U1st Financial -

MONEY MERGE ACCOUNT (MMA) “How It Works”

The re-adjustment occurs regardless of what banking institution holds the first mortgage.

United 1st Financial MMA software is designed to accelerate the payoff of a homeowner's mortgage(s) by utilizing an ALOC (advanced line of credit) as a bank account. The ALOC needs the following features to optimize advantages of the software. Open-ended Loan Variable Interest Rate Interest Only Payments Check Writing Capabilities mortgage using the line as the tool to make the payments. It prompts you to how muchThe MMA software calculates when you should make principal payments to your first which you enter into the software.The software makes these suggestions based on your individual income and expenses, accounts of any kind. It merely makes suggestions after analyzing the data the borrower inputs into the software.The software does not have access to any bank accounts, mortgage accounts or personal schedule of your first mortgage to automatically re-adjust each time a payment is made. The system prompts you to make lump sum payments, which forces the amortization line (you never pay the payment--your income is the payment). You then pay all your expenses from the line.This re-adjustment is accomplished by a consistent pattern of applying all income to the line. This leaves you with more discretionary or disposable income to make lump sum principal payments to your first mortgage without changing your monthly spending habits or outflow of cash.This effectively cancels most or, in some months, all interest that would have accrued on because the software will not direct you to make lump sum principal payments when the line reaches a certain balance. your balance reduces again.At this point, you add your income (which needs to be more than your expenses) and you have deposited enough income back in to the line to reduce the balance. The software is constantly evaluating your cash inflow and cash outflow from the line so that you are not continually increasing the balance on your line as you decrease the balance on your first mortgage.The software begins to prompt you again to make lump sum payments when it calculates versus the bi-weekly method, which only allows you to pay down your mortgage in about 23 years.Using this method will reduce your term to payoff the mortgage in as little as 8-11 years. This is done without changing your monthly cash flow and will adjust its analysis of projected lump sum payments or cash flow accordingly.The system does recognize fluctuations in spending and increases or decreases in income immediately on your principal balance. You pay your principal balance in the early months and years of your loan rather than later.Following the software's recommendations will make a noticeable difference substantially.By making the recommended payments your effective interest rate is reduced time loans are held is 5-7 years) and you have utilized the software's capabilities, you have paid down a significant amount in principle earlier in the loan process, which builds your equity faster.If you choose to sell your property or even refinance your property in 5 years (average the term versus the beginning of the term. This means you come away with more funds at closing.Traditional amortization schedules are designed to pay principal down faster at the end of discretionary income makes this system work.This program works with borrower's who have discretionary income. Any amount of means, the ALOC can be used as a tool to free discretionary income by paying off credit card and/or car payment debt and reduce monthly expenses. Thereby, increasing cash flow needed to implement and maintain the effectiveness of the software.

Money Merge Account

United First Financial

(MMA)

If there was a way for you to be

without altering your current cash flow … would it be worth 20

minutes of your time?

Debt Free in 10 years (or less)

· $1199 x 12 x 30 years =

Mortgages are calculated on a closed-end interest schedule. Certain Home Equity Lines of Credit (HELOC) are on an open-end interest Standard Fixed rate mortgage $200,000 @ 6% for 30 years: Monthly Payment =$431,676 in total payments!!!

What if you could trade

closed-end interest for open-end interest and by doing so
eliminate

your current mortgage … would that interest you?
thousands of dollars in interest payments and multiple years off of
FACT:

$5,000 (extra principal) to your mortgage company, in a lump sum, you would reduce your

interest by $28,000.

$5,000!
If you had a $200,000.00, 30-year mortgage with a 6% interest rate, and you sentThe PROBLEM with this example is that, most people don’t have
The Solution: A
HELOC + The MMA
In the example above, if you used the Money Merge Account you could possibly own your house monthly payments of $1199.00, which, in this example, represents a savings (to you) of
FREE & CLEAR, Title in hand in less than 12 years, saving 18 years or 216
$258,984.00
… Two Hundred Fifty Eight Thousand Nine Hundred Eighty Four Dollars of
your money!!!

                      Frequently Asked Questions

1 - Q. Can I build my own home if I don?t have any building experience?

A. ABSOLUTELY YES! Most of our customers have no building experience at all. As the project manager, you will only provide as much hands-on work if you choose to do so.

2 - Q. Will I have anyone to support and guide me through the process?

A. A professional New Home Consultant is with you every step of the way.

3 - Q. How much time will I need to spend on the jobsite if I am acting as my own project manager?

A. You will likely spend around 10 to 20 hours per week. You will be routinely speaking with sub-contractors and giving general oversight of the phases of the project.

4 - Q. What will it cost to build my own home?

A. Due to the number of variables from project to project, we cannot answer this question until we learn more about your specific home. Many factors are different for each project including home design, local fees, lot topography, etc. Furthermore, even if all of these factors remained the same for each project, the quality of building products and home furnishings that you decide upon will greatly affect the cost of your home.

Considering the above factors, we can tell you that most Owner Builders complete their home at approximately 10% - 20% below the appraised value. Once we see your project in detail, you can compare your Owner Builder cost to local market prices to see more specific cost savings. (Example: $200,000 home @ 20% equity = $40,000)

5 - Q. How do I find land or a location to build?

A. There are several ways to do this. Some suggestions: Go to the local realtor(s) and ask about land for sale, take a drive in the area you would like to build in and look for land for sale, look in the local newspaper ads, ask friends, family, and co-workers if they have seen any land for sale.

6 - Q. What home plans are available?

A. With Owner Build, you can choose from nearly 10,000 home plans on our site or you can bring us your own plan.

7 - Q. How much do I have to put down?

A. Normally, $1500 down or less. The maximum down payment is 5% of the cost of the land HOWEVER, if you own our own land there is NO DOWN PAYMENT!

8 - Q. Do I have to have perfect credit to qualify?

A. You do not have to have perfect credit, however there are some credit requirements and income requirements. (Contact the owner of this web site for more details about this.)

9 - Q. How long do I have to build my home?

A. You have up to 12 months to build without any payments, however, you can be much quicker than that and you only start making payments when you move in.

10 - Q. Do I need a General Contractor?

A. NO, not if you use our Owner Builder Program with the assistance of our associates.

11 - Q. Why would I want to build my own home?

A. Most Owner Builders save approximately 10%-20%, and many save more, it all depends on how much of your own time and labor you put into your new home. Plus, as an added benefit, because you are in control of the building process, it is quite likely that you'll end up with a top quality job and a superior home that your family can enjoy for years to come.

12 - Q. If I decide to be my own Project Manager, how can I find good subcontractors?

A. Ask friends, family, and co-workers for referrals, visit the local Chamber of Commerce and ask for a list of sub-contractors, visit the local lumber yards and ask for referrals. These are just some suggestions.




Construction

BUILD Your Own Dream Home! Our National Home Building Experts Will Show You How!

No minimum income requirement (to apply)

DOWNPAYMENT: 5% (or less) of the land cost

10,000+ floor plans to choose from

Make NO payments for up to 12 months (while you build)

$1000 rebate at move-in

GUARANTEED home equity at move-in!!!

WE CAN BUILD YOUR HOME IN ANY STATE
OUR BANKING PARTNER ...

Chartered by the US government

$1.5 billion in assets

48 state footprints (not in AK & HI)

Very competitive rates

Pre-approval in 24-48 hours

For More Details [CLICK HERE]

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Pre-Approval Application



Required: "Verified' Credit Score: 575 (or higher)

[Don't know your credit score or need credit help?] CLICK HERE

To get PRE-APPROVED within 24-48 hours.

Click on the link below to download the pre-approval application.

1. Fill it out completely.

2. Contact your MasterBUILDER representative to get further instruction.

                  PRE-APPROVAL APPLICATION




9 Free Services

UNLIMITED Phone Consultations

Face-To-Face Meetings

  Legal Document Reviews

Necessary Phone Calls On Your Behalf

Necessary Letters Written On Your Behalf

Helpful Advice For Small Claims Court

Assistance With Government Programs i.e., Medicaid, Medicare etc.

Simple Wills For You & Family

Living Will For Member

BONUS FEATURE: A Free Review Of YOUR Last Year's Tax Return By

Our Tax Professionals!

Mortgage Enrollment

*This is a great opportunity for Realtors, Mortgages Brokers, and any real estate professionals.*

Ufirst Hiring Packages

Printable Information of MMA

Call TODAY for more INFO or visit

www.u1stfinancial.net/eedmond!!!!!!
Over 10,000 Exciting Floor Plans!This is NOT A Refinance or Bi-Weekly Program This is not a Debt Roll down or Debt Reduction Program This is not adding Extra Money to Principal It's NONE of these!If you live beyond your means, it will not work. Conversely, if you do live beyond yourThe line balance does not keep increasing as you make lump sum payments from the line.

1 -	Q.	Can I build my own home if I don?t have any building experience?

	A.	ABSOLUTELY YES! Most of our customers have no building experience at all. As the project manager, you will only provide as much hands-on work if you choose to do so.

2 -	Q.	Will I have anyone to support and guide me through the process?

	A.	A professional New Home Consultant is with you every step of the way.

3 -	Q.	How much time will I need to spend on the jobsite if I am acting as my own project manager?

	A.	You will likely spend around 10 to 20 hours per week. You will be routinely speaking with sub-contractors and giving general oversight of the phases of the project.

4 -	Q.	What will it cost to build my own home?

	A.	Due to the number of variables from project to project, we cannot answer this question until we learn more about your specific home. Many factors are different for each project including home design, local fees, lot topography, etc. Furthermore, even if all of these factors remained the same for each project, the quality of building products and home furnishings that you decide upon will greatly affect the cost of your home. Considering the above factors, we can tell you that most Owner Builders complete their home at approximately 10% - 20% below the appraised value. Once we see your project in detail, you can compare your Owner Builder cost to local market prices to see more specific cost savings. (Example: $200,000 home @ 20% equity = $40,000)

5 -	Q.	How do I find land or a location to build?

	A.	There are several ways to do this. Some suggestions: Go to the local realtor(s) and ask about land for sale, take a drive in the area you would like to build in and look for land for sale, look in the local newspaper ads, ask friends, family, and co-workers if they have seen any land for sale.

6 -	Q.	What home plans are available?

	A.	With Owner Build, you can choose from nearly 10,000 home plans on our site or you can bring us your own plan.

7 -	Q.	How much do I have to put down?

	A.	Normally, $1500 down or less. The maximum down payment is 5% of the cost of the land HOWEVER, if you own our own land there is NO DOWN PAYMENT!

8 -	Q.	Do I have to have perfect credit to qualify?

	A.	You do not have to have perfect credit, however there are some credit requirements and income requirements. (Contact the owner of this web site for more details about this.)

9 -	Q.	How long do I have to build my home?

	A.	You have up to 12 months to build without any payments, however, you can be much quicker than that and you only start making payments when you move in.

10 -	Q.	Do I need a General Contractor?

	A.	NO, not if you use our Owner Builder Program with the assistance of our associates.

11 -	Q.	Why would I want to build my own home?

	A.	Most Owner Builders save approximately 10%-20%, and many save more, it all depends on how much of your own time and labor you put into your new home. Plus, as an added benefit, because you are in control of the building process, it is quite likely that you'll end up with a top quality job and a superior home that your family can enjoy for years to come.

12 -	Q.	If I decide to be my own Project Manager, how can I find good subcontractors?

	A.	Ask friends, family, and co-workers for referrals, visit the local Chamber of Commerce and ask for a list of sub-contractors, visit the local lumber yards and ask for referrals. These are just some suggestions.