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

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 16^th!!

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

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 16^th!!

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

Hi, my name is Gina Luke Hubbard, and I am here to tell you a little about myself. I am 40 years old; I have 4 children, 4 stepchildren, and 4 grandchildren. I have been a Real Estate Agent for 10 years and a Broker with Keller Williams for a year and a half now.  

As a Realtor, someone who always deals with transactions, I always thought that there had to be a way to be able to pay off your mortgage in a shorter time frame than the usual 30 year fixed loan that is “packed” with interest! 

A few years ago, I was able to purchase a brand new home for myself. I was so excited that after being married for 20 years, and then recently divorced, that I had worked so hard and was finally at the point where I was able to show something for all my hard work! After a couple of months of making the mortgage payments, the excitement was still there and I was very fortunate to have my lovely home, but the thought of 30 years of making payments every month at the price that our Moms and Dads could not even imagine, was very.., well.., let’s just say not a pretty picture! After a few years, I finally found what everyone in America was looking for!

                                                     UNITED FIRST FINANCIAL

I live in a little town outside Park City, Utah, which is a very busy ski area and hot spot for summer golfers and people who just want to live a life of healthy mountain living. A friend of mine who is a mortgage broker called me and said “Gina, you’ve got to check this out, you won’t believe it…”, and I still can’t believe it! Phil told me about this program, the Money Merge Account System that could help me cut my interest virtually in half the time from a company called United First Financial or UFIRSTas it is called. I didn’t really have time to listen to it, but he insisted that I make time, along with my husband Danny, to sit through a presentation given by a friend of his named Darin Stubbs.

We finally made time.  Darin came down and met with us at my office. We were floored at learning the simple way to save thousands, no.., hundreds of thousands of dollars on my mortgage by eliminating a huge portion of the interest! AMAZING!!! All we could say was, “why hasn’t anyone ever thought of this before?” Darin had that answer as well… “They have actually; in New Zealand and Australia they’ve been doing this for nearly 20 years”.

We could not wait till we could sign up and start saving money right away, but more than that, we were so excited to share this amazing, wonderful program with our friends and loved ones so they too can save their hard earned money, and pay off their mortgage off in as little as 1/3 to ½ the time like us! The benefits to this program are never ending, as you will get to know. So jump on board and learn for yourself about a “life changing” experience called UFIRST and the Money Merge Account! Find out what the Money Merge Account system can do for you, your family, and your wonderful friends and around the country.

Regards,

Gina Luke Hubbard

Associate Broker

Keller Williams Park City

www.u1stfinancial.net/thegroup

I received this letter from Gina Recently and had to post it here on my blog. She is wonderful, sharp business women… and a lot of fun to work with!! We have been assisting a number of her clients, and business contacts with this amazing program for a few months now and things have just taken off for Gina and her team!!

Get started… don’t wait… This company, United First Financial, has been on the cover of 8 magazines in the last 15 months!! Banker Broker, Mortgage Planner (3 times), Wealth Advisors, Personal Real Estate Investor, Utah Magazine, and the February 2009 cover story of Success From Home!!

Find out why Realtors and their entire agency are adding program to their product offerings. Mortgage Brokers, Financial advisers, Insurance agents, Realtors, title officers, accountants, and other sales professionals are using this program to help tens of thousands of customers.  Learn how interest cancellation, mortgage acceleration, and strategic payoff can help you be debt free.   Click here for more information on how you can become an authorized agent of United First Financials’ Money Merge Account system.

Darin Stubbs

Branch Manager

www.cutmyinterestnow.com

darin@cutmyinterestnow.com

WASHINGTON — President Barack Obama next Wednesday will roll out a plan to attack the trigger of the current global financial crisis — rising U.S. mortgage delinquency and foreclosure rates.

However, he’ll be trying to fix one problem as another perhaps larger one is unfolding.

Obama will unveil in Phoenix how he’ll spend some $50 billion, carved out of the Wall Street bailout money passed in October, to help reverse the soaring number of mortgage delinquencies and defaults.

In light of Obama’s pending plan, three major banks announced on Friday that they would suspend foreclosures indefinitely while the government develops its plan. The banks are Bank of America, Citigroup and J.P. Morgan Chase.

Because the foreclosure problem was allowed to fester so long, home prices nearly everywhere in the nation have fallen. Millions of homes now are worth less than their mortgages, making it impossible for many homeowners to refinance even with today’s low mortgage rates.

A trial balloon floated this week suggests that Obama will follow the suggestions of Federal Deposit Insurance Corp. Chairman Sheila Bair, who thinks that banks must take some losses and get owners of distressed mortgages into a monthly mortgage payment that amounts to somewhere from 31 percent to 38 percent of their monthly after-tax income.

Bair proposed this idea, carrying it out in instances where her agency seized failing banks and could rework loans on their books. She was opposed, however, by then-Treasury Secretary Henry Paulson and others in the Bush administration who wanted to keep the focus on problems in credit markets.

Consequently, the new foreclosure-relief plan by new Treasury Secretary Timothy Geithner comes late in the game and in a deteriorating environment. Since 2006, when the scope of the housing problem first became apparent, more than 1 million homes have been foreclosed. Some estimates suggest that number could increase to 6 million by 2013.

Even as Obama tries to halt the foreclosures, the deepening recession layers on new problems. Beyond the shoddy subprime mortgages given to the weakest borrowers, the default rate is climbing for borrowers who’d been in good standing as they join the ranks of the more than 3.6 million Americans who’ve lost their jobs since the recession began in December 2007.

When Congress began looking seriously at the housing issue in 2006, there was strong opposition, particularly among Republicans, to using taxpayer money to rescue homeowners who made bad choices. That philosophical opposition, however, allowed a regional problem in states such as California and Florida to spread nationwide, reducing home prices across the board.

“I think the macroeconomic effects of this are now so clear (that) there is more support for government intervention,” said Rep. Barney Frank, D-Mass., the chairman of the House Financial Services Committee. “This is not going to get resolved unless there is some public money.”

Speaking to a small group of reporters Friday, Frank said the Obama administration will put forth a plan that involves shared burdens on banks, borrowers and the government. The federal government won’t seek to buy up distressed mortgages; instead, it will contribute towered lowering the mortgage burden.

“There will be federal money used now to buy down the mortgages somewhat,” said Frank.

White House Press Secretary Robert Gibbs cautioned Friday against expecting the housing plan to be a panacea.

“I will tell you that the plan that the president and his team are working on is not . . . intended to be measured by one day’s market scorekeeping, but instead to ensure that the 10,000 Americans each day that have their homes foreclosed on and the millions more that are barely getting by are protected,” he said.

Pressure is mounting on banks to do more to prevent foreclosures. Banks have championed voluntary efforts, and often cite numbers of modified mortgages. They seldom distinguish, however, between whether they simply let a homeowner make a late payment versus converting an adjustable-rate mortgage into a fixed-rate mortgage with a lower monthly payment.

So far, voluntary programs have had no significant impact.

Two government programs give incentives to lenders to take a loss and pass the newly refinanced mortgage into FHA or Fannie and Freddie, but neither has received much support or interest from lenders.

“Anything that’s voluntary that requires a haircut (loss by lenders) is having no effect,” said Rick Sharga, a senior vice president of RealtyTrac in Irvine, Calif., who thinks banks had been playing for time but now will have to take big hits on their books to rework mortgages and prevent foreclosures.

Foreclosures were up 81 percent nationwide last year, with more than 3.1 million foreclosure filings. They’re up 225 percent since 2006 — the final year of the boom before things began to unravel — according to RealtyTrac.

In addition, the median home price has tumbled nationwide. It stood at just over $180,000 in the last three months of 2008, versus $205,000 in the year-earlier period, according to the National Association of Realtors. For all of 2006, the final boom year, median home prices neared $222,000.

As home prices fall, more homeowners go underwater, meaning they own homes worth less than their mortgages. Harvard University economist Martin Feldstein estimates that 12 million American homeowners now have negative equity in their homes — a number that translates into roughly one in five homes.

If home prices slide another 10 percent, it would take many homeowners 10 years or more, by historical rates of return, to just to break even on the home they own. That’s a decade or more before they ever earn a cent of equity.

“I think you have to get some cooperation between the creditors and government to write those mortgages down to something equal or close to the current value of the property itself,” Feldstein said in an interview Wednesday on CNBC. “Otherwise, individuals are going to have an incentive to walk away” from their homes.

If Feldstein is right, it will cost a lot more than $50 billion to fix America’s housing crisis.

This article goes to the heart of how the TARP money will actually make it into the hands of Americans!! Combine this with the power of the Money Merge Account system, interest cancellation, mortgage acceleration and strategic payoff and all of us will be better, wiser and live life with less stress!!

To find out more and for a Free Analysis click Here.

Darin Stubbs, Branch Manager

www.cutmyinterestnow.com

“It’s made a huge difference in our life.  We started four years ago with an $88,00.00 mortgage with 21 years left to pay .  Using the Software , We’ll own our home in February 2010!”  Gina Francsis

“In a year and a half, my mortgage has been paid down to $50,000.00.  It’s so much fun to see how much my equity has gone up from one month to the next.  I actually look forward to receiving my mortgage statements in the mail, which is just preposterous.”  Nancy Goldstein

“The Software shoes you at a glance exactly where you are financially and and how to get where you want to be.  For us, that’s completely debt free.”  Jeremy and Angela Fobes

“I started the program about about three years ago.   My principal balance when I started was bout $200,000.00, and not it’s only  $70,000.00!! The results I’ve received have been outstanding.”  Chris Corbat

“We Started with a mortgage of $129,452, and today it’s $66,291 after using the Money Merge Account system for three years.  It’s amazing to see how it reduces our Principal balance and manages our budget in  ways we never could on our own.”   Ben Hawkins

“Without the system, we’d only paid down our mortgage principal about $2000.00 in two years.   With the Money Merge Account System, we’ve paid down more than $20,000.00 in two years!  What’s amazing is that our standard of living has not changed.”  Curtis and Jennifer Zachman

Imagine… Freedom From Debt

The Money Merge Acccount system is a powerful tool that teaches individuals the basics of good economic principals.  “People are beginning to realize they can no longer live off their home equity or cred it cards.  “They need to get into a more stable financial situation, and this product will help individuals achieve that goal.”  “We’re not just selling a piece of software, we’re making a difference in people’s lives.” Skyler Whitman, UFirst co-founder. 

Freedom from debt is a freedom few people fully understand. If people could just feel what it’s like to be debt free, a for a day or two, they would not want to live with debt.  The pressure and stress that debt creates are unbelievable.  With the Money Merge Account, from United First Financial, and the support we provide those burdens can be alleviated by showing people a better way.

Visit www.cutmyinterestnow.com for a free analysis  to see how this amazing technology can benefit you and your family. I hope you have enjoyed these testimonials of the Money Merge Account

Darin Stubbs, Branch Manager

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

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!!

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

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.