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What Is UFF - United First Financial?
United First Financial (UFF) is the brainchild of mortgage specialists Skyler Witman and John Washenko. Already successful in the mortgage industry, Skyler and John began to look at how mortgages function in other countries.
They saw homeowners in Australia and Europe who were paying off their homes in a fraction of the time it takes a typical American to pay off their mortgage - up to 30 years! Like all creative thinkers, Skyler and John went to work creating a system to run 24/7 with a complex software system that they called the Money Merge Account.
What they created was a system of money application that made it possible for many American homebuyer to become a homeowner in one-third to one-half of the time by reducing principal and canceling interest payments.
Why didn't the banks think of this? Why would they? Banks make more money by letting you sweat it out paying twice the cost of your home in interest. Because United First Financial isn't a traditional bank, it's a different approach to financial management.
Even before you sign up for a Money Merge Account, you receive a free financial analysis to make certain that this is right for you.
The Money Merge Account works for you. Whether you have a conventional fixed rate mortgage, adjustable rate mortgage or interest only mortgage, the Money Merge Account can help you pay it off early and start to accumulate wealth.
That's the United First Financial pledge to you - homeownership in a fraction of the time without giving up the lifestyle you choose.
Pay Off Your Mortgage Early with a Money Merge Account!
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Pay Off Your Mortgage Early with a Money Merge Account!
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"How can I merge my money? I have nothing left at the end of the month, I'll never get ahead!" If that sounds like you, then you're absolutely right. As long as you keep using the same money application approaches over and over again, you will have a...
Why Not Just Generate Equity Slowly, Over Time?

Anyone can pay off a mortgage if they just add more to the principal, right? Technically it is correct, but in reality it doesn't work well. The bank wants to keep you in debt to them, paying that mortgage for 30 years.
You'll pay almost 15 years before you even make a serious dent in the principal. Mortgage interest is stacked heavily in the early years. Since many families only live 5-7 years in a house before moving to another home, it's an endless cycle of interest payments without generating equity.
Are you ready to get off that treadmill of debt? The
United First Financial Money Merge Account is the easiest way to grow equity while pruning interest payments.
See what our clients are saying about The Money Merge Account.
I Am A Visual Person...Can You Show Me How Generating Equity Work?
If you had a $137,000 mortgage, would you rather pay $45, 000 in interest over 12 years or $134,000 in interest over the full 30

That sounds like a foolish question, yet that's exactly what most homebuyers sign up to do. No wonder it's so hard to generate equity over time. Why not pay off the mortgage early and use that money to make more money?
You'll have equity that rises with the property value plus money available for the finer things in life like a trip around the world, a vacation home on the beach and the dream wedding worthy of a princess for your daughter.
Sure you can wait to let equity build over 30 years and support the bank. Or you can decide how to use your money. What's your choice? Let
United First Financial help you generate equity the quick and easy way.
Build Your Assets and Reduce Mortgage Interest with the Money Merge Account
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Build Your Assets and Reduce Mortgage Interest with Money Merge Account
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The Money Merge Account is a financial break-through designed by Skyler Witman and John Washenko. These forward thinkers took what they knew about the mortgage business and elevated it to another level with the flexible Money Merge Account.
But they...
How Does the Money Merge Account Work Without Increasing My Monthly Out of Pocket Expenses?

It's another New Year's resolution - save more each month to pay for special things. Before you blink, it's June and you're taking the family to camp at a state park instead of the vacation cruise to Alaska.
You tried to save money each month, but it just didn't happen. Now you feel like there's absolutely no way to get ahead without living under a bridge, eating beans and saving every penny for several years.
You don't have to give up your family's lifestyle or your dream vacation just to afford a roof over your head and the monthly expenses. The
United First Financial Money Merge Account is the answer to making your New Year's resolution a reality without any sacrifices in the way your family lives.
By applying complex financial formulas daily, the Money Merge Account makes the most of the money you have in balancing the mortgage, Advanced Line of Credit (ALOC) utilizes stagnant money that sits around in your checking or savings accounts.
Reducing your mortgage principal with the Money Merge Account

The Money Merge Account is driven with the goal to reduce your mortgage principal, eliminate strangling interest payments and get you into a position for wealth accumulation.
All of this happens automatically. You don't have to move money, no need to stress watching financial trends or guess the market direction. Best of all, you're securing your family's future with early mortgage payments.
At the same time, you don't have to pinch pennies, take your children out of sports activities or boycott the mall - all thanks to your new
Money Merge Account by United First Financial.
Save Interest with United First Financial and the Money Merge Account
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Save Interest with United First Financial and the Money Merge Account
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You might pay off your mortgage early if you a) win the lottery, b) inherit big from a long, lost relative or c) make an informed choice to work with the United First Financial Money Merge Account.
Let's review - your chances of winning the lottery...
What Ways Do You Generate Equity in Your Home?
If you would like to leave a comment for me or some advice you want to add to this lens, feel free!
Janet White United First Financial Independent Agent #832705
Contact: Janetwhite9@comcast.net
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