Archive for the ‘United First Financial’ Category

Refinance Opportunities now available to those who lack sufficient equity

Thursday, March 5th, 2009

The Obama Administration unveiled the final details of its “Making Home Affordable Program,” which is designed to help up to 9 million American families refinance or modify their loans to a payment that is affordable now and into the future.

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.

8) 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.

As always, if you have any questions or would like to discuss how this may specifically impact you, I’d be happy to sit down with you. Just call or email me to set up an appointment.

 

 

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

The Full Story of Bizpack

Wednesday, February 25th, 2009

THE POWER OF BIZPACK

BY DARIN STUBBS

 

 

This small business management system is from a company that has been given the front page of over 8 national magazines, giving business owners instant control over their businesses.

The true story of why it works, what really happened, and how you can put it to work for you.

You’re about to enter the sometimes frustrating world of the Small Business Manager.

And, you know what?  This is the real story…I can tell you, because I lived it.

WATCH OUT:  This story is not pretty.  It gets pretty scary…especially when it’s…

All Your Clients, Your Taxes, ..and…Your Self Esteem On the Line!

Actually, it’s a lot more than that, but I didn’t want to scare you too bad.  We’ll get to the rest of it soon enough.

But first, I want to set the record straight. BizPack is not free.  There is a onetime registration fee of $299.00 that is being waived, but only until March 16th!!

The monthly tax deductable service will run $129…but… it will pay for itself  if you use the simple system correctly.  In fact, you can actually make a great income with this product alone.  Now, if I were you, I’d probably be wondering…

Is This a Bunch of Hype?

It makes sense that you would be worried about that.

Hey, if I was looking at this for the first time, I would be wondering the same thing.  We’re bombarded with advertising every single day and it gets crazy!! I know how you feel.

So, let me just put you at ease and show you what I’ve gone through and the crazy mistakes that many of us have made along the way.  I’ll explain all the details and steps to getting the complete system…Being offered for the first time ever.

 

Here’s the real story behind what may be the biggest opportunity launch ever!

You might have heard about BizPack and there are several companies that tried to launch such an amazing and all inclusive product and wished they had thought of it first.

So right now I’m going to break it all down and let you in on how BizPack will impact your life, business and reduction in stress level!!

First of all, let me tell you that I’ve been a business owner for over 17 years and I’ve succeeded and failed a few times too!

I Have Owned my own business for 17 years!

  • I  have had the big office with tons of employees 
  • I am divorced with 4 children that go between myself and my ex-wife.
  • I had never been a very good organizer and my desk usually full of papers!
  • I have gone through a terrible custody and visitation battles
  • The IRS had put me through total hell for 5 years because of record keeping!

And if that wasn’t bad enough, I have been in the mortgage and real estate industry and the last 18 months have put me in financial ruin… and I was attempting to get people out of debt.  I have sometimes felt like a hypocrite.   

There were times when I felt like I was running so fast to keep up that I was burying myself in the whirlwind of contacts and follow ups and appointments and I couldn’t keep it all straight.

I tried keeping notes about the contacts and organizing them in folders and putting everything in a file, but the whole back of my car gets stuffed with client information and folders and I was driving everywhere to visit clients.

I actually put over 20,000 miles a year on my car just for business appointments!

When I did the math… it sometimes just did not add up… what a wakeup call.  Something had to change and I needed some better tools to keep my business above water and keep me from going crazy trying to organize a growing business in  9 states and dozens and dozens of new agents.

That’s when I made the change to United First Financial.  Now, I know there are lots of good companies out there and I’m not pretending that this is the only one, but it was life saving for me and my business. Here’s why.

  • It got me thinking I already had the skill set needed to succeed.
  • I was given the tools, by United First, for any agent to succeed.
  • I began to invest in my skills and knowledge on a new level especially using the internet.  
  • I began doing things differently and looking at the cost to income ratio on more of my decisions.

I began automating my follow ups and stopped wasting my time chasing after dead leads that weren’t interested in my product.

This system has saved my life.  I was beginning to be depressed and feel hopeless about my situation.  I felt like a displaced person, always living out of my car, plane, or hotel traveling and waiting for the next appointment.

I had always been in business for myself, but the conventional structure of an office environment with dozens of employees seem like too much to start and build again given the current economic conditions!!  And, the product, the Money Merge Account program actually worked beyond what I expected and had projected!

In fact, that was the reason most people didn’t buy because they were scared that it was too good to be true. But I knew it worked and had confidence that it would really do what it said it would because it was just math and it made sense.  And, even though people were skeptical and I only had a few appointments a week…

I was able to make a profit in my 1st month in business.

What made the difference?  Why was I able to have such great success with one company when the real estate and mortgage industries were failing!

I learned to do my appointments over the internet or in towns close to me.

At first it seemed a little impersonal, but I love the technology of gotomeeting.  But when I tried it, it wasn’t really that hard.  And, I was surprised at how many people were more receptive to meeting over the internet.  I guess they feel the same way I do about inviting someone into their home to see all their mess.  It’s a little intimidating.  

I pre-qualified people and kept extensive notes and e-mailed them a series of e-mails through templates and auto responders to save me time and gas.  I also took advantage of trainings that helped me market myself better and learned better sales techniques for free online.

I started listening to motivating CDs and DVDs and reading Success magazine.  I know this sounds corny and I always thought it would be a waste of my time to do this, but it really helped me combat the discouragement I felt as a small business owner.

Remember, I had a decent warm market, but how was I going to launch in multiple states all at the same time when I was so used to the conventional office model??

Let’s Cut Through the Hype and Get a Dose of Reality.

You’re not stupid and I’m not either.  We’ve all heard people who say they made millions of dollars by signing up with some company and then laying back and watching the cash just roll in.

And, we both know that’s not true. You don’t get anything for nothing.  Money comes from working hard and get rich quick schemes don’t pay off.  I’m not rich by any means.  I still have bills to pay and I’m still figuring this thing out.  Being a small business owner isn’t easy if you ask me.

I’ve lost a few sales because of my lack of organization and I’ve had people who didn’t see the vision because I didn’t know how to present it in the right way.

I tried telling people about the new techniques I was using, and they were starting to say…

You are full of it.  This only works for computer geeks.

Were they right?

I had no idea.  But, I knew that I wanted to try.  I have never done internet marketing and I have never used auto responders or e-mail templates and I didn’t know the first thing about small business tax deductions.

I knew that if it could work for me, it could work for anyone else.  So, I set myself up as a guinea pig and tried it for months to see if it was really going to benefit people.

Now, there were some months that the cash coming did not match my projections and I had to make tough choices.  Have you ever been in that position?

I always chose to keep my system current and paid that bill for sure.  I didn’t want to risk losing my contact notes, my scheduler, my video sending and tracking capabilities.  This was becoming my life line and I couldn’t imagine doing business without it.

Now, the program I was using wasn’t the BizPack… but it was the precursor that was only available to United First Financial Agents.  It was more limited and had fewer features, but in my mind, it was pretty awesome and I had never used anything so inclusive and integrated as this.

You and I know it can be pretty scary to try new things. I had never tried anything like this in my business before.  Then again, I had never had success marketing my business online before.  The Bizback system has really paid off.

Now…a few weeks ago, United First Financial announced the BizPack would launch March 16, 2009.  Imagine my surprise when…

I had a new recruit and sale from someone I had never even met before the product had even launched.

It was so easy.  I didn’t even have a sales meeting or presentation and I don’t know the first thing about this new BizPack agent.

Now, keep in mind that I did write a few blog postsabout BizPack and tweeted a few times about it on twitter.  But, the blog hasn’t got a great page rank and I don’t have much traffic, so it can’t be too hard to see the value of BizPack.  All in all, I invested about an hour’s worth of work to promote it.

This is where BizPack can pay for itself.  If I can sign up a few agents, the commissions I will earn on their subscriptions to this system will pay for my subscription.  Now, if I really wanted to, I could probably go out and sell this full time to business owners and earn a nice residual income each month.  Maybe I’ll write a few more blog posts and pursue that in the future.

If you are interested in doing that, go for it.  Let me know how it works and I’ll support you 100%.  I don’t want to be perceived as a pushy sales person, but more of a business friend that can offer you some of my experiences, good and bad.

The reason I even have time to type this blog post is because of the time I have savedfrom using this system to automate my business.  I can’t wait for the new BizPack.  The UTracker Pro Plus is wonderful, but I’m in on all the secrets behind the BizPackand it’s going to be stronger and better than UTracker Pro Plus.

For The First Time Ever, BizPack is Available to Public

It’s even better than the system I have been using that brought me a profit in my 1st month in the business.  You can sign up right now and start building your own team.  And if you sign up before March 16th, the registration fee of $299 is waived and you only pay $129 a month.

Here’s what you’ll get:

  • Success Magazine Subscription
  • UDeduct Tax tracking and record keeping system
  • Tax Deduction Analysis software
  • BizPack Opportunity Agent Registration Website
  • Contact Manager
  • Marketing System
  • Go To Meeting subscription
  • Calendar and appointment scheduling software

Now, the value of this package is obvious to me, and I would gladly pay $250 a month for all these features After all, I’ve already signed up one agent without really even trying. Now, that doesn’t include the dozens of other agents that I already had signed up who were already working with me in United First Financial.  I’m pretty sure that my subscription will be paid for. I’m just letting you know that it’s that valuable, and I just wanted to let you know about this opportunity before it’s too late and my enthusiasm really got away with me.

What’s the next step?

Well, if you are ready to sign up for BizPack and gain the ability to use the system and market it to others immediately, go to my website and fill in your information.  Now, it takes a few minutes to register, but then you’ll have your own registration website and you can start signing up  other business owners by directing them to your website.

Click here to register, now!

 

Don’t wait… remember until mid March the registration fee is waived!!  Use the Power of BizPack from United First Financial to change your business.

 

Darin

The Power of Bizpack by Darin Stubbs

Monday, February 23rd, 2009

 

This small business management system is from a company that has been given the front page of over 8 national magazines, giving business owners instant control over their businesses.

The true story of why it works, what really happened, and how you can put it to work for you.

You’re about to enter the sometimes frustrating world of the Small Business Manager.

And, you know what?  This is the real story…I can tell you, because I lived it.

WATCH OUT:  This story is not pretty.  It gets pretty scary…especially when it’s…

All Your Clients, Your Taxes, ..and…Your Self Esteem On the Line!

Actually, it’s a lot more than that, but I didn’t want to scare you too bad.  We’ll get to the rest of it soon enough.

But first, I want to set the record straight. Bizpack is not free.  There is a onetime registration fee of $299.00 that is being waived, but only until March 16th!!

The monthly tax deductable service will run $129…but… it will pay for itself  if you use the simple system correctly.  In fact, you can actually make a great income with this product alone.  Now, if I were you, I’d probably be wondering…

Is This a Bunch of Hype?

It makes sense that you would be worried about that.

Hey, if I was looking at this for the first time, I would be wondering the same thing.  We’re bombarded with advertising every single day and it gets crazy!! I know how you feel.

So, let me just put you at ease and show you what I’ve gone through and the crazy mistakes that many of us have made along the way.  I’ll explain all the details and steps to getting the complete system…

Being offered for the first time ever.

Here’s the real story behind what may be the biggest opportunity launch ever!

You might have heard about BizPack and there are several companies that tried to launch such an amazing and all inclusive product and wished they had thought of it first.

So right now I’m going to break it all down and let you in on how BizPack will impact your life, business and reduction in stress level!!

First of all, let me tell you that I’ve been a business owner for over 17 years and I’ve succeeded and failed a few times too!

For more information on how the amazing BIZPACK system 

Here’s what you’ll get:

  • Success Magazine Subscription
  • UDeduct Tax tracking and record keeping system
  • Tax Deduction Analysis software
  • BizPack Opportunity Agent Registration Website
  • Contact Manager
  • Marketing System
  • Go To Meeting subscription
  • Calendar and appointment scheduling software

 

 

 

Don’t forget the registration is free until March 16th!! So register Here

 

Stay tuned for more!!

 

Darin Stubbs

Branch Manager

United First Financial

www.cutmyinterestnow.com