| United First Financial was founded in 2005 in Salt Lake | | | | Since their inception in 2005, United First Financial has |
| City, Utah with a mission to help as many people as | | | | signed up tens of thousands of clients on their Money |
| they could to become debt free and build a solid | | | | Merge Account system. |
| financial future. United First Financial also goes by UFirst | | | | Independent agents will offer you a free analysis with |
| and U1st Financial. The company was created by | | | | all the numbers from your debt and income plugged in |
| co-founders Matt Lovelady, John Washenko, Jonathan | | | | to see your actual payoff results. You will see your |
| Bonnette and Skyler Witman. | | | | years to pay off, interest saved and the month and |
| The Founders previously started a mortgage company | | | | year you will be debt free. Also, you will see years |
| in 1997, Accelerated Equity. By it's third year in | | | | saved and interest paid to get out of debt. These |
| business, it was voted one of Utah's fastest growing | | | | accurate numbers will change with each deposit and |
| companies and they had massive success with it. | | | | withdrawal that you update the system with monthly |
| They began to notice a disturbing trend though: people | | | | so you will always know exactly when you will be |
| would come back in every 3-5 years and refinance | | | | debt free. Think of it as the world's greatest interactive |
| just to get back out of the debt they had accrued in | | | | debt countdown clock. The software does not need |
| the previous 3-5 years since they got their original | | | | any account numbers or private information, only the |
| mortgage. Essentially they were getting into further | | | | math from your debts. |
| debt by putting money down again for the new loan, | | | | In 2008, the Founders of UFirst won the prestigious |
| closing costs, paying all that additional front-loaded | | | | Ernst and Young Entrepreneur of The Year Award in |
| interest again and worst-of-all, starting a 30 year loan | | | | Utah for Financial Services. The company has also |
| all over again and adding 3-5 years of payments back | | | | been featured in numerous trade publications such as |
| on to a new mortgage. | | | | Broker Banker, Personal Real Estate Investor, Success |
| After looking into other ways of helping clients build | | | | From Home, Mortgage Planner and True Wealth. |
| equity and eliminate debt faster, including bi-weekly | | | | Recently in 2009, the company started their own |
| programs and CAM's or current account mortgages, | | | | insurance division, UFirst Alliance. This division focuses |
| they decided the very best way to help their clients | | | | on the Banking Concept in teaching others how to |
| was to create their own software program for optimal | | | | become their own bank and build massive wealth with |
| results. Their software is called the Money Merge | | | | Insurance policies. This concept teaches clients a way |
| Account System. It originally only worked with | | | | to never have to borrow money again or pay any |
| mortgages, but now works with any kind of debt. The | | | | more interest. |
| system simply shows you the fastest way to a zero | | | | They use a Lifetime Membership subscription based |
| balance on all your debts simultaneously, regardless of | | | | model for their clients. The software is web-based, not |
| interest rates, loan types, amounts, deposit amounts, | | | | a bunch of disks you get in the mail. This way you will |
| frequency of deposits or multiple homes and | | | | always get the most recent updates and upgrades, at |
| mortgages. For someone looking for a mortgage | | | | all times. They also include free US based customer |
| accelerator, it is a fantastic tool, with no refinancing | | | | service, with extended hours, for life with your |
| required. For debt management, it is considered by | | | | membership. |
| many financial professionals to be the best of all debt | | | | When trying to get out of debt it's important to |
| elimination tools. It's calculations are based on factorial | | | | consider all your options and choose what's best for |
| math. It also works on multiple properties at the same | | | | you and your family. I wish you the best in becoming |
| time. | | | | debt free and achieving financial freedom! |