would any of us do this?  Why would we stay in a loan that has not changed much since it was invented 90 years ago?  Mainly because we don’t really have any other choice… until now!

What if you could pay off your home in ½ to 1/3 the time? What if you could do this without refinancing, with no change to your current mortgage payment, and with little or no change in your lifestyle!

Sounds too good to be true?   What if I told you that systems like this had been in use in Australia and New Zealand for over 20 years!! And in Ireland, Scotland, England & Spain for almost 15 years!!

Several years ago, 5 entrepreneurs from Draper Utah, about 20 minutes south of Salt Lake City, had one of those WOW ideas. One of those moments that according to Andrew Waite of Personal Real Estate Magazine, “… represents a seismic shift in the mortgage business and can deliver wealth and savings to consumers…”

The Money Merge Account, the brainchild of United First Financial is the hosted solution that will help you change everything you thought you knew about your mortgage. 

What the Money Merge Account does is work on some key principals. First is the mathematical reality of Interest Cancellation. This is a way of eliminating future interest and payments by banking smarter today. The money merge account tells you when and how much to move your money from your current accounts to maximize and save you the most amount of interest today and in the future!!

Next the Money Merge Account helps you to budget, forecast and guide you to zero debt in the shortest time possible. Think of the Money Merge Account as a financial GPS. 

You start with your current debts, a line of credit whether it is personal, business, or a HELOC, your current credit cards, and finally your checking and savings account. 

The Money Merge Account, or MMA, From United First Financial will use Interest accumulation, interest float, interest cancellation and strategic payoff principals, to help you accelerate your mortgage and cancel interest on all of your debts. Using this amazing system will help you to pay off in ½ to 1/3 the time!!

Too good to be true… Check out all the information on the principals of interest cancellation and mortgage acceleration at www.cutmyinterestnow.com.  Once you arrive at this well done and informative site you can watch a variety of videos from 4 to 18 minutes that will explain the process. Additionally there are numerous articles from major industry publications that use third party verification to validate the Money Merge Account.  Read how Ernst & Young awarded the 5 founders of United First Financial their Entrepreneurs of the Year Award for financial services companies.

And finally input your information for a free analysis of the Money Merge Account on your finances.  There is No SSN# required, No credit check, and No account numbers needed to receive this 5 page report. Put it to the test and you will be excited to see the undeniable results of what the Money Merge Account can do for you and your family.  What would you do if you had no mortgage payment???

What United First Financial is doing is using 21^st century technology on a 90 year old financial vehicle.  Remember what Albert Einstein said, “The definition of insanity is doing the same thing over and over and being stupid enough to expect a different result.” 

Go to www.cutmyinterestnow.com and find out for yourself what hundreds of thousands of homeowners just like you have found… You have a choice… pay for 30 years or pay for 8 to 12 years…

Darin Stubbs

Branch Manager