FAQ

Q. What is the Money Merge Account program?

A. The Money Merge Account program is an online account system that incorporates your checking and savings accounts with an advanced line of credit, or ALOC. Through this program, homeowners have the ability to pay off their 30- year mortgage in as little as one-third of the time, without refinancing their existing mortgage loan or increasing minimum monthly payments.

If you’d like to speak with someone about whether the Money Merge Account system is right for you, either click on ‘Get Out of Debt’ or call (704) 400-8395.

Q. Should I move money from my regular savings account over to my Money Merge Account program?

A. While it may make sense mathematically, we’re not licensed financial advisors so we can’t really say what’s best for you.  We do certainly recommend consulting with a licensed financial advisor in reference to the transfer of funds between accounts.

In moving money from a savings account into your Money Merge Account program, it’s entirely possible to decrease the loan balance on which interest accrues, thus decreasing even further the amount of time remaining to pay off your mortgage. If you need access to money you could always draw out funds through your line of credit.

Now, keep in mind that it definitely makes financial sense to keep some money in a savings and/or similar account that is different than your line of credit. This other source of funds enables you to have access to funds if should you ever need them, outside the use of your line of credit of course.

The amount of available cash you choose to maintain outside your line of credit is something you would definitely want to discuss with your licensed financial planner and is really dependent upon your personal financial needs.

Again, we always advise that you seek the advice and direction of a licensed financial planner.

Q. Can’t I just do all this on my own?

A. In short, ABSOLUTELY!  As a matter of fact, you’ll read on many websites and forums saying the Money Merge Account system is a scam and a total waste of money because of the simple fact you could do it all on your own.  If that’s the case though, why aren’t you already doing it?

You see, the Money Merge Account system is in reality a complex financial tool, designed specifically to take into account ALL the financial variables of your individual life.  This complex, yet easy to use system keep track of all your critical financial data, including income and expenses, increases or decreases in cash flow, unusual fluctuations in your spending patterns, and even large purchases such as cars, college tuition, home remodels, etc.

This revolutionary system takes all of these variables into account, right down to the penny,   and then calculates in real-time the most efficient way possible for you to pay off ALL your debts.  The Money Merge Account program takes into account your real life situations and then tells you exactly how to get out of debt the quickest way possible.

In a nutshell, it’s like a super-smart financial planner that crunches all the variables involved in your financial situation, making calculations and adjustments on the fly, and then tells you what to pay, when to pay it, and exactly how much to pay.

It really couldn’t be any easier!

Q. Do I make monthly payments on my line of credit?

A. Yes, but not in the way probably think you would. You see, with the Money Merge Account system you’ll use your line of credit much like you would your primary checking account.  Your paychecks will be applied directly to your line of credit and all of your monthly bills will be paid from the account.

By repositioning your income against your line of credit, the line of credit lender will credit the monthly payment requirement and lower your daily average balance, thus reducing interest charges.

Any money that you doesn’t go towards paying your bills and that would normally by “sitting stagnant” in a regular checking or savings account, would remain against the balance of your line of credit until it’s actually needed, thus reducing interest charges. When you need the money you should be able to access it through your line of credit.

Q. How can the Money Merge Account system help homeowners pay off their mortgage early with little or no change to their lifestyle and without increasing the required monthly payments?

A. The Money Merge Account system is a sophisticated financial management program designed to work around your existing lifestyle. It helps provide you with all the tools, service and education on how to reduce not only the interest owed on your mortgage, but also the time it takes to pay off your existing mortgage by.

The Money Merge Account program does this by repositioning your money that would normally be sitting around in an account doing nothing along with your regular monthly expense money and applies them against your outstanding loan balance until it is otherwise needed. When money is needed for expenses, it can be accessed through the line of credit set up to work with the Money Merge Account program.

This system will help you strategically position your money to the financial leverage points where it will provide considerably more financial benefit than simply “sitting stagnant” in a standard checking or savings account.

Because your regular expense money and the money you would normally leave in your account is strategically repositioned against the balance on the line of credit until it is otherwise needed, you are in reality reducing the time and interest owed on your debts (mortgage, credit cards, student loans, auto loans, etc.) without requiring you to change your lifestyle.

Because of how the Money Merge Account program works, you can put your idle money and expense money to help reduce interest charges on their line of credit until it is otherwise needed, without increasing their minimum required monthly payment.

Intricate financial details programmed into the Money Merge Account software will also help  educate you on smarter money management and show you how to achieve the greatest time and interest savings possible.

Q. Why do I need to apply for a line of credit and how does it work with other bank accounts?

A. The Money Merge Account program uses a line of credit simply as a tool to drive the program. It is coordinated through an Internet based software created by United First Financial that works independently of any bank account you might have.

The equity line of credit you have must be able to operate as a primary checking account and be set up with an open-end interest calculation rather than a closed-end interest calculation. This account, combined with the Money Merge Account program, creates a system where the money in your line of credit account generates an interest cancellation on your primary mortgage.  The unused money that would normally sit “stagnant” in a checking or savings account generates an interest cancellation on your line of credit until otherwise needed.

Q. Do I have to change banks to make the Money Merge Account program work?

A. No, it’s not. However, it may be to your advantage depending on your circumstances.

If you do decide to change banks, your independent United First Financial agent can provide you a list of preferred lenders that have already been shown to provide excellent services in support of the Money Merge Account program.

Q. Does the Money Merge Account system make my payments for me?

A. No. Neither United First Financial nor the Money Merge Account system have access to your financial accounts. You have complete control of all your bank accounts and control all transactions by simply following the prompts given you in your Money Merge Account program. You are in complete control of your money and you make all decisions.

Q. Does United First Financial or the Money Merge Account system have access to or control of my money?

A. No. Again, you are the only person with access to your accounts and you are in complete control of your money.  United First Financial has simply provided a powerful tool, the Money Merge Account program,  that will allow you to quickly pay off ALL your debt, including your home or business mortgages, in ½ to 1/3 the time.

Q. Do I have to pay interest on the line of credit when using the Money Merge Account system?

A. While there is interest charged on the line of credit, because your income is repositioned against your line of credit at different intervals, the lender adjusts the amount of interest they can charge you by offsetting the average loan balance. As a result, the charged interest is lessened considerably.

Q. Why do most banks and lenders not offer this type of program for reducing my debt?

A. Plain and simple, banks are in the business of making money.  They do this by charging you interest and the longer you’re in debt, the longer they can make money off of you.

The Money Merge Account system simply uses the banks own principles to your advantage. The program provides you with the tools and education necessary to put your money to better use, allowing you to reduce the amount of interest you pay instead of allowing your lender to use your money for their financial gain.

Q. Would it be possible to contact past or current clients of the Money Merge Account system in order to hear about their experiences with the program?

A. Unfortunately, because of privacy laws, United First Financial isn’t able to provide personal contact information for any of their past or current clients.

However, you can find numerous testimonials from actual clients using the Money Merge Account program on the United First Financial Web site.  You’re also welcome to research the company through the Better Business Bureau Web site at www.bbb.org.

Q. What happens if I sell my home?

A. The Money Merge Account program works with your mortgage until it is completely paid off. If you sell your home and purchase another residence, you will be able to put the Money Merge Account program back into action on your new residence.

Also, all the equity built into your mortgage account, as well as any equity built up as a result of market appreciation, will provide you with a larger down payment for your next purchase!

Q. Is there any risk involved with the Money Merge Account system?

A. It would be foolish for us to say there isn’t some risk.  After all, simply waking up in the morning and walking out your front door involves risk.  However, from a financial standpoint, there is very little risk involved with the Money Merge Account program.

If your numbers remain the same, United First Financial guarantees the results provided on your “Final Analysis” at the outset of the program. Only homeowners who qualify to significantly reduce their mortgage payoff time and interest, however, will be activated on the Money Merge Account program.

Please note, this program DOES NOT release you from your obligation to make regular monthly loan payments, as outlined in your loan documents. And remember, even though this program is right for the majority of all debt holders, it’s NOT right for everyone.

Schedule a FREE MMA analysis today to see how much money the program can save you.

Q. How do I qualify for the Money Merge Account program?

A. Fortunately, the qualification process is fairly simple.

You start by simply completing a brief questionnaire when applying for the Money Merge Account program. Fortunately, there are several avenues that can be taken to gain approval or tailor the program to work for your specific situation.

But again, the Money Merge Account program is not for everyone!

The best way to find out if it’s right for you is to contact one of the Fiscal Freedom Fighters and have them complete your FREE Money Merge Account Analysis.

Q. Will I need to refinance my existing mortgage to make this work?

A. Absolutely not! While you may choose to refinance your mortgage to take advantage of lower interest rates, it’s certainly not necessary to do so.  Your Money Merge Account program will work just fine with whatever your current interest rate is, and if it happens to be higher than what you’d like, the Money Merge Account program will help you eliminate the hassle even faster!

Now, if you don’t currently have an open ended line of credit you can use with the Money Merge Account program, one will need to be opened.

Q. Will the Money Merge Account program work with non-standard loans like an interest-only mortgage or negative amortization mortgage?

A. With the recent turmoil in the US financial markets, these types of loans are not seen as frequently as before.  However, if you do have one of these types of mortgages, the Money Merge Account system can still work as long as the homeowners’ information qualifies.

The Money Merge Account program helps qualified homeowners gain control of these types of loans with much greater financial understanding.

Q. Is the Money Merge Account program right for everyone?

A. Just as some people prefer Pepsi™ and others prefer Coke™, nothing’s right for every person. The Money Merge Account program provides homeowners the tools, education, convenience and guidance to help pay off their home mortgage faster. This program will also help eliminate ALL of a homeowners debts, including car loans, credit cards, boat loans, student loans, or any other type of debt you might have.

Q. Does United First Financial provide investment, mortgage, real estate or financial advice?

A. Nope. United First Financial does not provide investment, mortgage, real estate or financial advice and we strongly recommend you consult with your personal advisor before making any decisions regarding investments, mortgages, real estate, or other financial matters.

Q. Does the Money Merge Account program create money in addition to my regular income to help pay down debt?

A. I’m sure you heard your parents say, “money doesn’t grow on trees”.  Well, they’re right.  Even though the Money Merge Account system does help you get out of debt in record time, it doesn’t create money “out of thin air.” It’s a proven program that uses the banks own principles and financial strategies to assist homeowners in saving tons of interest and paying off debt at an incredible rate.

The Money Merge Account program helps homeowners reduce the interest owed and time left on their existing mortgage by repositioning their ‘idle money’, which would normally sit in an account with their regular monthly expense money until it is otherwise needed to pay expenses. When the money is needed to pay expenses, it can be accessed through their line of credit.

The Money Merge Account program helps maximize the interest savings in real time by recalculating the repositioning of funds on a daily basis to maximize the efficiency of the debt pay off.

Q. Is the Money Merge Account program the only option available to help me pay off my mortgage early?

A. The short answer is no.  There are numerous options available to help you pay off your mortgage early. However, many users of the Money Merge Account program have stated that this is one of the best ways they have seen to pay off their mortgage early while at the same time, gain a much more thorough understanding of how money works and the ways the banks use basic financial principles to make money off of your money.

Q. What if I get paid on a schedule other than just monthly?  Will the Money Merge Account program still work if I get paid on a monthly, semi-monthly, weekly or bi-weekly basis?

A. It doesn’t matter what your pay schedule is as monthly, semi-monthly, weekly and bi-weekly pay schedules are taken into account by the Money Merge Account program.   takes different pay schedules into account to operate at maximum efficiency. Whether you are paid 12, 24, 26 or 52 times a year, this program takes your specific pay schedule into account and ensures maximum efficiency with your debt payoff schedule.

This flexibility enables you to maximize your potential interest savings under this concept while at the same time maintaining complete and total control over your money and financial decisions.

Q. Will the Money Merge Account program fix my financial problems?

A. Sorry to say, but there is no magic track or secret loan that will fix all of your financial problems. The Money Merge Account program is not a cure, it’s simply a tool.

The program assists qualified homeowners pay down their debt at an accelerated pace IF they properly use the Money Merge Account program and service the way it’s intended to be used.

Q. If I spend more money than I make, will the Money Merge Account program still work for me?

A. Unless you’ve figured out a way to create money out of thin air, the Money Merge Account program won’t work for you. For this program to work you’ve got to have more money coming in each month than what goes out in expenses.  If you don’t make more than you spend, this probably isn’t the right option for you.

Q. Should I stop putting money into my investment accounts, other investments I have, or transfer money from another account into my Money Merge Account program?

A. Again, the Fiscal Freedom Fighters and United First Financial doesn’t provide financial or investment advice. We strongly recommend you consult your licensed financial planner about any investment decisions you’re considering.

Q. How important is customer support to ensure I’ve properly implemented the Money Merge Account program? If it is important, what kind of customer support does United First Financial provide?

A. As with any program like this, customer education and support is critical to ensure you gain the greatest amount of value from the Money Merge Account program. While the program software is very user friendly, United First Financial provides lifetime customer support with each new program activation.  It’s extremely helpful in achieving the greatest time and interest savings possible.

There are many interest-saving features built into the Money Merge Account program and the customer support personnel at United First Financial are highly trained and are able to provide their clients with the greatest possible education and instruction to help maximize the benefits of the Money Merge Account program.

Q. I don’t understand how a higher interest line of credit can help me pay off my lower interest first mortgage? Could you provide more information on how the Money Merge Account program works?

A. When repaying a mortgage, the most important factor is not the rate you pay, it’s the total amount of interest you pay over the life of the loan.

The Money Merge Account program uses your associated line of credit, a HELOC or other open ended credit line such as a credit card, to reduce the balance owed on your debts by repositioning your regular income and unused “idle” money normally left just sitting in your regular checking and/or savings account to reduce the balances owed on your debt.

By repositioning your regular income and unused “stagnant” money normally left sitting in a typical checking or savings account, you are able to keep your line of credit balance as low as possible, significantly reducing the interest charged on your line of credit. This means more of your regular payments go towards the principal balance each month, helping you pay off your debt ahead of the typical payoff schedule.

The Money Merge Account program, which includes an online software system and customer service component, provides specific guidance as to the exact transfer amounts and timing needed to provide each debt holder with the maximum interest savings possible.

“Optimum interest savings” under this system is a delicate balance between your debt (including your home mortgage, credit cards, student loans, any business debts, etc.), your line of credit, your income, expenses, transfers, etc. If you transfer too much money to pay off a particular debt, your mortgage for example, it can cost you more interest on your line of credit. If you transfer too little, it can cost you “lost” interest savings on your debt payoff.

This powerful system helps you reduce both the interest you’ll pay and the time it takes to pay off ALL your debts by strategically positioning your money to where it can provide the biggest financial benefit instead of simply “sitting stagnant” in a standard checking or savings account.

Also, unspent “idle” money left against the balance of your debt that would normally be left in a checking or savings account is now working for you 24 hours a day without requiring any change in your lifestyle.

At the same time, when you need money for expenses, you can access it through your line of credit. Intricate financial features and details are programmed into the Money Merge Account program to help you better understand how to make your money work for you and it assists in providing the greatest time and interest savings possible.

Q. So, what’s the secret behind the Money Merge Account program?

A. There is absolutely no magic trick or secret money management system to the Money Merge Account program.  Again, there’s absolutely NOTHING that can help you eliminate your debt other than sound financial management and a disciplined approach.

What the Money Merge Account system does is help you achieve phenomenal savings in both amount of interest paid and time to debt payoff as a result of  strategically and incrementally repositioning your unused money that would normally be sitting idle in a standard checking or savings account.  This money is simply used against the principal balances owed on your debts in a way that maximizes the payoff potential.

Because much of the savings of this program comes from repositioning your unused money that would normally be left sitting in a standard checking or savings account, there is little to no lifestyle changes required.

At the same time, many of the educational features built into the Money Merge Account software will help you to better see the cause and effect of the money you both spend and don’t spend.

Q. Should I keep a reserve amount of cash available in a savings account that’s separate from my line of credit?

A. It does make good financial sense to keep a savings amount in a savings and/or similar account that is separate from your line of credit. This will enable you to have access to emergency funds should you ever need them, outside the use of your line of credit.

Again, the amount you choose to hold in this separate savings account should be a matter of discussion between you and your licensed financial planner and is largely dependent on your personal financial needs.

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United First Financial®, its Independent Agents and subsidiaries provide web-based software and support services. United First Financial DOES NOT provide accounting, tax, legal, real estate, mortgage or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in these areas for advice relating to those matters.

United First Financial is NOT liable or responsible for any claims or representations made by any party and which are not included in the Money Merge Account® Limited Guarantee.

Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your United First Financial independent agent for further details.

Provided by an Independent Agents of United First Financial: Independent Agents #925103