United First Financial ®
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UNITED FIRST FINANCIAL® PUTS YOU FIRST 

Skyler Witman and John Washenko, two Utah Business Partners, owners of Accelerated Equity and Development, decide
there's got to be a better way for the American homeowner to actually own their homes. 

WELCOME TO UNITED FIRST FINANCIAL

Most people probably wouldn't understand why two Mortgage Brokers who managed a successful business would be looking to buck the system, looking for a better way for repeat customers to actually own their homes.  Some would say that they were cutting off the arm that feeds them.  In the mortgage business, customers who refinance their homes every chance they get are definitely a Brokers dream.  

But what Skyler Witman and John Washenko realized was that as time went on and these customers had literally sapped their home equity dry, they could no longer help them.  Why were these customers using their homes like ATM's? Because everyone else was.  They would take the equity out of the house to payoff other consumer debt, because that's what everyone did.  The  initial bi-weekly program they had their customers working with just wasn't cutting it, there was no instant gratification and so the search began for a greater impact for the customers financial needs.

Fast forward 2002.  After many hours and months of research, a concept was finally discovered being used outside the US and that when used correctly would pay down mortgages in record time.  It required no day-to-day out of pocket financial impact, but all the while paid off debt and began saving hundreds of thousands of dollars in interest.  A large investment went into refining the concept and technology to conform to work with American consumers and homeowners. 

In 2005, United First Financial began a test market of the personalized Money Merge Account system with 400 random clients.  The online software program was designed to help American homeowners strategically manage their cashflow and it worked.  The test market families were averaging an 8 to 11 year payoff date but were actually 20% ahead of what the Money Merge Account system had originally predicted.  

The Money Merge Account system could not be contained.  United First Financials tremendous growth since that test market has been handled with care.  The experienced business partners that were brought onboard to create United First Financial are experienced in the financial arena (Jonathan E. Bonnette, Matt Lovelady, Don Jorgensen) and are occupied with the future of the company, the thousands of clients success with the Money Merge Account system and the ever growing United First Financial Independent Agent force.

United First Financial Agents are in the field conducting educational seminars and bringing hope to many families who knew there had to be a better way also.  United First Financial will change the financial landscape in the US, Canada and beyond.

There are two types of people when finances are to be considered.  Those that are paying the mortgage and bills, have some savings, maybe even some retirement funds stashed away and they know that one day they will own their house.  And then there are those that want that day to come also, but the debt load is ever increasing with the daily expenses of running a household and the thought of retirement is no longer a dream but a nightmare.  Both of these types of people could use the assistance of the Money Merge Account system.

 United First Financial Owners Earn Prestigous Ernst

MOST PEOPLE KNOW SOMEONE WITH DEBT
THE MONEY MERGE ACCOUNT® SYSTEM WILL HELP THEM AND YOU

There are two kinds of people in this world... 
Those that think everything's too good to be true and those that move forward to make it come true.

In March of 2007, a fellow loan officer asked my opinion on a program that would help our customers accelerate the payoff of their mortgages and consumer debt.  In that brief meeting, I learned about the Money Merge Account system by United First Financial®.  The system proved how anyone could accelerate mortgage and consumer debt payoff, how anyone could use strategies that the banks have used for decades and how to properly manage different bank accounts.

I eagerly wanted to know what the Money Merge Account system could do for my own mortgage and took the next step and had my personal analysis prepared.  Simple questions, no personal account numbers, but accurate income and expenses were accountable.  Results, using the Money Merge Account system, I will have my 27 year mortgage and other debts paid off in 10.8 years. (Now 7.9 years in just 16 months, the program is addicting)  After learning I would be saving over a hundred thousand dollars in mortgage payments, I knew I wanted and needed, to share the Money Merge Account system with others. 

The MONEY MERGE ACCOUNT System Is Not a New Concept

The Money Merge Account system is only an advanced concept that is now simple enough for the average American homeowner to use.  A product designed by a couple of mortgage brokers who had had enough of reloading consumers with mortgage debt and decided that there had to be a better way.

It was an easy decision to join United First Financial as an Independent Agent. As I have succeeded in helping others, I have been compensated well and that in turn has helped accelerate my financial freedom day by 3 years. 

Thousands of families are each on there way to being debt free in a fraction of the time and are potentially saving hundreds of thousands of dollars. 

"With my Money Merge Account system, I'll only be in my early 50's instead of in my 70's" ~ That's me!

"I'm saving over $400,000 in interest payments using my Money Merge Account system, how can I not do this" ~ CA homeowner

"Using the Money Merge Account program, I'll be completely debt free in 13yrs, you are a lifesaver" ~ Mortgage, HELOC, 4 student loans each over $30,000

Most clients decide to join United First Financial to reach more families who they know need help.  The results, in just two years, our fellow American's have saved themselves over 300 million dollars in Principal pay down using the Money Merge Account system.

The American Dream can now quickly become a reality.  We are helping families with their present financial situation and also their future.  We are helping them accelerate their payoff of their mortgage, other consumer debt and we are educating them how to strategically manage their money so that it works in their favor. 

Those who understand interest, earn it ~ those who don't, pay it.

Most people, who receive a personal analysis, want to proceed to the next step and get the Money Merge Account, but some don't.  Some choose to continue with the way things are.  My husband and I believe that nothing in life is a coincidence.  Everything happens for a reason.  We'll, United First Financial and the Money Merge Account system has been presented to us and others as a means of saving our country's financial future.  

The picture is bigger than just us.

No previous experience necessary to become an Independent Agency.  Live and Online training provided for all levels.  United First Financial  Independent  Agents range from Professionals to Retirees who are choosing to make a difference for our economic future. 

An Agency may be an individual or business entity and who knows, it could be your answer to a new career in these difficult economic times. 


Money Merge Account Systems~Sold in the US and Canada~Build An Agency~One Time Fee $175~Click Here 


  United First Financial Certified Agents are experiencing consistent success offering the Money Merge Account System. 
  The ability to empower any homeowner or individual to eliminate debt with what they currently have available is fulfilling dreams.



Put us to the test
Have your Money Merge Account Analysis prepared
There's no obligation once you receive your results unless you want to
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Money Merge Account Systems Available in US and Canada