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When interest rates rise, homeowners with adjustable rate mortgages start to panic. The bank's only answer is to refinance, which is going to cost more fees to mortgage the same property.
If the same kind of shake down happened on the playground, we would call it bullying. But instead, we call it banking.
United First Financial calls it "unacceptable" and offers a better and safer way to mortgage your home.
With United First Financial Money Merge Account (MMA), you can pay down principal and actually reduce the interest owed immediately. That's unheard of with banks. Plus, you can do this several times a month.
You take control of the MMA so that any time you pay in extra money, the principal reduces immediately, which results in lower interest payments over the term of the loan. Banks like to be in control so you are at their mercy.
United First Financial wants you to be in control as they work as your financial partner. When you win, United First Financial wins. MMA is an online financial service so you have easy access to your account information 24/7.
How Do Mortgage Acceleration Programs Benefit Consumers?
First time homebuyers are used to signing a 30-year mortgage note and just accepting this huge financial burden for decades. They don't complain - they just sign on the dotted line. Why? They sign because that's what American consumers have done for gen...
You are socially programmed to be ripped off by your bank and never complain. Paying double the price of a home in interest is just what we accept as "normal."
No, you don't have to refinance and pay extra fees - that's the bank way. The Money Merge Account method is to teach you how to use an open end loan with accelerating payoff and lower costs.
How Can You Pay Down Your Mortgage Fast?
Are you prepared to be surprised at the answer? United First Financial decided it's time to re-invent the wheel on mortgages. The tired old banking system is making the dream of homeownership harder to get every year. This company brought in a team of...
Those Adjustable Rate Mortgages that were so great during low interest rate periods have really hit homebuyers hard with rising interest rates.
Why not get the real story from MMA customers? Check out the testimonials of young families who went from renting to debt free homeowners in half the time of a conventional mortgage. These are real people whose lives were improved.
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Being Debt Free Isn't Just a Dream Anymore! (with United First Financial)
Paying off your mortgage in half the time and wrapping it all in a money account that acts like a checking account? That sounds too good to be true. So is it? United First Financial is a solid financial institution that refuses to follow the stale and o...
A mortgage is a method of using property (real or personal) as security for the performance of an obligation, usually the payment of a debt.
The term mortgage (from old French, lit. dead pledge, "so called because the deal dies either when the debt is paid or when payment fails.") refers to the legal device used for this purpose, but it is also commonly used to refer to the debt secured by the mortgage, the mortgage loan.
In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than other property (such as ships) and in some cases only land may be mortgaged. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property.
In many countries it is normal for home purchases to be funded by a mortgage. In countries where the demand for home ownership is highest, strong domestic markets have developed, notably in Spain, the United Kingdom, and the United States.

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