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United First Financial is a company who’s mission is to help people in the U.S. and Canada pay off their debt without changing their lifestyle with the Money Merge Account system (MMA).  I’ve been using the MMA now for almost 2 years with amazing results.   I didn’t have to refinance, I still make the same mortgage payment to my mortgage company, and I have not had to “scrimp and save” to make a huge dent in what I owed in principal interest.  I started with a mortgage debt of 26.5 years in August 2008 and as of June 2010 I have have 7 years left until all of my debt is paid off.

I so believe in this product and what it can do to help people that besides being a client of United First Financial I ended up becoming an agent. My passion is to help people to become debt free.  For more information visit my website where you can contact me for a FREE, no obligation analysis to see if you qualify for the Money Merge Account program.

Check it out now, don’t delay.   It costs the average person $20 a day if they wait to make the decision to become a United First Financial client and to start using the Money Merge Account system.

If you want to help others reach their financial goals and make a good income doing it, you should consider becoming a United First Financial agent.

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I want to recap what I covered in “My Journey to Financial Freedom Part 4” where I told you about how we had trouble with the bank where we had our home equity line of credit (heloc) from the very beginning.

To reiterate when we signed for the heloc loan all of the paperwork was accurate, but when the heloc was funded, and we received a copy of the loan papers with my husband’s name on them and a stranger’s name. My name was not even on our loan.  We didn’t have a clue who this woman was nor did the bank and to make matters worse it took a long time before we could get her name taken off our heloc account. Because of this error we had never made an advance from our heloc account until we became clients of United First Financial and started using the Money Merge Account.

In spite of the problems with our bank, our experiences with the Money Merge Account system were well beyond expectations.  Over a period of six months from August 2008 until February 2009 our average interest payment on our heloc loan $39.00 a month.

Each month when we receive our income we would deposit it into our Read the rest of this entry

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How to Pay Off Debt without Changing Your Household Budget

In August 2008 we became clients of United First Financial.  To utilize the heloc properly with the Money Merge Account we need to retain a balance on the loan so that we can deposit our income into it. Each month when our income is received we put it into the heloc account.  We determine when it is the best time to pay the bills and then withdraw the money from the heloc to do so.  By letting our income stay in the heloc account for as long as possible the daily balance on the loan varies which keeps the amount of interest owed at a lower amount.

Our first withdrawal from our home equity line of credit (heloc) was $3500.  This money was pulled to purchase the Money Merge Account.

Since our heloc is an open ended loan, the interest amount is determined by the average daily balance of the loan so the total interest we were charged for the first month was $1.72.

The first prompting we received from the Money Merge Account software was to withdraw $9,200 from our heloc. We had two second mortgages on our rental properties so we were advised to pay off the one with the highest interest rate.  The second month our heloc interest was $15.58.

One of the things that happen with rental properties is Read the rest of this entry

Watch how the Money Merge Account is helping one man invest in his children

In August 2007 my husband and I applied for a home equity line of credit (heloc) because we were looking to invest in more rental properties.  We decided to use one of our current rental properties as collateral for the heloc.  At that time the property was estimated at $450,000 with a mortgage of $149,000.  The loan officer recommended that we request the maximum line of credit amount of $195,000.  We had only planned to use around $80,000 max in our investment quest but based on his suggestion we went for the larger loan amount which proved to be a mistake later on.

The bank where our heloc was established was a problem from the beginning.  When we signed all of the paperwork for the loan everything was in order.  All of our information was accurate including my husband’s and my name.  We signed the notarized papers and the loan amount was authorized.  When the money was funded, a copy of the loan documents were sent to us and instead of my husband’s and my name on the loan there was an unknown woman’s name in place of mine on our loan.  Not only had we never heard of this woman’s name, but the bank seemed baffled as to how her information got on our loan documents.  We went around and around with the bank for a number of months before we were successful in having her name removed from our account.  Due to the mess we had experienced with this heloc, we allowed it to sit for a year without use.

Because we had a heloc with a zero balance Read the rest of this entry

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Pay Off Date of Our 26.5 Year Mortgage: 16.3 Years

In August 2008 my husband and I contacted a United First Financial agent and requested an analysis to see if we qualified for the Money Merge Account system.  Our agent was very conservative when he put our financial information into the program.  In our estimation we surmised that at the end of the month on average we had approximately $150 left over.  This amount became the discretionary income that was put in the report.

Our financial information is quite a bit different than the norm because since 1992 we have invested in rental property and since that time had acquired several properties in three different states.  With those properties and our home mortgage we had a total of 7 first mortgages and 2 second mortgages.  We also had a zero balance heloc that we had gotten in case the opportunity arose to purchase additional investment properties.  Besides those home mortgages, we had a car loan.

Our mortgages were scheduled to be paid off in 26.5 years and amounted to $489,869 in debt.  As most of you know the total debt amount that you normally pay on a mortgage is around twice the cost of the loan.  Ours was no different because we still owed $479,869 in interest even though we had been paying on these loans for three and a half years. The total amount of debt liability we would be paying on these mortgages was $969,738.

When my husband and I got a copy of the results of our United First Financial Money Merge Account analysis Read the rest of this entry

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Going Green Does Not Need to Hinder Your Ability to Become Debt Free

It was in February 2008 when my husband and I first learned about United First Financial® and the Money Merge Account™ program.  Our financial planner called and was all excited about a service he had come across that could helps us become debt free very quickly.  We met with him and he told us about United First Financial and all the success they were having helping homeowners achieve financial freedom with the Money Merge Account service.

He demonstrated the software and we found it to be very impressive in its ability to help eliminate debt. Because it was so new to us, we really didn’t understand the whole concept of what the Money Merge Account system could do and it seemed like the $3500 cost was a lot to spend on something that we weren’t sure would work.  Our financial planner showed us how the software program would pay for itself within a few months,  but we felt at that time it wasn’t right for us.  We continued on with our everyday normal lives, not making a dent in our goal to eliminate debt and have financial freedom.

In June we heard an ad on the radio about a company that sold homeowners solar electricity via a lease program that would literally pay for itself within 10 years.  Instead of giving your monthly electricity payment to PG&E (our electric company) the money instead would go towards the lease purchase of the solar electric and your regular electric bills would be greatly reduced. In addition there were energy tax incentives and tax credits from our city, our state and the federal governments to entice us to convert to solar electricity.

My husband and I decide that we wanted to explore Read the rest of this entry