Have you heard of United 1st Financial?

[cjn]

I HAVE HEARD OF THEM I AM AN AGENT FOR THEM THEY ARE THE REAL DEAL I MET THE OWNERS AND THE CEO TOM CHESTER THEY ARE GREAT PEOPLE. WHY DO YOU WANT TO KNOW MORE ABOUT IT?
EMAIL ME AT CJN515@AOL.COM I CAN SEND YOU SOME INFO IF YOU WANT. LET ME TELL ALL THESE PEOPLE ON THIS FORUM IF YOU HAVE NOT DONE YOUR RESEARCH ON THE COMPANY DON'T TALK ABOUT IT DO THE RESEARCH IT IS A GREAT COMPANY AND I AM PROUD TO BE A PART OF IT.

[cjn]

Originally Posted by Logan

Have any of you heard of this company offering a web based register software to pay off your mortgage in a third of the time utilizing a HELOC?

I realize this is statutory and from within the current system but it does look practical and easy for the average person looking to rid themselves of their mortgage in a severely decreased time frame.

www.u1stfinancial.com

I AM AN AGENT FOR U 1ST IT IS THE BEST COMPANY I HAVE EVER WORKED FOR THE OWNERS AND CEO ARE VERY PERSONABLE. DON'T SAY ANYTHING AGAINST THE COMPANY IF YOU HAVE NOT DID THE RESEARCH TAKES. IT IS THE REAL DEAL EMAIL ME AT cjn515@aol.com AND I will SHOW YOU HOW REAL THIS IS.

[cjn]

Originally Posted by Notorial dissent

This "program" is just a really good way to incur another debt, and possibly lose all your money.

In the alternative, and a good deal safer, you could just make either a 13th payment against principal every year and that will reduce the mortgage amount considerably over it's lifetime, or you can pay every two weeks, but the point is you have to have the extra money free to do it in the first place. Both of which there are companies that will quite gleefully charge for the privilege of setting up for you.

Why pay someone to do something you can do yourself for free.

WHY HAVEN'T YOU DID IT YOURSELF? DO YOU KNOW MUCH ABOUT THE PRODUCT TO COMMENT? SHOOT ME AN EMAILAND I WILL SHOW YOU HOW IT WORKS. EMAIL CJN515@AOL.COM

[calvinandhobbes]

Originally Posted by cjn

WHY HAVEN'T YOU DID IT YOURSELF? DO YOU KNOW MUCH ABOUT THE PRODUCT TO COMMENT? SHOOT ME AN EMAILAND I WILL SHOW YOU HOW IT WORKS. EMAIL CJN515@AOL.COM

A) try typing in lower case, upper case is considered shouting.
B) top ten signs a business isn't reputable..... #10 it uses an AOL, hotmail, yahoo, or gmail account as it's contact.
C) we all know UFF is a prepayment plan wrapped up in a marginally effective HELOC float game that can be beat by in competitive interest bearing checking account, even if your software were free.
D) top ten signs a business isn't reputable..... #1 it's an MLM!!!

[cjn]

Originally Posted by charlesa6

I don't trust them. They always come up with some storyteller, riddle me this riddle me that but they never deliver. The way I see it; they might eat up your equity and leave you with nothing in the long run.

have you ever checked out the company or are you just going on your knowledge. Before you come to any conclusion research research then you will come to a different opinion. email me and i will tell you all about it
email cjn515@aol.com

[calvinandhobbes]

Originally Posted by cjn

have you ever checked out the company or are you just going on your knowledge. Before you come to any conclusion research research then you will come to a different opinion.

cjn is right in that regard, they will not eat up all your equity, just $3500 of it. and in exchange you get an inefficient prepay software that will save you far less than $3500. They will tell you it's saving you tens of thousands of dollars, but your prepayment is saving you tens of thousands of dollars while the HELOC game is saving you tens of dollars. you can do the prepayment part without an effort. the rest is just as simple as well.

1. Make a budget. Figure out how much extra income you have leftover each month.
2. Find a bank that gives you a good interest rate on your savings and checking accounts. If it's less than 4 or 5%, keep shopping. 5-6% is good these days.
3. When you pay your mortgage, send in the extra income you noted in step 1.
4. Pay your bills at the last possible moment, maximizing the interest earned while the $$$ sits in the bank during the month.
5. Send in the interest earned with your next mortgage check.

With today's rates, this just always beats an MMA.
No $3500 software needed. No fancy algorithm. Easy as 1-2-3.

[7secrets]

I wonder how the message of UFF gets so misconstrued in the general public. It seems to be somewhat like the game telephone...the message is passed and passed until the hearer hears what they want to hear. I would like for you to at the very least have an analysis done specific to your situation to see how you might benefit. The analysis is no risk, no cost and can be done with more than one scenario to make sure you feel confident in the outcome. The savings is definitely more than the $3500 spent if the program is right for you. If it's not, UFF won't sell it to you...period!! I read your claims about a company being a scam...not sure where those came from, however if you are interested in having a professional analysis done I would be more than happy to accomodate...no strings. You can reply to this thread or email me at sadieb@dalyrealty.com. I just hate to see anyone miss a great opportunity due to misrepresentation.

[calvinandhobbes]

Originally Posted by 7secrets

I just hate to see anyone miss a great opportunity due to misrepresentation.

now that's irony. tell me, SECRETS, how often can one get $3500 in 2007 dollar savings from the HELOC float game (read: MMA) versus a standard "send all your discretionary income in with your mortgage prepayment method"?

i propose the same challenge to you that we have to everyone else, let's simulate a common sample problem, like the one i laid out for logan, or a different one. You use your handy dandy rocket science scamware, sorry, "software", and i'll just use a good checking account. We'll make our money movements out in the open in the forum, and we'll let everyone see just how "efficient" (read: crappy) the MMA approach is.

you scam artists are all the same, never will you demonstrate your product, rather "let's look at your particular case and discuss" so you can brainwash them. if your product is so great, why won't any of you EVER take the challenge? The answer is obvious, it doesn't work as well as simply prepaying your mortgage and floating your bill money in a good savings account. Lord knows you don't want to demonstrate that fact.

THE UFF IS A SCAM!!!!!!!!! STAY AWAY!!!!!

Those google search results must really p!ss you guys off somethin' fierce!!! :P

[7secrets]

Originally Posted by calvinandhobbes

now that's irony. tell me, SECRETS, how often can one get $3500 in 2007 dollar savings from the HELOC float game (read: MMA) versus a standard "send all your discretionary income in with your mortgage prepayment method"?

i propose the same challenge to you that we have to everyone else, let's simulate a common sample problem, like the one i laid out for logan, or a different one. You use your handy dandy rocket science scamware, sorry, "software", and i'll just use a good checking account. We'll make our money movements out in the open in the forum, and we'll let everyone see just how "efficient" (read: crappy) the MMA approach is.

you scam artists are all the same, never will you demonstrate your product, rather "let's look at your particular case and discuss" so you can brainwash them. if your product is so great, why won't any of you EVER take the challenge? The answer is obvious, it doesn't work as well as simply prepaying your mortgage and floating your bill money in a good savings account. Lord knows you don't want to demonstrate that fact.

THE UFF IS A SCAM!!!!!!!!! STAY AWAY!!!!!

Those google search results must really p!ss you guys off somethin' fierce!!! :P

I would be curious to run the same scenario and see how they compare...I don't want to market a product with holes in it. What was your scenario? Monthly income? Monthly expenses? Mortgage payment...years remaining and interest rate? Any other debts being paid off at the same time? Share the figures and let's see how the MMA performs. And by the way, I'm not angry...you're the one yelling and using degrading verbage.

[calvinandhobbes]

Taken from my post in page 6 to logan:

My proposal for a sample problem:

1. $200,000 mortgage, 6.5%, 30 years, $1264.14 payment due on the 1st of each month.
2. HELOC rate of 8% (up to $50k), savings rate of 5%.
3. After tax income of $5000, paid on the 30th, we start with one month's paycheck in the bank (ie, we have $$ to make our first mortgage payment on the 1st).
4. Bills (excluding mortgage) are $2,000 due on the 26th of each month.
5. HELOC starts with $3500 for program for you

30 days in each month for simplicity. Before you ask, i currently get 6% on my checking account, so 5% is a gift to you.

And if you want to really show what your product is worth, we could remove item #5 and demonstrate it's true value.

That's all you should need. What are your first month's money movements?

Mine:
1st, pay $3000 to the mortgage.
26th, pay $2000 in bills.
30th, $5000 paycheck is deposited in checking account

Balances:

Mortgage, $198,0833.33 (interest accrued: $1083.33, principal paid: $1916.67).
Bank Account, $5007.64 (interest accrued: $7.04, based on an average daily balance of $1833.33)

Net: (cash-debt): -$193,075.69

(waiting for you to shake your magic eight ball software....)