Testimonials

  • "The Money Merge Account software has given me great peace in knowing that our house will be 'Paid-in-Full' in 3.4 years. Before, we had 26 years left on our mortgage. At 60+ years of age now, we would be 86+ years old by the time it would have been paid. We are extremely happy & grateful!" Ann M.

  • "We are paying our house off faster than we ever thought possible! Thanks!" Aaron & Kelly S.

  • "Very happy with the path we're on. The live agents are always helpful and quick to answer any questions we have. Thanks UFirst™!!!" Anthony & Josephine V.

  • "Mason was very helpful to us. His ability to training us with his professionalism and knowledge was very helpful to us." Robert & Barbara T.

  • "Thanks. My coach, Marie, was wonderful." Jim & Ginny B.

  • "I wish I would have known about this program years ago. It would have saved me thousands of dollars. But I am on track NOW! Thank you." Rosemary M.

  • "I am ultra conservative by nature. When I first heard about the Money Merge Account program, I was very hesitant. I looked into and researched the program for almost a year. After seeing what it did for a good friend of mine, I jumped on board. UFirst and their agents and support team have been awesome. It is the best financial decision I have made in my adult life. I wish I would have started a year earlier." Rob P.

  • "The program is user friendly and easy to navigate. At this point it seems like more of a checkbook register/to-do list. As I begin to execute functions I am hoping to understand the concepts of 'floats' and such more clearly. I am looking forward to the benefits and leading others to strategic payoff! Thanks!" Ann S.

  • "This is a new and exciting way to really enjoy banking and finances." Christian & Tiphani D.

  • "Michael T. has been extremely helpful in coaching my through my first reconciliation of my accounts. He was patient and professional. He took the time and had the expert knowledge required to figure out an extremely complicated statement. Thank you for guiding me through this." Anita V.

  • "Sam G. is excellent." Mona P.

  • "In these economic times, having control over our finances is a relief. Having an actual, attainable payoff date is amazing and keeps us very motivated! Thanks." Alban M.

  • "I'm anxious to put Money Merge Account program to the test. I'm beginning to understand how the program works and anxious to see the interest reduced, knowing that I will have my mortgage paid off sooner than ever hoped for." Annette M.

  • "I am so glad my husband and I were introduced to the Money Merge Account program. It has given us the opportunity to do some remodeling to our home that we would have not been able to do." Rick & Pauline N.

  • "Each of the webinars I have attended has brought me into greater knowledge of the program and how it functions. I am very grateful for this gift of time to learn and to finally engage my husband into a ‘real’ budget for our family." Jon & Kellie F.

  • "Excellent service." Rafael S.

  • "Just what the world needs (including us Canadians)! The past two generations have been given few skills on managing their income; how to fill out another credit card application doesn't count! Easy credit, extended terms, etc., got us in this mess and the Money Merge Account program is going to get us out of it! Thanks!" Alban M.

  • "I love this program. Our family has needed this for years." Arlo B.

  • "I would like to be able to pay down my other bills like my credit card and student loan." Terri V. (***Note: Since this survey was turned in, we have expanded the capacity of the Money Merge Account program to include all consumer debt and not just a mortgage. In fact, many clients only have consumer debt and can use the program.)

  • "My coach was very informative and prompt in calling on time. I called prior to coaching and received valuable help as well from support services. I feel very encouraged to go forward with this program in that I feel that the support is very accessible and in fast time frame. Thank you." Donald & Lindsey G.

  • "Thank You!!!" Randy T.

  • "I am amazed at the progress I have made paying down my debt/mortgage in less than a year. I am not a risk taker and would normally be leery of a program that promised to do what this one does. My only regret is that I did not enroll sooner." Alison M.

  • "I am just beginning and I'm so excited to get started. My wife and I had a plan of our own in place, but this is so much more structured. It really seems very easy to follow and the support is great. Looking forward to being debt free. Thank You." Barry & Carol W.

  • "Everyone we have dealt with related to this program has been nothing but extremely knowledgeable, professional and helpful. We want to thank all involved for helping us achieve a better financial future." Alice K. & Barbara P.

  • "My coach was very polite and made me feel comfortable so I could ask any questions I had. I like knowing that I will have support to guide me through the UFirst program. Thank you." Camille P.

  • "Customer Support person Tori S. was helpful. Thank you." Richard J.

  • "The system is very easy to use, if you are familiar with online banking systems. It virtually resembles checking account register, only it keeps a much more detailed account, because everything is real time! I love the system and will recommend it to everyone. Thank you." Allison R.

  • "This is a very good system. It would be foolish not to do it. Your home will be paid off in a very short time frame, once one understands how it works!" Cary & Angie G.

  • "The young lady who helped us tonight was very helpful and amazingly smart. We feel confident that we'll do okay as we execute the program and follow the instructions as shown to us tonight. Maybe it's too early to say if this program will actually help us, but all indications are that it will, if only we could find a way to catch up to the ridiculous pace of inflation and the out-of-control cost of fuel and gas." Amy & Ovala T.

  • "My coach, Mike, was very courteous and helpful. He showed me several examples of how to proceed in starting up our personal program. We look forward to enjoying the rewards of using this program, and anticipate calling in for future instructions and assistance." Russell & Rita S.

  • "My coach was very patient and precise." Roger W.

  • "This is a very awesome tool. It gives us the discipline that will definitely lead to financial freedom. Thank you, UFirst, our children will not suffer as much as we did. Where were you 20 years ago?" Alma & Cesar L.

  • "My coach did an excellent job of explaining how the program works. I am even more excited now about this moneysaving program than I was at the time of purchase. I finally have a sure-fire method of controlling my funds and tracking my spending. Thank you." Celia R.

  • "I'm very happy with the level of service. The only thing that I notice is that because I am on Eastern time (NYC), Client Support isn't open until mid morning for me. Continue doing a great job!" Andrew & Jennifer K. (***Note: since this survey was submitted, the hours have changed and now our support team is available from 8 a.m. to midnight, Eastern time.)

  • "My experience with UFirst has been professional so far. My trainer was very enthusiastic during my training, easy to understand." Doreen S.

  • "Great training by Jared G." Steve M.

  • "I feel very comfortable using my Money Merge Account program because of the training I received, as well as the guarantee of the program. I feel like I am making huge strides at paying off my debt with this program. I no longer worry every day about my debt because I feel like I have control over it now. It is a great program to really take control and put your money to work for you. I highly recommend it!" Amy S.

  • "I have been using my Money Merge Account program for only a couple of months now and have needed a few questions answered from the client support team. I left a message for them late at night on two different occasions—they returned my calls the very next morning, were able to answer my questions, and helped me move forward with my account. Not only have I been provided with a great product, but with a great support team as well." Charles & Holli W.

  • "Adam was an excellent trainer and we found the program fairly easy to navigate. We look forward to using it and we hope it works as well as it appears to. Thank you." Andy & Susan M.

  • "My coaching was very good and actually helped me understand my Money Merge Account program and how to use it. Thanks, Mike B.!" Scott D.

  • "Very professional and patient. Thank you." Vinnie L.

  • "My husband and I are extremely happy with the Money Merge Account system. We thought we would never be in such a wonderful position. Even though the working field I am in (mortgage industry) has been slow, we have still been able to manage the funds in a smart way since we have the Money Merge Account tool. Thank you to our agent and to UFirst!!!! Happy New Year!" Chris & Mary Ann A.

  • "Eddie was excellent. He kept his sense of humor and professionalism while I managed to disconnect from the program and make a few other mistakes. He is very patient. I am grateful I have him as a coach. I have also been praying for organization and this program will do it. Thank You!" Peggy M.

  • "My husband and I felt that Mike T. was very competent and very helpful. This was our 2nd coaching session and found that he explained things clearly and gave us good examples. He gave us enough time to ask questions and seems knowledgeable in this program. Thank you, Mike." Frank & Rosemary M.

  • "Love this program. Very impressed!!!" Chuck & Lisa B.

  • "This program, in only a little over one month of use, has taught me more than a lifetime of spending. I can see the ‘real’ costs of what I am spending. I can see how even very small fluctuations in spending and income can dramatically change my goal of being debt free. I am much less impulsive in my spending because I can SEE what the long term affects of that careless spending do to my ultimate goal. I only wish I had found this program when I was younger. I would have a very different life had I started earlier, but am SO grateful that I have found it in time to pay off my home and my debts and not leave my children and grandchildren with burdens at my death. Now, I can leave them a heritage that I did not have when my parents passed. Thank you so, so much, UFirst. You have truly saved my future." Anne H.

  • "After my training call with Carlos this afternoon, I am even more excited about using the Money Merge Account software. Seeing how I can improve my financial situation through reducing the years on paying off my mortgage is phenomenal. I can't wait to share this information with my family and friends." Danielle J.

  • "My trainer was very nice and helpful. Thank you." Anthony A.

  • "My numbers were not initially installed as on my statements. Customer service fixed it in a few minutes to reflect my correct balances. Missuki was pleasant to work with and seemed to know what she was doing. Thanks guys for getting my program up and running." Alex D.

  • "The Money Merge Account program is a great tool to reduce your mortgage and get debt free." Chuck P.

  • "I'm thankful that we were told about the Money Merge Account system. It has helped us get out from under the credit card trap and it has helped us cut many years off our mortgage payments and interest. I wouldn't want to go back to how I was before using it. Thank you." Arthur & Evelyn S.

  • "Great system, easily navigated! Can't wait to pay off our mortgage!" Danny & Janice F.

  • "Our trainer was extremely professional and extremely patient with us. She was very thorough, and it gave us a lot of security. We were quite fearful of how the software was going to be used to help us, but Karina made everything so clear. She invited us to do many practice examples, so that we would be comfortable using the software. We were assured she would help us anytime if we should have questions. She would be able to update any changes very quickly and easily should we ever need to do so. We are even more excited about our financial future as we now have a greater control through the Money Merge Account program. Thank you." Beaumont & Angela S.

  • "My representative, Jay, was extremely professional and patient; at first glance the Action Plan was overwhelming. However, Jay made me feel more than comfortable using the Money Merge Account program. Although I know I'll need help often, he vowed to be just an e-mail message away. Thanks, Jay." LaChaun H.

  • "I believe this is a great program." Donna B.

  • "The original analysis projected we would pay off our home in 11.5 years following the program. This was pretty exciting, as we had just bought our home (100% financed) 11 months prior to meeting our UFirst agent. Once we were set up with the program and inputted all the correct information, we were excited to see our schedule payoff date only 4 years away! That means I'll NOT be making house payments for 25 years … an out-of-pocket savings of around $210,000! More than worth the price of the software." Austin & Amy S.

  • "My only comment would be on the new version of the Money Merge Account program. It is wonderful. I no longer need to pester you with requests to fix any entries I may have made in error. So far, I am now able to update everything myself. This saves all of us time. Also, the appearance of the new dashboard is excellent ... more in-line with what I would expect from a quality organization such as yours. I know that all the programming was behind the dashboard, but the appearance was very plain. I worked in I.T. for many years, in both system test and programming, so I do have some experience in this field. Thank you." David and Caryl K.

  • "My trainer was exceptionally friendly and extremely helpful. :)" Betty & Tom M.

  • "My service representative was very knowledgeable and helpful. He was very patient." Dan & Penny H.

  • "Outstanding." Eldridge & Patricia S.

  • "Since purchasing the Money Merge Account program, I have been able to look at money in a whole different way than the typical, conventional manner as before. The freedom that this program gives is worth the price of admission and to have the processing power of knowing how your money is working is a true blessing. I like the new format, though the older version was fine as well." Beau & Sylvia O.

  • "Thanks, guys, for this program—I feel good going to my Money Merge Account software and just watch my debt just trickle on down." David L.

  • "This is not the first time I have called in and spoken to your agent Jared G. He is not only well versed in the many levels of this program, but his manners, knowledge and enthusiasm are very evident. He is a great asset to UFirst." CeCe K.

  • "My trainer was excellent." Donna M.

  • "After a few months of use, it should be excellent." Francisco & Lucille M.

  • "I am a version 3 to 4 convert. I have been on the Money Merge Account system for 1 1/2 years now, saving over $40,000.00 in interest so far. Believe me when I say the system works, and I am a spokesperson for UFirst whenever I have the opportunity! The version 4 is more in depth and has many more options. I also like the colors used on the site. Seem more soothing in some ways! There are always questions about how difficult is it to use. I have to be honest and say, are you smarter than a fifth grader? They could do this program! I like it!" Bert W.

  • "This is the greatest thing that I have ever seen. It's so easy." Davie M.

  • "Jake was very friendly and positive. He made a seemingly overwhelming financial venture very simple to execute. I felt as though he was willing to help me with any problems during the training and would be willing to help in the future. Overall, it was an enjoyable and helpful experience." Brian & Becky E.

  • "My trainer was great. Jake made everything easy to understand and walked me through everything. Thanks, Jake." Geoff & Lynne U.

  • "This is an awesome program. Thanks, UFirst." Horace J.

  • "I LOVE YOU GUYS!!! My entire family has been changed because of your system. Keep doing what you are doing!" Bill W.

  • "Any time I have called with a question, the service provided was fabulous. Everyone I have spoken to has been very pleasant and helpful. My trainer was great! I wish all help desks were this nice and helpful!" Diane & Robert D.

  • "I think the Money Merge Account program will benefit me based on my current understanding of the system and the training Jason M. provided. Jason was courteous and presented the information in an understandable manner. I look forward to a brighter financial future. Thank you." Broderick & Alice S.

  • "My trainer was Jessica, who was patient and answered all my questions." Trisha A.

  • "The Money Merge Account software (version 4) is a great system." Horace J.

  • "We always believe in the saying and we quote, ‘IF IT'S TOO GOOD TO BE TRUE, IT'S NOT TRUE.’ But this system proves our doubts false! We will certainly recommend this system to anybody, anytime and anywhere. If we are given the chance to purchase a home more than twice, we will definitely apply the same system. It’s hard to believe that there are certain tools that may help home buyers tackle their mortgage earlier than what's ‘scheduled.’ No matter what other people may think and say, we will back up this program 100%! Thanks, and more power to United First Financial. Keep on rocking!!!" Bliss & Vilma B.

  • "We are very impressed with the excellent professional service we have received so far in setting up our system. We can't wait to see the years evaporate from our mortgage balance!" Dianna L. & Willie C.

  • "Kayla patiently walked us through the set up process, step-by-step and answered all of our questions right away. We felt completely at ease with her direction and knowledge." Bruce & Rene P.

  • "SOUNDS GOOD! ANXIOUS TO START." James S.

  • "Just thought I would give you an update on our progress. We have been on the program for just about 10 months and have paid off more than $43,000 on our 1st mortgage. We are ahead of our analysis by 2 years, and now down to 9.9 years before we are debt free! It took us 5.3 years to pay off $21,000 on our first mortgage through our amortized loan, and now we have doubled that in 10 months! Thanks!" Bob G.

  • "This is a great program and I am still impressed. Very user-friendly and the customer support is just outstanding." Diego C.

  • "This FEEDBACK is actually geared towards a CHAT ROOM service I had. TORI S. was awesome. She took the time and was able to work with me. I am going to love this new version." Bryan & Daniela G.

  • "My trainer was very congenial and did a very good job. I only hope I can remember all I am supposed to do. Thank you." Joyce P.

  • "This is an excellent tool for debt reduction." Jeffrey N.

  • "I recently needed some additional information/training on our Money Merge Account program software so I called the client support number. An extremely helpful and friendly man named Mike B. answered the phone and walked me through the questions that I had. Not only did he answer all of my questions, but he also helped me eliminate 1 additional year of mortgage payments just by making a couple of observations regarding a Money Market account that we have which is paying only 4% interest. We are absolutely thrilled about this program!" Brad & Sandy B.

  • "The client support team at United First Financial is incredible. Always courteous and helpful. The software is super simple to learn on one's own. Others that I know who use the program agree that training is not really needed." Dimitri & Kim K.

  • "Great job by Caleb of patiently going through program. I had a lot of initial questions that were addressed before going through basic program steps. I like UFirst's approach of being able to contact the same trainer, if he or she is available. Do whatever is necessary to stay at this level of customer support." Burgess O.

  • "My trainer was very good in her knowledge of the product." Cynda F.

  • "Very friendly. Nice to be able to share with this wonderful person. Thanks." Jeri S.

  • "We were only 2.5 years into our 30-year mortgage when we got on the plan. Now, only a short 18 months later, our projected payoff is only 4.3 years away. Best of all, we have not changed our lifestyle one bit. I would recommend this system to anyone who would like to save thousands in interest and pay off their house sooner!" Brian & Janice W.

  • "I like how easy this is to use, and so far the results are excellent and have given us some hope to really get ahead and build wealth." Duane & Donna G.

  • "Caleb was very patient and helpful." Carol & Kevin L.

  • "My trainer was very helpful and knowledgeable." Stephen M. & Kathleen C.

  • "I can't wait to start using the program." JDM

  • "This is the most awesome financial budgeting tool and early-mortgage-payoff system I have ever seen. See you on the beach." Bridgett & Rob E.

  • "It was hard to get started. We had to change the way we paid our bills and that made us nervous. We knew it would all be worth it so we stuck with it and it's all working out great. It's unbelievable!" Elaine & Christopher C.

  • "Eddy L. was my coach. I had created a lot of errors and he stuck with me until I understood and all errors were fixed. He was patient and kind and very knowledgeable. He is the reason why I am so comfortable recommending this program to my friends when I say there is great customer service I am right. Thanks, Eddy!" Catherine & Robert K.

  • "Since I have just reviewed the training material, but have not started the actual process yet, I would say this will be a great program. The information from the representative and the training material answered my questions and concerns. Many thanks." John H.

  • "This program is great because I changed NOTHING about my life, my income, or my spending. Yet, I cut my 30-year payoff term for my mortgage down to 8 and 1/2 years!" Brittany R. & Matt E.

  • "Mason was great! I'm not very computer literate and he walked me through everything. I feel comfortable starting and using the software. The software is user-friendly, even for those us who do not have a lot of computer knowledge, and the support is great." Ellen L.

  • "To whom it may concern: Mr. Mason provided an excellent mirror of the UFirst program dynamics from the beginning concept to its actual implementation. He is punctual and thorough in transferring program knowledge without fault. Above all of his factual program knowledge and skills, he has patience with his clients and does not leave a concept until the client has grasped the working knowledge. Mr. Mason I believe is a great asset to this program and should go far in this company." Cathrilla D.

  • "My Trainer, Adam C., was so patient, calm, nice and very attentive! I felt so comfortable and at ease with Adam I felt like I could ask him the same question over and over until I finally grasped it! I am very eager to start my Money Merge Account program and intend to use this wonderful ‘tool’ to paying off our rental property and HELOC account faster than I could imagine! Thank you sincerely." Judy F.

  • "Amazing program." Joseph C.

  • "I cannot believe I will be debt free in 4.5 years! Unbelievable, since I am a single mother on a fixed income! This really works! Thank you!" Carol E.

  • "We are very pleased with the Money Merge Account program and how it is helping us achieve our financial goals. We are looking forward to be able to keep learning and becoming more financially independent! Thank you." Enzo & Stacie G.

  • "I am very pleased with my training experience. Jessica was very pleasant and very patient with me. She answered all my questions in a very professional manner. She went over every section of the program and explained all the features and how they work. I feel confident that I can use this system and that I will enjoy seeing how it works for me. Jessica spoke with me in a casual manner that made me feel comfortable. I was anxiously waiting for my coaching phone call. Now I see exactly what my agent told me is true. I felt like I was talking to someone I already knew! Great Job, UFirst!" Cathy & Garry B.

  • "My trainer, Paul S., is first rate! He is knowledgeable, patient, personable, and thorough. The webinar was excellent as well. Very clear and well-paced." Deesha P.

  • "This is a great product." Ken Z.

  • "I have been using the Money Merge Account program since February, 2007. At that time, I had 28 years left on my mortgage. As of now, I have 3.5 years left to be completely debt free! It is so easy, and I am absolutely thrilled! I know that if I had not made the decision to use this system, I would have at best 27 years left, and most likely, would have refinanced again to get a lower monthly payment. Now, I never have to refinance, and I am very much looking forward to accumulating money once I am debt free! Thank you, United First Financial!" Carol E.

  • "This is a high-quality program. There has been a lot of thought put into it. It is a great money management tool—I love it!" Eric W.

  • "My coach, Jared G., was exceptional!! Super friendly, helpful, patient and knowledgeable are just some of the words I would use to describe him. I am so impressed by the customer service that I always receive from UFirst. Thanks for a great experience!" Charles & Jessica M.

  • "My trainer, Robert, was quick to assure me that I could do this, and nervousness will go away to be replaced by confidence!" David & Wanda Sue P.

  • "Being new to the system, we will be interested to see how accurate the payoff of our initial homeowner’s loan will be using this software program. We are excited to get started." Mark & Kahori F.

  • "Having the Money Merge Account system as my personal financial planner has dramatically changed my life. I went through bankruptcy, foreclosure and divorce in 2001. I know with all my heart that if I would have had access to this amazing tool, it could have prevented all of my 2001 tragedies. Although life has happened, as it often does, since I began the Express Money Merge Account program in July, I still have tremendous hope in being completely debt free! I went from $18,000 of debt being paid off in 9.7 .. down to having it paid off in 2.33 years. I since added parent loans, a car loan and consumer debt, for a total of $30,000, and it will be paid in 3.07 years. That's life changing & why I am passionate in sharing the UFirst story with others." Cathy B.

  • "The version 4 is extremely more user friendly. Also, I find that I am able to see more of what is transpiring with both my creditors and my checking and savings accounts. I would like to thank everyone with whom I have spoken to over my time with United First FinancialI can honestly say that everyone has been very professional, patient and friendly. Thanks again!" Gail & Ronald H.

  • "Special thanks and ‘kudos’ to training coach Nichole P. She was very patient and courteous with me and my many questions and interruptions to our session!" Charles F.

  • "My training experience was very good. My trainer was knowledgeable and very patient with me as my computer skills are minimal. I look forward to a long and profitable relationship with you. Thank you." Mel & Sandy D.

  • "1st-class program." Mike L.

  • "This program has made my life free from the worries of bill paying and staying on a budget. You know where you stand at all times. It is the easiest program to manage your personal finances. Unexpected bills or emergencies never concern me anymore." Cathy G.

  • "I will recommend this product to everyone. It is perfect for whosoever is planning on getting organized and soon out of debt. Congratulations." Ghulam M.

  • "I received wonderful help this morning from Kathy L. She was very patient with me and helped me understand this system better. We will be working together to get me up and running again. I look forward to using the system to the fullest with Kathy's help." Charlotte G.

  • "My tutor was very good and informative at explaining the software." Barbara D.

  • "So far, everything is wonderful." Rick H.

  • "The Money Merge Account software has made my life so simple. Everything is done quickly and easily and there's no stress when it comes to paying my bills. It is a prayer answered. Anyone could benefit from this program if they have a mortgage. The training was fast and they made it so simple to use. Thank you." Charlene S.

  • "This system has truly changed our lives. I am so happy with what we have accomplished so far and often wonder where we would be if we had been doing this sooner. Many thanks to Gary L. for taking the time to educate us and for supporting us every step of the way." Gregory & Donna M.

  • "I really appreciate the professionalism, knowledge and attitude of my coach (Eddie). He took the time to answer and explain my questions. He walked me through my questions to make sure that I understood the procedures as well as the reasons." Christian & Mercy B.

  • "Nicole was excellent. She was clear and sufficient. She made everything easy to understand and was most courteous. We will continue to try and do any further business with her. Also, Barry S. was excellent at presenting the whole program and the benefits it provides. He is a true professional who possesses a very assuring and calming influence when he goes over the program." Stephen & Barbara B.

  • "We like the user-friendly program." Valerie & Joe L.

  • "This program is the BEST thing that we have ever done. It is simple to use and easy to understand. I wish we would have known about it years ago. It makes our lives so much easier. THANK YOU!" Charles & Jackie S.

  • "What a great opportunity to control your financial plan. You know where to start and how to go about getting ahead." Harry A.

  • "Michelle and JG did great!" Claudia M.

  • "Omar P. was a great trainer. I am thrilled that I now have my own personal trainer whenever I need one. I feel confident I can now do this on my own. I am excited about getting our Money Merge Account software working for us. Thank You, United First Financial!" David & Susan F.

  • "I can't wait to get started." Veronica K.

  • "Instead of going figuratively nowhere financially, my wife and I are on track to be completely debt free in 12.25 years. Thank you, United First Financial!!!" Charles S.

  • "James and I love this program. We're still learning the system and have every confidence that soon we'll master it. It's a blessing knowing that, should we need assistance, there's a friendly, knowledgeable coach at Client Support willing to help us out. The entire team at United First Financial, from the initial presentation to the set up of our website, has been a pleasant one. With many thanks." Yvonne W.

  • "Thanks for helping me to get started." Sandy P.

  • "Our trainer (Patrick) was great. He explained things thoroughly and was very patient. I know this program will work ... Once again, thanks to Patrick, he was great." Sincerely, Kyle & Tracey H.

  • "Awesome!" Victor M.

  • "The Money Merge Account system is an absolute blessing for my family and me. For the first time in our lives, we are in full control of our financial future, and the future looks great. I cannot thank United First Financial enough for developing such an amazing tool. Every homeowner in America should be using the Money Merge Account system." Chris & Melanie S.

  • "This is a very effective program, and anyone who understands it will be sold. However, it is hard for some people to understand the concepts of the program. Thanks so much for a program that eliminates debt, instead of creating or spreading debt out over a longer term. Thanks again." James O.

  • "Robert D. did a great job in helping me go through the program. Thanks, Robert! I'll be sure to e-mail you if I have any issues I can't figure out. :) This really is exciting!" Connie & David S.

  • "Our coach was very knowledgeable of the Money Merge Account program. We had some information listed incorrectly concerning our LOC and she was able to make the necessary corrections online. We were very pleased." Samuel & Johnnie Mae J.

  • "One word: AWESOME!" Kerry & Kylie E.

  • "I took a chance on this ‘too good to be true’ program because I was referred by a friend I trusted, and I know enough about finances to catch on. Once I got started, I found it to be worth every penny, and in two months had saved more on my mortgage than I paid for the program and am still going." Chris T.

  • "The best money-management system I have ever seen to get you debt free; I would highly recommend to anyone. Thank you." James P.

  • "Travis G. was very good, and teaching me on a computer is quite the job. Thanks, Travis." Connie B.

  • "Our coach, Katie, was very personable, extremely knowledgeable and helped us in setting us up on our way to financial freedom." Hector Perez & Sarah P.

  • "Good experience." Andy H.

  • "I purchased a house with my best friend last year. Both she and I had considerable credit card debt, especially me. In using the Money Merge Account program, with this considerable credit card debt (and 29 years left to pay on a mortgage) at this point we will be able to be debt-free in SEVEN years!! That is absolutely amazingI thought that I'd never be out of debt!! My friend and I are so impressed that we are going to share our story and help others break free of debt as well. Thank you, UFirst!!" Christle R. & Cathy K.

  • "This has been an amazing program for me and my family. We thank UFirst for looking after the best interest of people in debt. Your company will truly be blessed from God for what help and knowledge your company has given people!" James S.

  • "The Money Merge Account program representative that has assisted me, ‘Michael,’ is excellent. He has been extremely knowledgeable, professional, patient, and available to assist me in working through the program. I am very fortunate." Curtis S.

  • "Our trainer, Kayla, was professional and courteous. We appreciated her patience in guiding us through this process. Thank you!" Ralph & Brenda D.

  • "Thank You, Marie, for your help." Menno E.

  • "WOW!!! Did not believe it at first, but it's true! 4.8 years to pay off!" Cindy W.

  • "I am very thankful for United First Financial. This has given me the opportunity of a lifetime and has changed my life forever." Jeff E.

  • "Travis G. was very friendly and helpful. He was able to quickly figure out what my question was and gave me further instructions on how to better track and record my one- time purchases." D.J.

  • "Our trainer did an excellent job. Thanks for the e-mail address and the opportunity to set up another date and time if we feel we need more personal help." Loris & Lois R.

  • "Jim O. was very helpful." Curtis D.

  • "In less than 1 year I applied $26,700 to the principal, and thanks to the Money Merge Account program I will be debt free in 3.5 years." Dagoberto R.

  • "We are very excited to be starting the program and look forward to the many benefits that it offers. The coach was extremely helpful and patient during our initial session and really put me at ease going into our first month of using the software." Jennifer & Christopher M.

  • "My coaching experience was excellent. This was a follow up coaching based upon questions I still had. Jared G. was wonderful. He called me at exactly the time specified and was courteous and professional. I have a great comfort level in working with United First Financial." Dale & Anna N.

  • "Our trainer was very clear in her explanation of the Money Merge Account program. She was very patient and courteous. She asked over and over if I understood everything and if I had any questions. She did not rush me and I felt very comfortable. I hope when I need help again that I will get her as my personal coach. I highly recommend her." Devida W.

  • "Mason was very patient and helpful." Suzy S.

  • "I get high every time I get on the software. It is an awesome tool. My life will never be the same again. I can see my past, present and future all at one time. There is nothing like this on the planet. Wow!" Patricia W.

  • "Absolutely wonderful program. Did not receive any training once program was bought, just used the online training program, and it's working wonderfully! Makes you think before you spend." Jennifer & Jeremy S.

  • "Persistence and product knowledge from my UFirst agent, Will L., was pivotal in my decision to purchase the product. Over the course of about one year, Will continued to explain the benefits of the system in a knowledgeable and professional manner which proved to be very persuasive, for which I'm now thankful for! The UFirst coach (Tony, if my memory is correct) was also knowledgeable and very helpful in getting my software set up and in explaining the ‘ins and outs’ of it." Damon J.

  • "Our trainer was very professional in a friendly manner. We enjoyed our training!" Ed & Tami L.

  • "Mike B. did a great job." Andrew & Lynsey R.

  • "This program has been an amazing tool to help educate our family on the power of money and has motivated us to manage our budget more wisely. Thank you for creating such an awesome program." Daniel & Ami P.

  • "When first signing on for my software, I was somewhat disappointed that I had to wait for my coaching appointment to get started. I am glad that this is now optional. I think it is a great tool for many; however it is nice that we now have the option to review the tutorial ourselves and get started right away. The Money Merge Account program is changing our lives and we are excited to be able to help others along the way. We are excited to see the next updates on the software and to be a part of UFirst!" Jennifer R.

  • "The sales person who introduced the program was also the person who trained me to use the system. Her name is Kristy A. She did an excellent job presenting the program and an even better job at introducing the system to us. I'm up and going and this will be the first month that I'm using the Money Merge Account program. I believe that I have all the information that I need to operate the system accurately. Special thanks to Kristy. Yeah!! Kristy!!!" Dan & Jennifer M.

  • "Our trainer, Pamela G., was a pleasure to talk with. Pamela walked us through the software with ease and made sure we understood before we moved on by asking us if we had any questions. We appreciated her gentle demeanor, by not belittling us, etc. Some trainers/techs can put forth vibes over the phone that make you feel like a dummy. Pamela was not like that at all. Again, I appreciate that. Thank you." Dick & Pamela C.

  • "Mike T. was excellent. Thanks very much." Bill E.

  • "Even after receiving the training, somehow I made mistakes. My mistakes were quickly repaired by the very friendly people in the support division. I love this program!! Every homeowner should use this system. It pays for itself hundreds of times over. And it is fun to use! Every time a transaction needs to be performed I get a kick out of using the program." Daniel & Louise B.

  • ""This system has changed my life in so many ways. Thanks to everyone at UFirst for giving us the tools for financial freedom for our family." Jerry & Heidi W.

  • "Mason was excellent. So patient and knowledgeable. I'm not good with the computers, but he was great and really made me feel comfortable. Training is really his expertise. He even gave me his e-mail address in case I needed him in the future." Darlene S. & Jerome F.

  • "Karina was very helpful and we look forward to working with her." James & Deborah Q.

  • "My original coach was great. Thanks!" Carmen & Ronald B.

  • ""This is truly a Godsend, which can get America out of debt permanently. If only you could design Money Merge Account program for the U.S. budget." Daniel Z.

  • "This program Rocks! The Money Merge Account program is helping change lives. It's a real program for real people with everyday lives. It's the best way I have ever seen for the average person to get ahead." Jerry A.

  • "In setting up our Money Merge Account program, the coaching was great. Our coach walked us though every part of the program, he was very helpful, and he was knowledgeable in starting us on the road to being debt free. 5 years to go." Dave & Deb W.

  • "Paris is great and very responsive and knowledgeable." Randall & Gina B.

  • "MY TRAINER WAS GREAT!" Shirley H. & John J.

  • "I am absolutely thrilled with the performance of the Money Merge Account software. We have multiple commercial properties and, by using the software, we have a game plan to be completely debt- and mortgage free in about 12 years! That represents paying off over $6 million in debt! Thanks, UFirst!" Dave M.

  • "Because of its simplicity, it will only be a matter of time before I master this program. I am excited to use the program because I know it will be effective." Jerry Y.

  • "Jessica and Robert helped my wife and me for three coaching sessions. They did an awesome job!!! We appreciate the assistance and are excited about using the program. Thanks again!!!" David & Wanda Sue P.

  • "Patrick covered a lot of material in the hour we were on the phone. He was very courteous and knowledgeable, and I look forward to talking with him when I have additional questions. Thanks." Barry & Carol W.

  • "My training was very good." Scott & Mindy R.

  • "We are very excited to find a program like this to help us pay off our mortgage that was hanging over head for a long time. It is a dream come true, because when we bought our home three years ago, I told my husband that we wanted to pay off our home in fifteen years. His comment was, ‘It cannot happen,’ but I told him it that it would. So after three years, here comes the Money Merge Account program to fulfill the word that I spoke by faith, not knowing that God was allowing the wonderful team at United First Financial to help us. Thanks sooo much." Junee & David M.

  • "I couldn't be more excited to begin using my Money Merge Account software. I truly believe that, financially, the program is the most eye-opening program I have ever come into contact with. Truly the best thing to ever happen to me and my family's future." John C.

  • "I would like to personally thank Torrie S. and Rachel S. for the service I received on 12 Feb 09. Both were customer-focused and interested in resolving the problems I was having with the 4.2 upgrade. The problems were immediately corrected. Both are highly knowledgeable and skilled." David G.

  • "Patrick was fantastic. He was patient and helped me get back on track with my Money Merge Account program. He helped me set up the Money Merge Account program and validate my deposits and withdrawals so now I am starting off on the right track. I am feeling much better about my financial future. Great customer service and follow up!" Steven & Susan S.

  • "Patrick did a fine job!" Todd & Deborah W.

  • "If you need to get you and or your family on a plan to become debt free, then this is the product for you. My wife and I have such a breath of fresh air knowing we're getting closer to paying off our home and having NO DEBT AT THE SAME TIME." David & Karen D.

  • "After viewing the training I still had a few questions. They were worked out in the actual activation of the program with the help of a couple phone calls to your staff. I've been on the program since March of this year and have paid down my mortgage by $75,000. Something says that's too good to be true. I still don't know how it works, but I guess it does. There's a skeptical side to me that's waiting for the bubble to burst. But that's my problem, not yours. Given the travail of the nation's economy I hope I can continue producing good news with your program." John L.

  • "All my questions were answered in a way I could understand and I was also able to get a better conceptual understanding of the program." Dean & Renie P.

  • "Patrick was very patient, went back and forth as I asked to see again some transactions that I still had question on or didn't get it on the first time. I really appreciated his help on my understanding of the software. He was very knowledgeable of this product. Thanks to you all." Gilberto & Maria D.

  • "Patrick J. assisted me and he was great." Bernice J.

  • "Using this program has enabled us to pay down $9,000 of our 1st mortgage in just 6 months of using the software. We are thrilled with the results and how it has gotten us in even better financial shape than we were before." Laurie N.

  • "The Money Merge Account program is really a great money-saving concept. In addition, I now try to charge all of my expenses to my credit card which I then pay off at the end of each month with my line of credit. Using the credit card approach for expenses helps me track my expenses betterplus, it reduces my LOC interest." John N.

  • "I believe I am not alone, and that when I get stuck someone will be there to help me. This system should really help me achieve my goals. Thank you." Dean A.

  • "Please be advised that Jessica in the client help department was very professional and went beyond the call of duty in helping me. Keep up the good service, we appreciate it." Lea & Edward G.

  • "Paul provided excellent training." Elbert & Bernice H.

  • "I'm so glad I finally found something that can truly have an impact on my lifestyle! Paying my mortgage off in 1/3 of the normal 30 years will greatly expand my financial options. It feels so good to know for certain that your money really is working for you, instead of vice-versa. Thank you, UFirst!" David A.

  • "We just love it. We are planning on building a home and this is really going to help us achieve our goals." Joi & James M.

  • "I want to take the opportunity to let you know that Marcus is an asset to your company. His knowledge of the program and his ability to explain it in terms that are easily understood is outstanding. I feel confident that I can use the program correctly and I also know that he is there for me if I need him. I hope you realize how lucky you are to have him." Debra L.

  • "Please give Marcus R. a BIG thank you for me. He is truly a gentleman and a professional. I look forward to speaking with him again with any concerns or questions I might have concerning my Money Merge Account program. He knew exactly how to stay on task through each part of his presentation and made me feel very comfortable with the product. Once again, thank you to Marcus." Sandra & Brian M.

  • "Robert was great. Robert was very patient with this problem." Lloyd & Patricia J.

  • "With this system, I will be able to pay off my home long before I retire. And because you can keep the program after you pay off your mortgage, I will easily be able to buy a vacation home out of state and have that paid off as well." David W.

  • "I am excited that it is this easy for individuals to apply principles that banking and lending institutions have been using for years." Joshua & Beth H.

  • "Nicole P. was very professional, knowledgeable and courteous. She was personable and made the session easily understandable." Louann A.

  • "R. S. was an excellent trainer on my one-on-one training to walk me through for the first time on my product. I do appreciate the fact that he offered me to email him directly in case I had any immediate questions, (which I had right away) but it is nice that someone will be there to answer any questions I have. Thanks." Irma & Carlos A.

  • "Sandra was great and patient." Thaddeus P.

  • "I wish the Money Merge Account program was available 18 years ago when we bought our first home. Think where we'd be now!!!" Dean & Doreen W.

  • "Paris was so very helpful, as was Gwen and the unknown lady (sorry, I really wish I knew her nameshe was great) who answered the help line telephone. Now I feel much more confident in utilizing the software. I believe this to be an excellent product, with really good people in your system. Just please be aware that not every one of your clients is a financial expert, and there are some of us who might need just a little more initial structure. I will have absolutely no problem endorsing this program to any of my friends and family. Thank you." J.T. & Barbara P.

  • "The coaching I received was superior. Ted L. was quick to address my concerns and validated my experience with professionalism and courtesy. His response was actionable and afforded me the opportunity to feel very supported and valued as a customer. Thanks to Ted and my coach who was very knowledgeable and patient." Dick B.

  • "Really a great program." Wes & J. B.

  • "Sandra was wonderful. :)" Jefferson & Rebecca D.

  • "I was at the end of the rope on my financial problems. I knew that God would provide a way out and I believe this is it. I make good money, but being a single mom I had worked my way into a corner putting a child though college. I went from $40,000 in debt (not including mortgage of $106,000) to ... I will have everything paid off in a little over 5 years. I now enjoy life again and everyone has started telling me how good I look. The stress level has decreased to almost zero and I now enjoy my life because my money is working for me, not everyone else. Thank you for this service!" Debra F.

  • "This is an instructional guide to stabilize the economic status in our family!" Juan M.

  • "We trained with Mike B. both of us enjoyed his warmth and enthusiasm about working with us. He was very thorough in his presentation of the Money Merge Account product. He answered all our questions and gave us the tools we need to begin operating our dashboard. Thanks, Mike. Thanks, UFirst." Jenny and Don F.

  • "When Paris from your company got involved everything became much clearer. He did a terrific job of researching my issue and explaining where the disconnect occurred. He was great at following up. He totally fixed my problem and reinstituted my faith in your product. Thanks, Paris." Rick B.

  • "Thanks, Christian!! It was very good!" Kip & Tammy B.

  • "This software is a great tool. In just the last six months I paid down a few thousand dollars on principal, and I also can keep track of all my finances." Dennis & Pat H.

  • "I am VERY happy with the Money Merge Account program. We were in a situation with our credit where we were not eligible for a LOC, and at the same time the housing market was 'crashing' in our area. It seemed like lending practices were changing almost daily, and because of that we hit a few bumps in getting our loan set up to do this program. However, our agents, Annette E. and Pam H., went way above and beyond in order to help us get the necessary credit accounts set up, which would allow us to use the Money Merge Account program to our advantage. We will definitely recommend this to everybody, especially when we get to the point where we've made a couple of "funds transfers" and have started seeing a noticeable drop in the principal balance on our mortgage. We're scheduled to make our first funds transfer next month!" Keith & Sue A.

  • "The gentleman I spoke to was very helpful. I was very pleased and excited on our new adventure to financial discipline and freedom." Dwayne & Connie D.

  • "Recently my wife and I needed help. Sam G. was helpful to us." Robert & Nedra S.

  • "Thanks for the support and help." David & Michele B.

  • "This is the best thing that could have happened to us financially. With the risks and other uncertainties in the economy, this provides us with a stable guarantee that we can be debt free and have the time required to save for retirement. Thank you so much for sharing this with us!" Derek & Kendra C.

  • "I am just starting this today and am very excited to do so. I know I will start out slow, but everything is very easy to understand. For the first time I feel I finally have complete control of all my finances. Thank you very much." Keith & Wanda H.

  • "Missuki was very professional and encouraging during the coaching. She worked with my goals and information, which kept my interest up. Great in getting me up to speed. Thank you." Anne M.

  • "Ruben was an excellent trainer, especially considering that he is new to the team. He was courteous, professional, and chooses interesting scenarios to play with the account. Thank you." Benjamin & Leigh Ann J.

  • "The lady who helped me was really great." Mike S.

  • "With this program, I will be able to be debt-free in 2013 thanks to this program. I will recommend this program to all of my friends. Thank you." Dobbie H.

  • "I am thoroughly excited to begin this software program! After seeing the initial presentation, I decided that it would be silly for me not to give it a shot. I thank my agent for his patience in training me and his knowledge of the software. I can only hope that I will be able to convince my friends and family to start using this software as soon as possible. Wish me luck!" Kelly & Stephen F.

  • "The training I received was very professional and understandable." Earl H.

  • "Sandra was very easy to work with and covered everything we need to know in a very professional and friendly manner." Dan and Nancy H.

  • "My husband and I are looking forward to retirement and this program is going to help us get there. I have also spent many thousands of dollars to loan companies over the years, and wasted money trying to save money by refinancing loans. It was all an expensive waste. This program is going to enable us to get little back from them, by not paying all that interest they expect from us. Yahoo! :-) It warms my heart! Thanks to all of you helping get this program out to us little people. We thank you from the bottom of our hearts." Don & Kim E.

  • "The UFirst representative was very patient while we did our training session. The program is easy to use and I feel that anyone could use the program. I feel that UFirst will help anyone change the way they utilize their money. Great program." Kenny & Beth L.

  • "Shannon O. was very helpful and helped in a way I could understand. Thanks so much." Ed F.

  • "Shane helped upgrade my Money Merge Account program from the older version very effectively and courteously. Thank you Shane." Samarendra & Trpti B.

  • "The trainer was excellent and very knowledgeable." Betty S.

  • "I was recently widowed and had to take control of the finances. I started in October and will burn my mortgage in about 2 months. Thank you to all of you who made it possible! Sandra on your team was very patient and supportive. Thank you, thank you all so much." Donna B.

  • "I have just received my activation information; I went online, logged in, viewed the quick start training and then began using the software all within 1 hour! So far it is simple to use. I am looking forward to great results with the program. I have already made some assumptions and changed some information and can see how my actions will dictate my goals --- THIS IS AWESOME!" Lawrence J.

  • "The coaching that I received was just outstanding. Patrick answered all of the questions that I asked. The answers were given in a manner that I could understand them. He was very patient with me. I even received a phone call on my cell phone, and he gave me time to answer. I was able to get the call done in less than a minute and then we continue the training and I was able to focus on the issue at hand. Thanks Patrick." Ed & Donna J.

  • "Spoke with Kaylee and she was VERY patient with me and guided me through the program. We updated the numbers to the exact figures. She set up an appointment with me at MY convenience and was kind not to hurry me off even though she had an appointment within minutes. She waited until I understood what we did and explained how to execute and proceed with my Money Merge Account program. I look forward to speaking with her again. I am very excited to continue on with my program.Thank you." LuAnn V.

  • "The training session on Monday the 14th was extremely helpful." Lane & Julie W.

  • "The program, to me, was heaven sent ... just the answer to the question I always had and never thought someone would ever come up with. I thank God for giving these guys the wisdom to (in a way) invent such a program, which, by their efforts, is bringing so much happiness to so many people in need. We as a family are extremely happy to get this great benefit and would like to add that we went to the convention just this past weekend and met these great guys who will be bringing more benefits in the near future. I just don't have enough words to describe what I just received by letting an agent talk to me about the Money Merge Account program. Thank you, thank you, thank you!!!" Ed D.

  • "I am very excited about the amount of money that I will both save in interest and earn by investing, thanks to this software!" Lee & Kari B.

  • "I found George to be very patient with us." Edward D.

  • "Thank you Alex, you were very helpful. I was so grateful that you agreed to help me when I had problems getting into my new program." Judy & Dean L.

  • "The trainer was very patient." Jay & Patty N.

  • "This program was an answer to prayer. We had a second home ready to rent, yet owed too high of a monthly bill. With the Money Merge Account program, we paid off that home and are now generating positive cash flow. This cash flow is helping us to stay on track to pay off our current home in 7.5 years! To say that we love the program would be an understatement." Ed G.

  • "We are very pleased with our Money Merge Account program. It is fantastic and the results we are seeing are fantastic. Keep it up." Lee and Shana J.

  • "Every time I call with a question, everyone is very polite, courteous and especially patient. My last conversation was with Shannon O. Thank you." Ed D.

  • "Thank you Andres, your coaching was excellent!" Nancy & Lance W.

  • "Very knowledgeable trainer!!!" Angelica & Edwin R.

  • "I have always been very disciplined about paying extra on my mortgage. I also had dreams about teaching younger people the power of understanding amortization schedules. And, I had effectively used portions of the program to pay off my previous home. At first I had doubts --- but now, with power of the Money Merge Account program, I'm going to pay my present home off in record time! The program has empowered me to be even more aggressive than ever. The best part is that it accurately tells me exactly where I'm at any given moment to a free and clear home. Thanks so much! I wish I had heard about the program sooner! You guys are changing the world." Edward & Rene H.

  • "The Money Merge Account program is very user friendly and we are so excited to have found something that can help just about everyone." Lawanna P.

  • "I would like to acknowledge the excellent support that I received from Sandra S. She was very kind, patient, enthusiastic and innovative in her approach to my problem-solving needs with the Money Merge Account program. She really helped me to simplify the entire process, making it much easier to manage our account. She is a great asset to this program!" Edward H. Jr. & Allene S.

  • "Thank you for such prompt service. Mike B. was friendly, very informative and helpful." Jimmy & Maureen T.

  • "Well done! Thanks a lot Mason!" Mike K.

  • "Excellent system for giving real-time goal progress. It's good to see how deviating from your budget will affect your long-term goal. This program has given me new hope for quick financial success and freedom." Edward & Susan T.

  • "I am very pleased with the results of the Money Merge Account program. This program will help change my financial future and my children's future. This is truly a tool that will help my family." Loran & Angie O.

  • "My coach was Tory S. She really did an amazing job!" Eileen K.

  • "Thank you for the many options for training. Your trainer showed courtesy, knowledge and an interest to ensure my understanding of what to do, when and why. Your program appears to provide hope for financial independence." Bunny D.

  • "All is GREAT!!!" Kevin & Carlene C.

  • "This is the first time that I have ever felt this comfortable with the household accounts. My husband is retiring in 3 years and I really thought that we would not be able to keep the house ... but on this program, we will be okay. Thank you again." Elaine D.

  • "I have been very excited and pleased with the Money Merge Account software. I'm just anxious to convert to the V.4 software! I've just been using the software for a few months and can't wait to make a transfer. Thanks!" Loyce M.

  • "Eddy L. was a pleasure to work with. Very friendly and answered all of my questions. Also, this new version is much more user friendly." Ellie & Paul W.

  • "Thank you for your help. You did an excellent job in representing this program and I learned more today, since I have been on this for almost one year." Jean Y.

  • "I am very excited to be a part of this program. It isn't often a product comes along that actually benefits someone as UFirst's Money Merge Account program does." John S.

  • "I find that I am paying off my bills more efficiently; and, even though I have not been prompted to make extra payments, my mortgage is down and so is the line of credit. I find that I have more flexibility in paying my bills. My credit score has improved dramatically (no more late payments --- there is always money in my account). It's helped me out a lot in setting and reaching my financial goals." Elba F.

  • "I have loaded my expenses, payments, etc., and I am thrilled with the payoff information and timing. This program will enable me to truly monitor my spending and probably nudge me into a tighter control of our spending. That payoff panel really makes you consider the consequences of a withdrawal, etc. Thanks!" Lynn B.

  • "We enjoyed the presentation and look forward to using the program." Emmanuel & Irene B.

  • "Thank you for your patience in helping me learn the program. I am very comfortable knowing you will be there when I do not understand some detail of the program and you will lead me through. Again, I thank you." Sophie & Sergio G.

  • "I love UFirst!" Lee J.

  • "My husband and I have been using the Money Merge Account program for maybe 5 months now, and we are extremely excited about the impact it has made so far on our mortgage. We wish we had known about the Money Merge Account program 3 years ago when we first purchased our home." Enoch & Paula J.

  • "I received my telephone call exactly on time. Laura was my trainer; she was very knowledgeable on the program and was able to answer all of my questions and assist with my personal profile. I am so excited that I am going to be debt free in just over a third of the time I originally anticipated!!!" Mandy C.

  • "Jake did a very good job explaining how the Money Merge Account software works and I feel confident using it. If I do hit a snag where I'm not sure what my next move should be, I know Jake will walk me through what to do." Eric & Colleen F.

  • "Thank you, Paula, for helping training me this morning! I can't wait to get started and I'm so glad I found UFirst!" Casey M.

  • "Set up help was good with the toll free number." LeeAnn & Scott W.

  • "The program is great!!! I find it easy to use and have reduced my mortgage by $18,000 in less than 10 months. As I have 2 sons who will be going to college in 7 years, I look forward to packing away lots of funds when my mortgage is paid off in Jan. 2011." Eric & Lisa K.

  • "A powerful system. Thanks." Max & Marie G.

  • "My coach (Eddy) was great and answered all my questions. My agent, Leverett W., was a great help in steering me to financial freedom. Thanks." Eric & Kim B.

  • "Thank you, the training was very helpful, since I learn by seeing better than other methods. I am so thankful to have this program. Thank a million." Dana

  • "Everyone I have talked to has been very professional, and helpful." Jim S.

  • "My wife and I dropped over $10,000 off the principal of our mortgage in the first 6 months of using this program! We have been very pleased and excited about the results that we have seen. The program indicates that our 30-year mortgage will be paid, at this rate, in just over 9 years. The program is simply brilliant!" Eugene S.

  • "As owners of the software, we are very excited to help guide our financial future. Thank you so much, and God Bless your efforts." Mel & Judy R.

  • "Thank you for your hands-on training. Your coach, Mason, is very patient, well-trained and detailed. This application becomes easier as it is practiced." Ethel B.

  • "Thanks for helping me to understand the Money Merge Account concept and for walking me through to get started on knocking our interest and 1st mortgage down quickly."Archie & Carol S.

  • "Everything sounds good. I am just anxious to see results." Elida L.

  • "I want to give you a testimonial. After going through the UFirst introduction and analysis, and before purchasing the software, I looked up and evaluated Harj Gill's program and software. The cost was $200 and it seemed the savings would help us meet our mortgage debt goals much quicker. Not to mention the concept originated from Harj himself. The decision seemed very easy to make on the surface. After further investigation, it seemed there was no one to speak directly to with any questions before purchase, and if you wanted any live support after purchasing the product it would cost $600 for a limit of three months. There were other add-on costs and only local user-group meetings in which to share ideas. Where was the support to be found by professional people who understood the system and software inside and out? Where were the salespeople to answer any questions about their product for us to compare and make a decision? So.. after all was compared, we wanted to go with UFirst because of the knowledgeable support from our local agent and to get the hand held support we have just received from our Coach (Adam, in Utah). We also know we can call on your great support team at any time in the future when we have a question or problem. Our money has been well spent because you are there to help us reach our goals whenever needed." Rebecca P.

  • "Being in debt can make a person depressed. It happened to me, but with the Money Merge Account program I can see our way out. It's been a special blessing being introduced to this service and I would recommend everyone taking a look at it." Michelle & Damon C.

  • "The professionalism and courtesy is insurmountable. Thank you." Gene M.

  • "Thanks for the convenience in using this program. Your representatives are very helpful every time with every question. Thanks again." Steve & Hollie W.

  • "Excellent coach!" Dennis M.

  • "Our coach trainer, Shaun P., did an excellent job in walking us through the program. We have received more personal confidence in the program after working with him. It has given us HOPE in our financial crisis. We are excited about our financial future. This program gives us more than light at the end of the tunnel." Frank S.

  • "The training documents were clear and explained very well what we will be doing to implement the Money Merge Account program. I like that the documentation is available online so I can refresh my memory if necessary, and not have to call anyone (even though they may be available). So far, so good!" Nancy & Randy W.

  • "Tori S. was so very professional in coaching me. If, in the future, I encounter any problems, she told to me call her back again and that she will always be ready to help solve any problem." Francisco G.

  • "Thanks for the outstanding training! We are looking forward to using our Money Merge Account program." James & Jennifer J.

  • "Excellent product." Marcus & Cheryl S.

  • "The software program is very user friendly. Our house will be paid off (conservatively) in 7 years. We are excited to tell others about this enabling software, and hope that UFirst won't sell out to some large organization. We showed this to our financial advisor and he was amazed at the achievable savings. Thank you to the UFirst team for radically affecting our financial future." Gabriel A.

  • "Three people from your office called me today to help me. I was very impressed with the service. Thanks for your help. This is going to be fun!" Nancy R.

  • "We personally found that our coach is very knowledgeable and excited about the SYSTEM!!! We are very excited also that this opportunity has come to us at a very (how should I say this?) ... at a time when we are ready and desiring something NEW!!! To HELP us and others to SAVE, BIG TIME!!! Our coaches, Ted and Toby S., are AWESOME!!! They are very learned in what they are doing; they have exceeded our expectations and passed onto us their excitement!! We haven't even begun to see the results yet, but we know that they ARE coming and WOW!!! Thank you." Patricia & Chip R.

  • "Thanks so much to Pamela G. Her professionalism was outstanding." Clifford O. M.

  • "Excellent program and benefits." Edward & Emelda A.

  • "Excellent product! Wish it were available forty years ago (I could have saved a ton of money). In learning and understanding this product, it has created a new outlook for the way I'll manage my financial future! Thank you, UFIRST!!!" George & Ethel H.

  • "I started the program in May 08 --- I am still learning the fine points in managing the program, but Patrick at the Utah office has been so helpful in helping me with my monthly reconciliations and explaining how the program works. He has always been patient with my many questions every month and he is a great asset to your company. The webinars have also been very useful in learning the program. I watched 3 webinars before I finally felt that I had a grasp on things, and the instructors were also very helpful in answering my online questions. I'm very excited on how this program is helping me to pay off the debt on my home so soon. I am looking forward to version 4 of the software and seeing how that version will help in paying off my other debts in a more proficient manner. Thank you for this program and helping me achieve financial freedom." Norma P.

  • "My trainer, Travis G., is excellent, very patient and capable of explaining the system." Frank D.

  • "Thanks soooooooo much for the professional fast response for my problems." Randy C. Natalia M.

  • "Excellent Program!" Joseph S.

  • "Today, 2-12-09, I spoke with Megan G., and she was terrific. She updated my account in lightning speed. She is very, very good. As a client for 2 years, I must say this program is working outstandingly. When I signed up, I owed 26.2 years on my home. After giving you all my information, the program showed I will pay off my mortgage in 9.7 years. Wow! I thought that is great, especially considering I would be 93 years old when my mortgage would be paid off (2003 to 2033). Now, here is the real kicker: today, 2-12-09, I signed up for a rate lock-in program at my bank and locked in an interest rate of 4% for 84 months without any cost to me. Now it looks like I will have my mortgage paid off in 2.75 years from today. The way I figure it out, is my mortgage will be paid off in October, 2011. That is a savings in time of 22 years, plus a lot of interest savings. Does the Money Merge Account program work? Figures do not lie. I am as happy and satisfied as possible. Thank you, United First Financial, for this outstanding program." Gerald S.

  • "This is a great program that helps to clarify goals and manage finances." Phillip & Margaret O.

  • "Jared G. was wonderful. Thank you for the program. I will be doing my best to get the message out, to help secure our financial future." Susan S.

  • "The ‘coach’ was very patient in answering questions and allowing time for me to understand the processes of the program and what the accomplishments can be from it. Appreciate that very much!" Wayne & Janie G.

  • "Excellent trainer." Rebecca S.

  • "Wow, I just sent off my first funds transfer of $3,545.15 to help pay off my mortgage! I would not have been able to do that at this time without the Money Merge Account program. Thank you, United First Financial!" Glenn & Joyce E.

  • "I have only started using the Money Merge Account system for a few days, but the training was easy to follow. It provided a very good overview, as well as step-by-step instructions. It also provided a few ideas that I had not considered when this was presented to me on ways to make the account more profitable outside of its primary goal." Ray & Angela Z.

  • "This is an excellent program and will no doubt help me to stay within my budget plan. Everyone I've talked with at United First Financial has been very professional, kind and very helpful. Thanks to all of you for everything that you do and for your excellent support. :)" Gayle J.

  • "Your representatives have been very helpful and knowledgeable. Thank you." Mark L.

  • "The program looks good. The training so far has been very helpful." Bill & Maria J.

  • "Your program was my only way to get this house paid for before I retire. Thanks for coming up with this program. It opens your eyes to what you really spend a month. If all goes as planned my home will be paid for in 6 years (not 24) and all my other debt will be gone too. Thank you again!" Howard M.

  • "United First Financial has been a Godsend. Once I was up and running, I organized myself further by registering for online banking to make transactions easier. I then signed up for automatic bill pay with most of my utilities by using a point-earning credit card, which I then just pay off at the end of the month, thus avoiding interest charges. Not only is United First Financial helping me to eliminate interest, but it motivated me to simplify my life." Rhonda F.

  • "Rudy S. was great! He was courteous, patient, thorough, and as a new user I appreciate that he was reassuring. I know I'll have questions and need additional assistance and I'm glad that I have a ‘go to’ person who will be available to answer my questions along the way. Thank you." Jane W.

  • "Jonathan assured me throughout the training that I could email him as often as I needed to ask for help. He did a great job!" Nancy & Wayne C.

  • "GREAT JOB!!! Thanks." Jimmy G.

  • "I want to thank UFirst for giving us hope of one day having our house paid for. We are scheduled to pay our house in 11.4 years --- that's 18 years earlier than we expected. That's incredible! Thank you again for helping us reach our goals." Isaac & Shirley C.

  • "I love watching my debt decrease each week. This program really keeps me on track and allows me to plan for the future." Richard & Sandra C.

  • "I have a much better understanding of my Money Merge Account program software after the coaching help from Jessica. I truly appreciate her patience as I tried to grasp a better understanding of the program. Again, thank you Jessica." Gerald E.

  • "My coach was very professional." Mike & Cee Cee P.

  • "Great job. Thanks for the help." Marc & Emily P.

  • "We were initially projected to payoff in our analysis in more than 15 years. We got the software and put in our info and were on schedule to payoff in just 13 years. Now, after having used the software for only 3 months, we are scheduled to payoff in just 11.833 years. This is due to the ‘dashboard’ focusing our intentions to move us toward our goal of being debt free." James & Jessica D.

  • "It just makes it so easy!" Richard H.

  • "I had some questions regarding operating my Money Merge Account program for the first time. I called Customer Support and spoke with Michael S., who proceeded to answer all my questions in the most cheerful and courteous manner. My first impression ... and I'm impressed! Thank you." Gina & Matthew B.

  • "Our coach was very patient and well trained. She is willing to review our progress in a couple of months, which we find very helpful. Thank you." Doug & Jeanne D.

  • "Great program and service overall! Thanks." Lisa S.

  • "This is brilliant, to say the least. I wish I knew about this software much sooner. My husband and I are able to rest much easier knowing our house will be paid for in MORE than half the time of the life of our mortgage (8 years instead of 25 MORE years!). This is incredible." James & Mary A.

  • "The system works if you work the system. It takes discipline and holds me accountable to myself. It is a comforting feeling knowing I am paying down my debt much faster than I would have before and I have a buffer in my line of credit when 'life' (unexpected expenses) happens. Everyone who has a mortgage and wants to take control of their financial life should know about this simple concept!" Rick H.

  • "My coach today was Caleb C., and he was very easy to understand, friendly and professional." Ginny W.

  • "The care and enthusiasm was very good. Everyone I was in contact with was courteous and showed a willingness to help." Joyce & Randolph S.

  • "Great program." Mike & Geralyn F.

  • "Being a single mother of two children, I have weight off my shoulders that I went from 26 years to pay off my mortgage to 6 years. I'm thankful for my friend that introduced this software program to me (Jack K.). I believe so much in UFirst, I'm going to help other people." Janell B.

  • "Along with the simplicity and ease of use of the Money Merge Account program, I have to say that the help support was top-notch. The online training got me going in the right direction and the questions I had about the software were answered by the customer support line quickly and efficiently. I'm a satisfied customer." Robbie & Janet M.

  • "This was a very user-friendly experience; the training coach was very knowledgeable and polite. She was also very patient and answered all of our questions. Mary was able to address several of our questions that were out of the norm --- very impressive. This training session experience will be extremely useful for clients, as well as our colleagues and us." Glen & Margaret Z.

  • "The coach was very professional and courteous. He was also very patient with my questions. I have confidence that I can use the software efficiently." Lucy A.

  • "Great Program." Ella Jean M.

  • "This software has put my finances on auto pilot. I no longer have to worry about where I'm getting the money from to pay my bills. I no longer worry about paying TOO much on any given debt, only to fall short at the end of the month. This software is awesome."Jason E.

  • "This system is awesome! I wish I would have started using it sooner. I believe everyone should take advantage of the information contained in it --- so much so, I have been telling everyone about the results that are possible if the plan is executed properly. Keep up the good work!" Bob K.

  • "We were thoroughly pleased with our training session. Tory S. was our first impression as we were unable to view the training video prior to our phone call. We hung up the phone excited to embark on our new journey. She did a great job. I know that there will be questions in the future. Learning is a process. However, she made us feel confident that if we do have questions to be sure to call customer service. We are impressed with UFirst and look forward to becoming financially debt free as we work this program together." Greg & Rae Lynn S.

  • "The coaching helped me to understand the program better and was very helpful in answering any questions that I had." Chere & Dave T.

  • "Great Program." Gary & Linda D.

  • "The Money Merge Account program has given me some hope that I might be able to be prepared for the future. Before, I figured that it would take me another 25 years to pay off my debt. Now it looks like I can do it in 10 years or less. I am pleased and look forward to seeing how quickly my debt goes away." Jason H.

  • "Our Financial situation is a unique one. This program will take us into a better financial future. We have hope again in our dreams of paying off all our debts and possibly retiring someday. When I first began this program, I was in the old school of thinking, and budgeting. So, it seemed to me that this wouldn't work for us. But as I sat down and was entering the information and watching it work, I could visualize the future and how we could make our finances work for us, instead of us working for our finances. Thank you and our agents for showing us the way. God Bless." Robert & Tammy S.

  • "I love this awesome program, and Eddie was soooooooo helpful! Thank you." Hanah H.

  • "The coaching I received from the trainer (Kayla) was excellent. She was very professional and knowledgeable in her coaching of the Money Merge Account program. I felt very comfortable with her as my coach, and I look forward to applying what I have learned in my first session with Kayla." Maurice S.

  • "Great program, looking forward to achieving our financial goals using this program." Philip & Kathi W.

  • "I have been enrolled in the Money Merge Account system for 10 months and my family has been able to take our principal balance down dramatically over that period. The only regret I have is that I did not know about this earlier in my mortgage. When we first received the presentation, my wife and I were a little skeptical, but now we know we made the right decision. Not only do we have a new addition to our family, but my wife is able to stay home with our daughter. We have been able to continue our remodeling and purchase many things we normally may not have thought we could, just due to the simple fact we wanted to pay heavily on our principal to lose our PMI insurance. Now I can proudly say we have taken the principal balance down $10,000 just since January, lost our PMI insurance and feel no discomfort with our financial situation. Even with the high fuel bills and heating oil increase, we are financially secure thanks to this program. Thanks again." Jeremiah H.

  • "This program is awesome and I look forward to using it for a long time. The training is great and allows you to start with no problem. Thanks, United First Financial." Roger L.

  • "I felt very comfortable with Diana T. She was extremely supportive and made it easy for me to ask questions and try things while she was there to ease the way for me. It was a pleasure working with Diana." Harriet A.

  • "I am anxious to get started using the Money Merge Account program." Charlie & Gloria V.

  • "This is such a wonderful Godsend! I will now be able to pay off my house and send my son to college." Jo Ann M.

  • "This is a great program. It started to save me money within 3 months. Well worth the money." Ron W.

  • "I really appreciated Jake's enthusiasm and interest in my concerns. Though I still have some hesitancy in working this program, Jake moved me further along to confidence. Jake was professional without being 'canned' or robotic. He did a great job in building a rapport with me, asking about my life and showing actual interest. I feel very comfortable knowing I can e-mail him with any concerns or questions. Please, if possible, pass along my thanks to him and his supervisor." Helen M.

  • "The coaching was very informative. The representative was friendly and very eager to answer any questions I had." Annette S.

  • "I am just beginning with my Money Merge Account program but the seminar was very good and the question and answer period is very convenient." Robert & Joann A.

  • "Funny ... after feeling like I would never get control of my finances, I have hope. UFirst doesn't take your software money and run. They pursue you to achieve your goals. Your goals become their goals. I am so grateful and would highly recommend this to anyone with a desire to become debt free and succeed in being a wise steward of your resources." Joanne D.

  • "I am just beginning the Money Merge Account program, but I am very excited. So far everything has been so clear and smooth." Ronnie & Susan G.

  • "Mike B. has helped me for the past two times and was very informative and increased my confidence in the program. I was a little apprehensive because my balance on the HELOC was so high, but he reassured me that it was okay. Apparently I'm on the right track. I will continue to call whenever I have a problem and know Mike will be there to assist me." Edwina W.

  • "The gentleman who guided us through the program the first time was very professional. He was very willing to repeat himself and re-explain things that I didn't get the first time. I'm really excited to get going with this Money Merge Account program!" Kelan & Stacy B.

  • "I am just getting started, but so far I am very pleased." Toby E.

  • "This is a wonderful product. Wish I'd known about it 10 years ago and my house would be paid off by now." Joe F.

  • "I'm excited about using this program to help me to pay off my mortgage in half the time and save thousands of dollars in interest. Thank you, United First Financial." Rosemary M.

  • "Our trainer was great, we lost our internet connection and he patiently waited until we regained service. He was also very kind and understanding --- we would gladly work with him again." Jacquelyn & Hallie J.

  • "My trainer was super nice and helpful! The program is fantastic! Thank you." Jeannette G.

  • "I am just getting started, so far so good. Thanks for all the information." Jim & Bambi C.

  • "Thank you, UFirst! Buying the Money Merge Account software it is best financial decision I ever made." John & Deborah J.

  • "I am sure the more I use it, the more comfortable I will get with it. I don't find it difficult. It helped to have a nice, patient trainer." Sharon R.

  • "Have been on program for 1 month now, and of course many questions have risen. I always make effort to contact Randy C. as my rep. Top-notch in my book. Always performs above & beyond!" James M.

  • "The person who helped me was very clear. He showed me how to change my account if I do something. He also answered my questions and he made me feel comfortable." Rafael S.

  • "I am just learning the Money Merge Account program. The available training tools have been beneficial." Gregory & Anita P.

  • "I was a skeptic when I first heard about the Money Merge Account program, which was supposed to be able to pay off our house so fast and not cost us any additional money. My husband is the one who actually bought into it first and made me a believer. We are so excited about what this is going to do for us in not only being able to pay off our house, but what it is going to do for our retirement as well. Thank you UFirst!" Jamie M.

  • "While I am new to the system, it seems to be working well, and was very easy to use. I wish that we would have used this earlier." Stephen & Loraine C.

  • "Mason was incredibly patient with me and very willing to re-explain things over and over for me. I have some short-term memory loss and greatly appreciated his ability to even explain the plan in different ways to help me grasp the information. I feel confident in contacting him in the future for any further help that I may need." James & Heather R.

  • "The presentation was effective. The training information was good. The real benefit was the individual training received from the over-the-phone agent. He did a fantastic job walking me through the process and getting a better understanding. Thank you." Thomas L. G.

  • "I am just starting my Money Merge Account program, but I am looking forward to putting it into use. Thanks for this software program." Mary M.

  • "I am extremely pleased with UFirst. This product is the most amazing thing I have ever used. The money that I am going to save is huge, and the time factor in paying off my mortgage is incredible." John & Kim M.

  • "As a Financial Advisor, I love the Money Merge Account system. It really helps to keep me on track with all my financial goals. I urge everyone to use it if they possibly can. Thank You." Steve M.

  • "Video training was concise and to the point. It was easy to follow and remember key points. I have always had an excellent experience with all support personnel." James H.

  • "I was connected with Randy C. and he was patient and helpful in getting my problem solved. He was able to connect me back to my login page. Thanks to Randy!!!" Ronald & Gloria F.

  • "I am really excited about this program!!! Thank you so much for your training." Linda D.

  • "We had 28 1/2 years left to pay off our mortgage of $200,000 and $82,000 of consumer debt. Our UFirst agent showed us how to pay it off completely in 11.5 years. After being on the program for our first year, we are ahead of our original projection and will be completely debt free in 8.9 years. This program has taught us so many things to help us with our understanding of money management. We will achieve our financial goals because of UFirst and the Money Merge Account program." John & Laura P.

  • "I wish I had found UFirst years ago. It's magically simple and yet has a huge impact on one's financial life. Thank you for your wonderful program!" Steve B.

  • "I called for assistance on the Money Merge Account program today (4/29/08) and spoke with Mike B. He is a wonderful asset to this company and was very helpful! I will keep his extension on file if I ever need further assistance! Thanks for a great product!" Jami G.

  • "The technical support was very helpful and she was very kind and cheery." Ralph & Jo H.

  • "I am so looking forward to using my Money Merge Account program. I'm looking forward to working with the UFirst team." Quila R.

  • "I love this product. However, my love for this product isn't just because of what this company can help our family achieve but also knowing that my single working mom can now be debt-free in 5 years and be able to retire is worth everything to me. She had 27 years left until the Money Merge Account program came along so it really is 'personal' for my family. Thank you again for implementing such a great product in the face of all the obstacles!" Sean A.

  • "The system is worth the cost. I can see where my goals are going to take me." Steve M.

  • "The types of accounts and transactions are highlighted for easy use and can be picked out easily. The coaching session was very helpful, the coach very knowledgeable. This system will be greatly effective in helping me to clear my mortgage. Thanks." Janet G.

  • "The trainers have been very personable, knowledgeable, patient, and professional. I always get a call back, and my questions/problems were addressed." Paula & John M.

  • "I am still learning how to use the software. I do love the assistance I can get over the phone. That has been helpful." Sean T.

  • "Skeptical at first, as I used the software and saw the results, that quickly evaporated into simple amazement. We are on an ""interest-only"" loan that we knew had to be upgraded before the second mortgage's five-year ARM expired. In two years of doubling the payment when possible and always throwing extra money at the second mortgage we eliminated about $3500.00 of the principal. On the Money Merge Account Pro, in four months' time, we knocked off 33% with another 28% funds transfer scheduled in November. The whole second mortgage is scheduled to be paid off by 10/09. We will beat the ARM by almost two years. The first mortgage ARM is 10 years, which will also be paid off before its due. Am I excited? You bet, as I watch these results continue to mount up." John C.

  • "Excellent program! I can't wait to get started on this fabulous money saving journey!!!" Steve S.

  • "I called in today to ask a simple question about my Money Merge Account program, and I must say that I was quite impressed with Mike B., one of your reps. He answered my questions in detail and also gave me some added tips about how to set up my account. He was extremely helpful and patient with all of my questions." Polly F.

  • "The training I have received was very professionally done and my trainer was very knowledgeable about the product. I have learned much more than I expected in such a short time. Thanks UFirst." Hopeton & Sonia S.

  • "I am very excited about having the Money Merge Account program as an important financial tool." Rebecca R.

  • "I approached my husband numerous times over our 26 years of marriage, to sit down and formulate a budget plan, but he has never appreciated accountability as much as I have. After much research I decided to take a risk and make an executive decision to purchase the Money Merge Account software. I want to share with other wives who want to gain better money management skills with a simple system. This program is beyond anything I have ever seen as far as mortgage accelerators, despite what anyone says. This is by far the best laid plan I have ever had the privilege to be a part of, and guess what? My husband is happily on board! Thank you all for your outstanding customer service!" Kellie F.

  • "The PowerPoint presentations and the Webinars gave me what I needed to take off on my own. I'm extremely excited for the Money Merge Account program to help us take control of our finances and pay off our mortgage in a fraction of the time it would have taken. I'm just scratching the surface of the power this software gives us." Steven & Mary H.

  • "First off, the Money Merge Account program is all it’s cracked up to be. I had a few questions going into the coaching session, but they were all answered and I'm ready to go." Jared D.

  • "The training I received from Jason this evening was very professional therefore enabling me to understand. I'm excited to begin using the program right-a-way." Ken & Jana K.

  • "I am very excited about the credit card option. Thank you." Janice I.

  • "We are so relieved to have found UFirst. We have always wondered what it would feel like to own our home. But, since our payoff was so far away, it didn't feel like a possibility. Since we have been introduced to UFirst and we can really see an end to our debt, we are so excited that we can hardly sleep! We've taken our debt from 27 years to 12 years to be paid in full! Most likely, we will have it paid off even sooner! Thank you, UFirst!!!" Joe & Crystal T.

  • "I really love this program, and the Money Merge Account program staff is very knowledgeable & helpful. Thanks to Tori S. for all the help. Keep up the good work." Sulma P.

  • "We are super excited about our Money Merge Account program! We have had all of our questions answered quickly and effectively! Mike B. made our training great! He is friendly and took the time to make sure we understood each step in the process! Somebody give him a raise! He is tops!" Jason & Traci H.

  • "The training session went well. There are a lot of things to think about, so I'm ready to start." Richard & Patricia P.

  • "I am very excited to get started using this software. I believe in the benefits it can provide and will share my experience with friends and family." Roger & Kristi S.

  • "I love the Money Merge Account program! In just five months I have saved over $44,800 in interest. Believe it or not, I get excited every time the system tells me to make an extra payment to my first mortgage, because I know that means I'm just that much closer to being done!" Joyce R.

  • "Thank you to the UFirst Team in assisting my family with my plans to be financially successful. I feel very confident in achieving my goals by having this program and with the assistance that I've started to experience with this help today. Thank you again for the help." Tanya B.

  • "I was quite impressed with my trainer, Paul. He was courteous, professional and apologized for the delay when your phone system had to be updated during the training session. He is an asset to your company and should be commended! I am very excited to become part of this Money Merge Account program and UFirst company. As a single mom, any tool that will enable me to pay off my mortgage is a huge asset in my life! Thanks so much!" Jeanette M.

  • "The one-on-one coaching session I had was superior. I am VERY excited at the potential money savings the Money Merge Account program is offering. In addition, I was very pleased with the one-on-one session that I had. It finally made sense, and I'm now excited to execute my payments each month. Thanks!" Justin & Sarah W.

  • "I am very excited to get this going and see some success in our financial freedom. Thank you very much!" Lorin & Kolleen J.

  • "I started the Money Merge Account program early in the month of July and was very nervous because I had all my bills, Life Ins. Policies, LIFE . . . coming out of my checking account. It took me two and a half weeks to get all the billings to stop from coming out of the bank automatically. I started to feel concerned that I would not be able to manage so many bills and would miss out on getting the Money Merge Account program. Then, by the third week of July, this week, I started to work with the software and I feel like a pro. I called customer service and I got my answers quickly and very professionally. I am so enthused with getting every penny into my Money Merge Account program that I have even devised a way to pay all my bills with the credit card that gives me the most points and we have been able to cash out thousands of points and started our Christmas shopping early. I AM XMAS SHOPPING IN JULY! Unheard of! I am not only impressed but truly SOLD on the system and have already approached friends and co-workers to look at the video I was given to look at. Thanks for your fantastic software! Very Pleased," JOY A.

  • "Using the Money Merge Account program is even easier than I expected it to be." Terry G.

  • "I recently made a mistake with my Money Merge Account program, but Adam C. helped me fix the problems. He was professional, had great knowledge of the Money Merge Account system and was able to troubleshoot my errors in a very timely fashion. I could not give Adam a higher rating. Thank you for your excellent product and customer support." Jeff A.

  • "The young lady that coached me in setting up my Money Merge Account program was well trained and very courteous. She answered each of my questions and made the process well worth my time." Pamela & Pamela P.

  • "I am very happy with the software." John & Marina P.

  • "My lifestyle has actually improved while still investing in my retirement plans, investment accounts and taking vacations, I will still be paying off my mortgage in less than half the time. I urge everyone to take full advantage of the Money Merge Account program and start a new pledge of Financial Freedom. I trust, believe and encourage investing in yourself; everyone deserves all the value the program offers." Jude B.

  • "Real user-friendly website and program. I am looking forward to using the Money Merge Account system to manage my mortgage." Terry & Pat T.

  • "Jill A. was extremely helpful and I couldn't have asked for her to fix things more quickly, or answer questions better." Jeffrey & Elizabeth D.

  • "Our second coach, Adam, was great! He has an excellent knowledge of the program and was able to answer all of our questions without any problem. Thanks Adam for all of your help!!" Robert & Judy R.

  • "This company has changed my life in so many ways! I have always been a good money manager but never had a way to see exactly what my money was doing. Now I have that! It's like having a financial planner at my fingertips every day all day! At no charge!!!!" Karen & Steve G.

  • "UFirst, where were you years ago?" Terry D. & Tina R.

  • "Marie T. is absolutely lovely. She has wonderful product knowledge, patience and is extremely professional. I appreciate being able to follow up with her at a later date via email." Jennifer M.

  • "The agent that coached me today brought all the figures up to date. Mason was very helpful and patient." Donald & Amira R.

  • "I believe anyone can do this." Aletha W.

  • "This has been an excellent program to get us set up to pay off our mortgage earlier. Anything that can do that is great! Every question I have had has been answered quickly. I can't understand why everyone is not signed up for this program." Kenneth & Tia M.

  • "Great system (I wish I knew about this years ago). Thanks." Thaddeus P.

  • "Danny P. was efficient: his thoughts were well organized and he was considerate: 1) he made sure several times to have me take my time, 2) he was thorough --- he made sure that all steps in training were reviewed that were not reviewed in prior training, 3) he made sure that he was pronouncing my name correctly which shows a respect of persons. I consider Danny P. to be an expert in his knowledge & the wonderful way he takes care of your clients." Jill R.

  • "I want to express my thanks and appreciation to Eddie for getting my Money Merge Account program straightened out and answering all of my questions clearly and professionally. I feel much better about this program now. Thank you again Eddie." Duane & Julie S.

  • "I believe that all agents should have the program themselves. There is much that you cannot understand until you have actually worked the program. I am just beginning, but, there were things I questioned that you really had to experience to know." Joseph & Carol C.

  • "Like many, we earn more than we should need. However, we were struggling to set aside additional funds for paying off our home early. We are in our early 50's and owed approximately 10 years on our 15-year mortgage. We also had some debt (two vehicles) scheduled to be paid off in 2 1/2 years. In the three full months that we have been using this program, we have essentially paid off our vehicles and in two months will make an additional $6,000 payment on our mortgage. Our current payoff time for our mortgage is in 3.5 years. We have accomplished this without really changing our lifestyle. We wish that we would've known about this years ago." Kevin & Charlotte B.

  • "This made a great first impression. I'm very pleased with the Money Merge Account system so far, more so than I was expecting. It seems very professional and well thought out. I can't wait to begin using it!" Timothy & Erin R.

  • "I was frustrated with this program until I spoke with Sandra S. on the phone today. Thanks to her I now know what I am doing and can have peace of mind. You have an awesome employee --- great personality and very patient." Jim & Lu E.

  • "This is our first time trying UFirst program. The training was very helpful and interesting. We greatly appreciate the help." Harland & Loletta S.

  • "I can't wait till I can get my upgrade to Money Merge Account Pro for multiple properties; I'll be doing even better." Robert & Peggy T.

  • "The agent that introduced this program to me was great. She was so excited for us. She really knew what she was talking about and helped me through every step of the process. She was great at follow up and knew how to answer every question I had. I love the fact that you can plan for future expenses or goals. I wanted to pay off my auto loan in April. I just added it to my action plan and it adjusted everything up to date, so I can pay off in April and free up over $200 in discretionary income. This has become a game for me, almost an obsession. I want to see where I can lower my monthly living expenses and cut back energy costs. I am sure this 'game' will catch on fast and banking institutions will see more of this program. My loan officer had a hard time 'thinking outside the box' to help me. I had to explain the program to her so she could better understand my exact needs. It was kind of frustrating at first but I told her that on my behalf, she would be seeing more and more of the same exact requests. I now feel confident that because I was the 'guinea pig' and very particular with her, she'll be able to execute this same loan program with anyone I refer to her. Thanks, UFirst, for the opportunity to live the American Dream the way it was intended to be." Jamie R.

  • "As a first-time homeowner, the website seems fantastic. I was able to set myself up quite easily, and I'm looking forward to handling my money a lot more effectively." Tracy G.

  • "Our trainer, Tori S., had both excellent people skills and technical mastery. She took the time to answer our most difficult questions, verifying the answers where necessary. As real estate investors, we're really looking forward to the Money Merge Account program software revision that can accommodate multiple HELOCs and expenses for multiple properties." Jo H.

  • "My coaching helped me to answer some problems that I had been having and provided a solution." Susan & Paul C.

  • "I can't wait to see wonderful results." David & Mary F.

  • "The Money Merge Account system is an excellent program for seeing into your financial future based on what you're doing today. For me, this takes the guesswork out of financial planning. Thank you so much for such a great program." Kevin & Kristy R.

  • "Where were you guys 10 years ago? Just want to let you know that you have a great program and I am telling all my friends and family about it! Your support division is very helpful and professional. The best-kept secret to help people pay off their mortgages. Keep up the good job." Walt B.

  • "Excellent coaching. Very high WOW factor!" John & Ellen T.

  • "This program is exciting. My trainer Eddie is patient, knowledgeable and kind. I've been looking forward to getting started and I appreciate all the good help. Thank you." James L. & Linda B.

  • "I enjoyed talking with Mason. He truly has helped me and I know that as days go by that he will be a big help to me. That helps me a lot. I know that I will get this entire thing down pat soon, but it is nice to know that I can call anytime." Richard & Mary T.

  • "In less than 1 year using this program, I have been able to pay $5k towards our first mortgage and borrow to myself $3k towards a purchase, and I am already closing in on completely paying that purchase off. UNBELIEVABLE." Kevin & Laurie L.

  • "Excellent program. I would recommend it to my friends and family." Yvonne P.

  • "Our trainer was great. Very knowledgeable and courteous. It takes time for things to sink in with me and we seemed a little rushed, but I think I got it. He was very sincere in telling me to call him anytime. I have some concern about the little things that pop up weekly that you don't think about like church offerings, laundry, etc., but I am sure it will all work out." John H.

  • "This was a good experience. My trainer, Ann, was just great. Thank you." Catherine B.

  • "I felt the training I was given was more than helpful." George & Sandra D.

  • "My favorite things about using the Money Merge Account program are that I no longer have to live paycheck to paycheck and I will save tens of thousands of dollars by paying off my mortgage years earlier than I ever could have imagined." Kevin S.

  • "Joe did an excellent job in introducing us to the Money Merge Account program!" Jon H.

  • "Trainer was great. Very knowledgeable and courteous. He was very sincere in telling me to call him anytime." John H.

  • "I love the software. You have an awesome product." Dwayne & Patricia B.

  • "This program is INCREDIBLY user friendly and takes minutes to learn. Thanks for getting your product out there!" Kimball & Genevieve E.

  • "All training presentations that I have viewed and witnessed have been presented in an outstanding manner, such that the information is easily understood. The trainers take their time and teach at a pace for all to understand. They answer all questions without hesitation. I have yet to observe any trainer who was not excellent in his/her delivery. Anytime I called for assistance, my questions were always answered and follow-up contacts were made to make sure I am satisfied and fully understand the program. I rate this program and this staff as being outstanding. I intend to recommend it to my family and friends. I am enjoying the ride. Keep up the good work." Bennie H.

  • "I was disconnected in error, and the person that was helping me actually called me back immediately! Wow! That's almost unheard of in the technical support arena. I'm impressed. Thank you." Naomi J.

  • "Trainer was very good and went through the process thoroughly." Cesar & Leah L.

  • "I love this program. I was able to understand how it works because I was studying interest rates and banks before I found the Money Merge Account program." Erin W.

  • "We have only just started using this program and are in our first month. My wife and I are very excited about this program to say the least. If it truly works the way it is supposed to (and I have friends using it that say it does) it is God sent. When I first learned of this system I was skeptical. My credit score is 805 and I am very capable of managing my finances, but the doors this system opens for us made me see through the fog I didn't even realize was there. It is truly like having a financial advisor at your beck and call anytime you need it." Kirk S.

  • "Sandra S. was the consummate professional, a delightful combination of warmth and know-how. She was extremely knowledgeable about the Money Merge Account program, as well as navigation of same. She was patient, even though I required a good deal of her time. I look forward to working with her again." Bessie R.

  • "Eddie L. was very patient and informative. A true gentleman." Joseph & Jennifer W.

  • "Trainer's ability was excellent and knowledge of the program is good. He was courteous and showed patience as I completed each step in understanding the account." Berbeth & Henry L.

  • "I really like the software." Brian & Jennifer F.

  • "I am retired and never thought I'd live long enough to pay off my mortgage, but thanks to the Money Merge Account program, my 28-year mortgage will now be paid off in 3.75 years. If that doesn't get you excited, nothing will. Like my banker said, ‘This program is a no-brainer.’" Larry & Bonnie W.

  • "The step-by-step coaching was invaluable. She was extremely knowledgeable and was willing to take the time to answer all my questions. Additionally, I've called in a couple times since my initial training and everyone I've talked to have been extremely cordial and helpful. They knew that I was just starting out with the Money Merge Account program and were very patient. I actually look forward now to getting my bills in the mail so that I can ‘execute’ them through the program. I am so happy that I've been introduced to this life changing program!" Carol Y.

  • "My overall comment is that my Coach Michael was superb. He took me by the hand and the tour was very pleasant. An added plus: Michael was able to chat in French with me. I wish every customer could find someone as nice as my coach. Now, I can make plans to pay off my mortgage even sooner than anticipated." Joseph B.

  • "Training program is well put together. I did speak with customer support and was very impressed." Patrick & Sally D.

  • "I really like this plan. It has helped us get ourselves straight." Daniel & Delores P.

  • "I think this is the future of mortgage control. I mean, if everyone who has a mortgage would use this system, the country would be in a much better state. People would actually own their homes and have their money back in their pockets for their future. Even if you don't keep your house 'til it's paid for, the equity you build in such a short time is amazing. I personally had 17 years left on my mortgage (paying bi-weekly) and with this program I will own it in less than 5 years. Great product!" Leonard & Diane R.

  • "No one pushed me into a product I would live to regret. That was important. I tried to learn on my own, but had some problem getting the tutorial to work properly. So, I asked for personal coaching. I believe it was Kaylee. She was excellent. Her knowledge was exceptional. Her patience great. The first time we met I was unprepared and flustered. She not only was patient with me, she actually encouraged me with good insight into my progress so far. So, we rescheduled for a time 2 weeks later after my vacation. I was more prepared this time. But, what helped most was that no matter what I questioned or how I questioned it, she UNDERSTOOD what I was talking about and was able to answer me directly, without doubt, and confidently. We covered a lot of material in a short time, and I feel I know what I'm doing with the product. I'm encouraged. This product not only is giving me hope, I'm actually excited about using it and the prospects I'm discovering through it. You got me off to a good start. The rest is up to me. And, that's the way it should be. Thanks." Charles W.

  • "Courteous coach and it's a good computer system to look at everything that I do." Joshua F.

  • "Training session was very helpful, we feel very comfortable using the software." Eduardo & Jennifer C.

  • "I received excellent professional service from the coach and I'm excited about the program." Jean O.

  • "The Money Merge Account program was a dream come true for my husband and me. We were searching for some way to get our debt under control and find a way to manage our money and really feel like we were heading in a positive direction rather than deeper in debt! For years, we felt like things just kept spiraling downward and we were convinced that this was just the American way, that there really was no solution other than to sell the house and move to some place less expensive. Now that we've been on the program for 9 months, we can see our financial situation and control it with effortless ease! We have shaved 19 years off of our remaining 26-year mortgage, leaving us with only 7 years to pay off all of our debt. Being self employed, the program has also given us a safer, secure feeling when we have low-income months. The program has relieved us of stress and made our lives more enjoyable and happy. We are so grateful for UFirst and their commitment to helping people." Leslie & Merle M.

  • "Your representative, Nancy R., was very helpful in explaining how I can change my monthly expenses and income. She also revised my HELOC and 1st mortgage interest rate and balance amounts that more accurately reflects our payoff date. Overall, I understand how I can manage my finances better and more efficiently, which I think is very important to me since I plan to retire in 10 years. The Money Merge Account program helps me achieve this goal. Thank you." Cheyenne C.

  • "Trainer Andres R. --- excellent job, very professional and bilingual = good access to UFirst." Juan C.

  • "Training was excellent. Mason was courteous, professional and knowledgeable. He explained everything clearly and concisely. He did not rush. He answered all of my questions to my satisfaction. As for managing the account myself, I can do it with some practice." Adolfo & Elizabeth M.

  • "I like the program and the training." Tamra H.

  • "I think this program is amazing. We are very excited to watch our money work for us. This is a wonderful opportunity. Can't believe my mortgage is going to be paid off in 7 years instead of 20. Praise God." Cheryl P.

  • "I had problems with getting onto the webinars and requested 1:1 training. I thought someone may not want to help me, etc., but I was so wrong! My coach (her name was Arlene) was patient with me, not hurrying me and answering every question I had. She was excellent in providing me with the valuable information that I needed. When we were done with the coaching, she provided her e-mail address and let me know I could still call if I needed more help. I can't thank her enough for her valuable training for this exciting product! Thanks to Arlene and United First Financial, I know I am heading in the right direction to financial freedom." Christine W.

  • "My coach, Mike T., was very helpful and offered continued support for when additional questions arise or to augment this training. I am looking forward to using the product and becoming debt free." Judith M.

  • "Training was thorough. Great concepts! Excited to see how it works for us!" Wade & Rhonda S.

  • "I think that the program is very good." Harland & Loletta S.

  • "I found Mike B. to be very helpful and full of knowledge in getting me started with the Money Merge Account software. I am truly amazed at the way the numbers work and how easy it will be to have our home paid off in a quarter of the time. Thanks for the help. I truly appreciate it." Luanne D.

  • "I spoke to my trainer when I set up my appointment. I felt so overwhelmed after watching video, I just couldn't get it. I was actually crying, and felt I'd made a huge mistake switching over. I didn't know where to start. Caleb was reassuring and kind. After speaking with him I felt better. We made an appointment for training. He called on time for Webinars, and his training was clear and concise. He made everything so simple and I got it immediately. I actually love the new version. Thanks to Caleb, I'm sold." C.J. & Gwendolyn W.

  • "I spoke with Jared G., who was extremely helpful and patient with me. He explained things in a clear way that I understood. He helped me input some things I had questions on and walked me through different options I would have. With this input, I feel even more confident in the program.Thanks." Julie B.

  • "I decided to talk live with a trainer which worked great. The trainer was knowledgeable, precise, and easy to talk with. Jake, my trainer, communicated quickly & effectively about the program and it's nuances. In an hour and a half, I was up to speed with the program and on my way!!! Doesn't get a lot easier than that!" Gregory M.

  • "I think the Money Merge Account program is great." Harold & Lillian U.

  • "Even though my husband and I have been enduring tremendous financial difficulties, the Money Merge Account program has given me hope that, despite everything, by applying the principles of the program, we are saving ourselves a tremendous amount of money in the long-run. It has given me a sense of peace and relief."Maria V.

  • "Your customer service is outstanding! Real people answer my questions in real time. It is a pleasure using your product and doing business with you." Debra S.

  • "Joe was my coach this morning. He was EXCELLENT in helping me with several questions and re-formatting my Money Merge Account program to use the Checking and Savings option, until I can secure a HELOC. He is very knowledgeable, professional and very pleasant to talk to! Thank you Joe!" Karen P.

  • "Very helpful and detailed..I feel much more confident to use the software at this point." Ashley H.

  • "I think the program is great. The more questions I ask the easier it gets." Bradley & Amy W.

  • "Although I thought this would never work for me and my complicated finances, it has been amazing that it works and has saved me over $139,000 in the first two weeks. It's fantastic and I want to share it will all my friends, family, clients and even strangers!!! I love it and find it a fantastic tool! Thank you, UFirst!" Maria G.

  • "When a friend of mine told me about the Money Merge Account program, I was excited, but when I actually received this software I panicked. I thought, I don't even know how to start to list my bills, etc., even after I listened to the instructions on the software that was sent with the package. I am a visual learner and I did need the extra coaching. I had to call your customer service and my counselor called me to walk me through each step. I did understand it once I did this, but I got overwhelmed when I looked at everything by myself! Thank you for having a ‘live’ person to talk to for each step --- he was very patient no matter how many questions I had, and I know for sure I will be calling him again and again until I fully understand everything that I am doing. I am not an accountant, but it feels great that I can make a change in how I manage our money that will make us financially independent. I think about our children and that is all it takes to stop consuming so much and say ‘do we really need that?’ I want a better future not only for my husband and me, but for our kids!" Dominick V.

  • "Danny P. was wonderful. I have a home-based business and deal with people on the phones all day. Danny had the patience of a saint. He never once got frustrated or upset that I didn't get it on the first try and continued to encourage me. Danny is in fact a joy to work with and I'm so glad that I got him to help me with learning the program. Thank you." Kathy N.

  • "We appreciate the opportunity to re-coach with Andrew this evening. We are anxious to learn and feel a willingness to help us out. Thank you again." Keith & Beverly R.

  • "I like this good deal. Thanks so much." Robert & Barbara T.

  • "Excellent program! I know this may seem like one of those ‘sounds too good to be true’ programs, but not only is it true, it's brilliant! We are excited about bringing our 27-year mortgage down to 7, while saving nearly $200,000 in mortgage and consumer-debt interest! Thanks for what we consider a perfectly made program. Feel free to use our comments any way you wish!" Mark & Susan M.

  • "I just wanted to comment on my coach, Jill A. She was extremely patient & gentle during our training session. She went beyond her call to ensure that we got the program up, running, felt comfortable and at ease to go through the coaching. She provided clarity, professionalism and guidance on all the features of the software and manipulation of its environment. Thank you for your exceptional customer service skills and for making me feel confident that this was the best choice for me!! It would be great if we could meet the coaches. They leave a major impression on your first contact/ experience with United First Financial and the Money Merge Account system." Hazel J.

  • "My coach has the patience of a saint and the determination of a bulldog :-) YEAH! I can finally begin to use my software! Thanks, Andy, for your great kindness and assistance in understanding the gift of the Money Merge Account program." Kay E.

  • "We appreciate the patience and professionalism of our trainer, Paula." Gil & Betty P.

  • "I thought the training was professional." Erin C.

  • "I am SO EXCITED about the potential of the Money Merge Account program to get my debt eliminated and my mortgage paid off. I know I have to be responsible with my spending, but now I can at least see a light at the end of the tunnel that was way too far off before I found this program. I had 29 years left on a 30-year mortgage that I would be well into my 60's before I had any hope of seeing it paid off without my Money Merge Account program. I'm now on track to have it paid off in LESS than 10 years! The software is easy to use, too!" Martin & Diane S.

  • "My personal coach was great. Ann R. called at exactly the time period we agreed upon. She was pleasant and patient with me during the entire process. Ann made the program seem relatively simple and user-friendly to work with. Several times she reminded me that I could call or e-mail for additional help. The overall experience was at a comfortable pace, and all questions were answered in easy-to-follow and easy-to-understand terms. At no point in time did I feel that I was being rushed or 'left in the dust,' trying to figure something out. I highly recommend the coaching process and Ann R., in particular, to everyone! Thank you again. :)" Jan L.

  • "On February 15, we had a coaching session with Jake M. He was very personable, as well as very adept at guiding us through the process. We had made several errors along the way during the time we had been using the program and Jake did a fantastic job of getting us back on track. We feel that for us, Jake has been the most helpful in explaining the program and addressing our questions. He made sure we had his direct e-mail for future communications. This coaching session was great, and we look forward to contacting Jake for any problems or questions we may have. Thank you!!" Keely & Steve E.

  • "We appreciated Megan's help very much and she is very sweet." Arlene K.

  • "My experience so far was good." Joseph & Belinda M.

  • "I'm always ‘the skeptical half’ in my marriage. My wonderful husband has taken me to seminar after seminar for financial planning. I always see the loophole, the catch, the gimmick. There is always something wrong with it. I looked and looked for one here. I tried playing Devil's advocate with both my husband and our agent. He always had the appropriate answer, and was always able to explain it to me to my complete satisfaction. I am amazed by this software. Why didn't someone show me this 20 years ago?" Martin & Karen T.

  • "Mike B. was very friendly and helpful. I was surprised to know that there was an actual human being that I could talk to so quickly. It seems like everything is an automated system these days, and if you do get to speak with someone you have to wait FOREVER. Not so with UFirst. Thank you for your program. I look forward to paying off my mortgage." John & Della C.

  • "Ann was excellent and very personable and professional. Very helpful." Kendon & Judy S.

  • "Our trainer was very professional and promptly returned our call after working with his supervisor. The training was informative and very helpful. I appreciated that we were given our trainers e-mail address so that we could contact him personally in the future." Mike & Joanne C.

  • "I'm excited to start using the program and to see how it can accomplish my goals." Mary S.

  • "In this time of recession, decline in home values and high property taxes, your program is a life saver ... or, I should say, a ‘home saver’ for us. We are not only excited about using it for ourselves but also involving our parents and friends and helping them achieve total ownership of their homes, especially since we are all getting close to retirement and will be on a limited income. The elimination of a mortgage with a guaranteed place to live, especially for middle-aged people is a huge weight lifted!" Mary D. & Wayne D.

  • "Anytime that I call the support line I receive excellent attention and friendly phone manners. Sometimes I feel like I'm bothersome with my calls but after the support person has helped me, he/she usually assures me that I'm not a bother. I've only had the program for 2 months and so far I'm very satisfied with the software and support. Thank you." Jonathan K.

  • "Until we spoke with Katie, we were totally confused. Now, however, after just 20 min. speaking with her, we feel 100% better and believe we can now actually execute the program with ease. We are keeping Katie's number close by just in case! Thank you again Katie and also Eddie B. for introducing us to the Money Merge Account program." Kenneth & Karen R.

  • "We enjoyed ‘Magic’ Mike this day. He was very professional and courteous. Thank you." Teresa H.

  • "I'm looking forward to using the program!" Al & Michelle W.

  • "I would highly recommend this program to anyone who wants to pay off their home in record time!!!" Mary J.

  • "This was a very thorough and concise training session. All my concerns were completely answered and explained in an easy format, considering I am a total computer illiterate! Thank you so much for having this service as well as your PowerPoint presentation, which also helped. I cannot wait to pay off my house and all other bills, in order to enjoy my life and that of my children and future grandchildren. Mason, thank you for being so patient with me and may God bless you all." Jose A. & Nancy P.

  • "I was very pleased with the knowledge, expertise and manners that were demonstrated during this interactive training. Thanks, Adam. Great Job!" Ken W.

  • "Webinar was very helpful in gaining the confidence to jump into the program." Bryan & Leah J.

  • "I'm sure as time goes by and my own familiarity with the program improves and as I can see how effective the program is, my views become even more positive." Dave & Susan M.

  • "Since starting this program, I had a major loss of income (due to changes in my industry) but I'm grateful to know exactly where I am financially due to the detailed tracking of the Action Plan. I know what I have to do to get back on course, I know the information I see in my Money Merge Account program is accurate and I am able to monitor the effort I'm making and that motivates me." Matt G.

  • "I would like to commend and thank my personal trainer, Ann. She was very thorough in my coaching session and covered all that I needed to know. All of your consultants are courteous when returning my phone calls. Thank you for your great customer service! I look forward to working on my Money Merge Account program and to see all the savings it will offer." Josie & Edmund V.

  • "My personal coaching experience was excellent, because Jay was knowledgeable and patient. I felt that my questions were answered with concern for my understanding. I look forward to utilizing the program and personally witnessing the benefits to myself and my family. Thanks everyone." Kenny & Kathy B.

  • "What a joy it was to meet with Kayla and be introduced to the use of the Money Merge Account program. She is a true professional who is so competent in coaching newcomers. I particularly appreciated her patience and the clarity with which she explained how to use the program." Stan & Shirley H.

  • "I'm very excited about this program!" Brian & Jackie W.

  • "The Money Merge Account product has given us insight into how much more effective we can be with our money. If the account works as the action plan shows, we will pay off our 26-year mortgage in 4.5 years. The amount of interest we will save is staggering! It is almost too good to believe." Michael & Mary C.

  • "My agent, Chris, was very nice. My experience with MY coach, Jose, was EXCEPTIONAL!!! I look forward to using this system and boasting to my friends in reference to the amount of money I'm going to save on my mortgage."" Kimberly L.

  • "Kaylee was excellent and huge help. Looking forward to getting started!" Kevin & Philomena L.

  • "When I called in today for help reconciling my Money Merge Account program, Mike was most helpful. He was patient and thorough." Mark & Nancy P.

  • "I now understand more as I use it more and more." Blaine & Pam G.

  • "I am very pleased with the training and the software from United First Financial. I would recommend it highly to anyone. It is an excellent tool to pay off your mortgage and help you plan your financial future." Michael & Sandra H.

  • "Eddy (my personal coach) was not only extremely courteous but truly a jewel to work with and interact. I was extremely tired when the coaching session began due to a long day of work; but, by the time Eddy completed his coaching, I was truly motivated, energized and ready to begin my prosperous financial future. I also like to take the time out to express my deepest gratitude and appreciation to Nick T., whom I have truly come to adore and tremendously respect. I have been given the opportunity to join a lifetime relationship with truly the most dedicated professionals and I am privileged, honored and tremendously blessed. Thank you much, United First Financial!" Laura C.

  • "I learned a lot from my first coaching session. Sam was very knowledgeable and made sure I understood what he was talking about before he went on to the next section or category. I'm excited to catch up on my bills and be a little more organized." Thanks, Sam G.!" Kim L.

  • "The support has been excellent! Just spoke with Austin, very helpful, and no long wait time on hold." Joseph & Yvette G.

  • "I am anxious to finally get this rolling." Curtis R.

  • "My mortgage had 27 years remaining before, due to a recent refinance. Instead of suggesting another refinance, my agent recommended the Money Merge Account program. I'm scheduled to be debt free in 6 years now, saving over $75k in interest. I always paid extra on my mortgage, but this service is fun. I still go into my Money Merge Account program at least once a week to check my progress." Michelle C.

  • "I am extremely satisfied with the training support that is available for the homeowner's use. My trainer was very knowledgeable, courteous and professional. Thanks so much!" Lauretta G.

  • "I was really impressed and pleased with the help I received during my scheduled coaching. My instructor was very knowledgeable about the program and responded to all my questions. He was also friendly and engaging to boot!" Kurt S.

  • "The trainer was very personable and professional." Darryl & Gwendolynn F.

  • "The coaches were knowledgeable. The product is great." Craig & Nancy C.

  • "I had 26 years left to pay on my house. I got the analysis done and the results were phenomenal, down to 9.25 years. After getting into my payments the first month, it has gone down to 6.75 years. Could it get any better?" Miguel & Maria S.

  • "So far, I would say I have received very good information from the trainers. I think it is excellent having the opportunity to have access to the trainers in the beginning stages of using the system. It was an excellent confidence builder when the trainer stated he was certain that I would do fine and was catching on quickly." Linda C.

  • "Very good training session. He was very polite & helpful. He provided the way to contact him for any further questions, help, etc. that we may need in the future." Larrie Y.

  • "The trainer was very understanding of the situation and encouraged me to call her personal extension to let her know when I could continue with my training. Everyone I spoke with was very cordial and knowledgeable about the program." Susan A.

  • "It's a very good program." Yi X.

  • "Unbelievable!!! At first I was very skeptical of a system that could help you pay off a mortgage with no change to our current lifestyle! Like most of us, the 'too good to be true' saying applied here. After persistence from my agent/friend I decided to look at the presentation, and today I am a client. I could not be more excited for my family, as well as the people I will be contacting to help them be truly mortgage free! Thank you for developing and offering this great tool. I hope that others who read this who are on the fence right now might get off the fence and make their dreams a reality too!" Mike & Laurie M.

  • "This entire experience has been top-notch! From Roz in the beginning (my Agent) to the training from my personal coach, Maria! Having a personal coach assigned to me is such a nice touch. Having her e-mail and being able to just inquire about the software and ask questions anytime is such a great level of service. Thank you very much! I am looking forward to sharing this with many others!" Lisa & Sean M.

  • "After watching a training Webinar and then having a session with a knowledgeable trainer, we feel confident and excited to begin working with our Money Merge Account program." Larry & Cecilia P.

  • "Your agent, Sandra S. was very pleasant, patient, and helpful in explaining the process. She was encouraging and she said we could call her with any questions." Richard & Ruth P.

  • "It may still take a bit of trial and error until we are fully able to utilize the program, but we are now more confident, thanks." Darrell D.

  • "We have used the Money Merge Account program for just over six months and we've already put almost $15,000 toward the principal on our mortgage. We are middle-aged and are by no means 'computer people,' but with helpful banking people and UFirst’s excellent support, we have been doing on-line banking and using the Money Merge Account program very successfully. You can utilize it as little as monthly, or monitor it more often. I would recommend it." Mike & Marsha K.

  • "My coach was very approachable and informative. I enjoyed my coaching session very much. He was able to answer all of my questions and he took his time with me because I am a novice when it comes to computers. He took the fear away to use a computer. I am so blessed to have this system and to be on track to pay off my mortgage in 7.5 years. I believe it will be sooner than that. Thanks, UFirst." Lynward & Dora H.

  • "I am a client in Virginia. I just worked with Missuki on a one-on-one training appointment, and it truly was an excellent experience. My understanding of the software has been greatly enhanced. Missuki was very friendly and knowledgeable about the product. She was very patient with me and never made me feel rushed. Thanks for everything!!! And a special thanks to Missuki!!" Phil L.

  • "Your coaching session and software are excellent!" Michael & Kathryn W.

  • "I like the program. Once I figured it out, it all made sense. I think it is a good program and will work in our favor. Thank you." Todd & Shawna R.

  • "This is one super product. I wish I had known about it twenty years ago. This is a product everyone should know about. Thanks!" Millis B.

  • "Our agent, Joseph, has been outstanding! He explained everything in perfect detail with great clarity. The training was simple, since he helped so much to begin with. I'm excited to use our Money Merge Account program for all our financial needs, so we get the greatest benefit possible from it." Mark & Victoria B.

  • "Both Shelby M. and Boyd M. were extremely helpful and efficient in helping me start the Money Merge Account program. They really made the whole process very easy and timely. Thank you for all of your help." Laura C.

  • "As in some of the training videos I watched, it's easier to do than to explain! I had a little uneasiness at first, probably goes with anything unknown, but once you're in and using the site it's intuitive." Jeff W.

  • "My experience with both my agent and my coach was excellent. Both of them were clear and understandable with instructions/information, and both offered future help as necessary until I become comfortable with the program. Also, they are both very nice people, a pleasure to discuss things with! I look forward to reaping all of the benefits this program has to offer and am comforted by the knowledge that I am only a phone call away from help if I need it! This information is so valuable. You're not locked into any particular spending pattern, but you are empowered with a tool that helps you make the most correct spending decision(s) regularly! This is great! Thanks!" Mitch L.

  • "Dealing with Sandra was fantastic. She excitedly walked me through the steps of using the power of the Money Merge Account program, and I cannot wait to start executing payments so that I can become mortgage free. To let you know, I am here in Canada and cannot wait to start helping folks apply this revolutionary concept. Sandra's enthusiasm and excitement, combined with her passion for United First Financial, will undoubtedly relate to your clients. Thank you, Sandra, for your professionalism." Marty & Michelle R.

  • "I am so excited and hope that many have the opportunity to implement this in their financial planning. Your coaching person, Nicole P., was excellent!!! Would recommend her to anyone AND would love to personally hire someone like her." LeaAnn S.

  • "The PowerPoint training programs were great. Thanks! I love the program using it!" Richanna & Luke L.

  • "My husband and I just started this and we are so ready to get going with this. Thank you." Edward & Phyllis C.

  • "We think this is the smartest move we have ever made. We were looking at 29 years and now we have less than 6 years. We can't understand anyone not wanting to use the program." Warren & Nancy G.

  • "Our agent, Kathy H., was extremely well-versed in the Money Merge Account program. Her overview and explanations regarding the system left no questions at any time. We had a great foundation before going into the program. She truly set us up to succeed! Our experience with your Customer Service department has been excellent as well. During the first few weeks I made several phone calls to them and met with great success. They were extremely helpful and friendly, and were very skilled in understanding what I was trying to ask. They made sure that I understood their explanations completely. Thank you so much!" Michael & Leslie M.

  • "My trainer was fabulous! He was clear, patient and highly informative. I think I finally get it!" Leah R.

  • "We do look forward to using this tool and appreciate your training very much." Frank & Michele C.

  • "My wife and I are looking forward to watching our progress over the next couple of months." Matt & Mindi S.

  • "Truly a system to solve America's biggest problem: DEBT." Nancy B.

  • "My experience with my training coach and all of the other support staff that I have had contact with since the start of my account has been pleasant. They are very patient and personable people. I have had very good experiences with all of them." Patrice B.

  • "My first webinars! It was great training for the software. (I'm looking forward to more.)" Lee & Tammy S.

  • "We love the product and it is working. Thanks." Myron & Karen T.

  • "The program works great!" Matthew F.

  • "This program is ingenious in its ability to make one's own money work for them, instead of working for the bank. With today's economy we all need to be aware of the opportunities to save money wherever possible. The only way to get ahead in life is to work smarter, not harder. I believe this program helps us do just that." Nathan & Valerie S.

  • "Michael T. was our trainer today. He was very courteous and patient. My husband and I were both on the phone and asking questions and he answered all of our questions to our satisfaction. I just hope I can remember everything he told me. It is nice that you have the option of editing your transactions and if you do make an error there is someone who is willing and able to correct that error and train you again. Thank you very much." Sandy and Paul I.

  • "Katie was wonderful. Very helpful and patient." Linda M. & Willard M.

  • "Overall, very well done and easy to follow. Thank you!" Karen & Jamie G.

  • "Ultimately useful." Mary Beth & Lisa H.

  • "Best investment I have ever made. The program is very easy to use. I never knew it was so easy to pay off your mortgage in record time and save money doing it." Nino P.

  • "I have just completed the V-4 upgrade and Erin F. did an outstanding job of explaining the new system and answering my questions. It is comforting to know that all your clients are getting such a high quality of coaching. Thank you and keep up the good work." Rich S.

  • "Pamela was great! She is quite knowledgeable, polite, professional and patient. She did a wonderful job of educating me and answering all of my questions. Thank you," Pamela!" Lisa S.

  • "Everything so far has been smooth and easy. Thanks for the help." David M. & Kristin D.

  • "Program is easy to use and effective. Thanks." Matthew M.

  • "I am so excited with the Money Merge Account system and what it has done for me and my family! Not only is it the vehicle that will be used to pay off my mortgage in less than half the time, it is also helping me to organize and manage my finances like never before. Just think: no more two and three bank accounts. I can take care of all my household and business affairs through one central feature. Also, the training provided and the expertise of trainers used to explain the software is fantastic. Thank you, Jesus, for the knowledge and wisdom in bringing forth this amazing product to the millions of people whose lives will never be the same as a result of this system." Patricia & Loyd C.

  • "My trainer and coach, Carlos, was thorough, patient and well versed in his knowledge of the Version 3 software. I now feel absolutely familiar with the operation of the software and confident that any question I may have will be answered. Thank you." Richard S.

  • "Very good response to calls. Coaching was set up the next day. My coach, Danny, was very patient in getting answers to my questions and was also very professional and polite." Louise B.

  • "Excellent trainer - very helpful - great attitude. He wanted us to use the software to get us to financial freedom as soon as possible. Thanks!!" Tim & Jackie G.

  • "Really like the software." Shawn & Tatiana T.

  • "This Money Merge Account program is very interesting to me because it will help me to finish paying my mortgage off in half the time, or maybe less than half the time. Finding out about this program is truly a blessing to me, as I am a single female who needs all the financial assistance I can get, especially when it involves a savings like what UFirst is offering. The coach I spoke with today (his name is Andrew) is on top of his profession. Kudos to Andrew and United First Financial!" Patricia J.

  • "I had the pleasure of being trained by a wonderfully patient, intelligent, well spoken and excellently qualified trainer named Mason. I am usually a very computer illiterate and impatient individual. He made me feel calm and capable as he thoroughly answered my many questions and concerns. I now feel very qualified to manage this account and will tell everyone how wonderful the support and training personnel bring the homeowner to the place we need to be to obtain success. Thank you so much!!" Roberta P.

  • "Tom S. was our UFirst agent. He was very knowledgeable and did not push us into the product. He was very thorough and patient in explaining the software. He allowed us to see his personal side, which was refreshing and made him more a real person to us. We appreciate this new friendship. Junior B. was our trainer. He was also patient and explicit with his instructions about the software. He made himself available to us for future inquiries. We will definitely be in touch to consult with him. We were very pleased with your staff. Thank you!" Luis O.

  • "I am further along than I thought I would be with one coaching. Thanks." Betty P.

  • "Repeating detailed exercises over and over is the best way to become proficient at the procedures for operating a new program such as the Money Merge Account software." Wayne E. C.

  • "This is the best thing anyone has ever tried to 'sell' to me, and I'm glad they did. It is the best invention since the phone, ipod, car, etc." Paul R.

  • "Our trainer, Jared G., was professional, knowledgeable and infused with enthusiasm for the Money Merge Account program. He not only passed on all the training information in a very efficient manner, but he built up the excitement for the system and all that it can do in our lives as well as our client’s lives. I am excited about the Money Merge Account Version 4 and can't wait for more reporting features as well as actual online bill paying services. I think that this one feature will make the Money Merge Account program much more user friendly." Rose & James R.

  • "Ann is awesome. She explains things clearly. She is a very patient and polite young lady." Lynette A.

  • "I am just starting the program, so I know there is more information available to help me understand it. I like the idea of manipulating my money to do more for me." Janet C.

  • "So far everything is wonderful." Rick H.

  • "This is the best financial tool/info that I allowed someone to explain and sell to me. I rate it as high as the invention of the iPhone, Windows and any financial info. I think financial planners should definitely have this available to them (or at least knowledge of it) as should Insurance and Mortgage Brokers. Thank you for a really great financial tool." Paul R.

  • "The trainer who helped me not only knew exactly how to solve my problems but also was able to explain things to me very clearly. Rachel S. was very professional yet very comfortable to talk to. She made the whole experience fun and educational. I had put off calling for support, dreading it, and instead actually enjoyed the whole experience." Roxanne R.

  • "I really appreciate the flexibility of Danny P. as we worked with my schedule to make the training happen. He was very polite, and he possesses a thorough understanding of the product. I am excited about utilizing the product to achieve my financial goals!" Marc S.

  • "I am looking forward to actually working within the program. The program seems to be user friendly. Everyone that I have spoken to has been very supportive and professional." Gail & Ronald H.

  • "Satisfied." Felipe C.

  • "I found the program to be everything I hoped it would be, and, with a little fine tuning, I think it will help me get through some tough economical times we are entering right now. Thanks. I wish I had this program 10 years ago." Peggy U.

  • "Thank you Michael! We appreciate your level of care and concern. Just speaking with you tells us a lot about UFirst. You have definitely made a great first impression. Erika and I look forward to being debt free and know we have good help just a phone call away. Merry Christmas!" Ryan & Erika Z.

  • "Mason was a very courteous and knowledgeable coach who made me feel very at ease with learning the software. Thanks." Marcus J.

  • "I have called for help twice so far and found the person on the other end of the line to be very helpful. I feel confident that it will work for our family once I learn how to really use it. I think that with the caliber of people running the program it will be very successful. Thank you." Robert & Natalie J.

  • "I'm looking forward to seeing how this Money Merge Account program will work. I am ready to jump into this and watch my money really do something for me and my family." Nathanael & Zerlinda K.

  • "I was turned onto your company by a friend. I was very skeptical at first; but, after viewing the introductory video, I quickly realized this program's potentials and benefits. I been using this program for nearly 3 months, and it is working beyond my expectations; I have reduced the principal on my mortgage by 25% and have not changed my lifestyle or spending habits. However, I do looked at large purchases now with lot more scrutiny, thanks to your program. My only regret is NOT STARTING SOONER. Thanks." Peter & Diana K.

  • "The trainers were very professional, always answered my ""list of questions,"" and returned my phone calls in a timely manner. The future money savings that the Money Merge Account program will give me is astronomical. Thank you." Sharon V.

  • "Glenn G. did a great job in explaining the Money Merge Account program to us. He was very professional and reliable." Marcy T.

  • "I am so excited to start this program. I hope it is true that I can pay off my loans in such a short time. Thank you." Beverly J & Lee C S.

  • "Seems like a great product. Thanks." Gloria & William K.

  • "I have enjoyed all the correspondence and support to date. Obviously this is the difference with your product and any of the other methods that are out there on the market today. You pay more but you should get more. Keep the 'get more' attitude and capability ahead of the competition and you and your customers will do great and achieve their goals. Good data into a good program means good data out and satisfied customers. Keep up the push to be the best, and you will get there. Thanks." Peter & Kathryn P.

  • "The coach and his instruction were excellent. Any problems will be with my basic understanding and comfort level using this account to pay my bills. This is an entire new way of thinking for me regarding managing and paying my monthly expenses and payment of my long-term expenses. I will be contacting my coach on a regular basis. Thank you." Stanley R.

  • "I spoke with trainer Jill A. and previously I spoke with a trainer named Kayla M. They were both very helpful, patient and knew the program. I was on the previous version and finally have an understanding of the new program. I LOVE IT and it does exactly what I want it to. The ladies really helped me answer the questions I have, and gave great guidance. I did not ask specific questions about the interest float. Maybe I need some further training on that!" Margaret & Michael R.

  • "I am very excited about this new venture and the potential of paying our mortgage off early. The Money Merge Account program is very detailed and I have much to learn but I believe it will be a nice and wonderful experience. Thank you, Bernard, for your patience, kindness and help in taking me through the program and answering my questions." Gary & Martha B.

  • "Seems like a great program." Jeff & Mrs. W.

  • "I would like to thank the people that devised this system. It has completely changed our lives. We were pretty savvy with numbers and finances. However, we never knew something as simple as your system could have such an impact to reducing our debt and allowing us to understand interest to better improve our lives. I am glad I did my own personal research to understand this concept instead of listening to blogs." Peter M.

  • "Kaylee was amazing. I warned her when we made the appointment, that she should give me a coach that is very patient. I don't do computers or math very well. She sheepishly responded saying that she would be the one coaching me. Well, the night came and she called, on time. She was very patient. Her voice was clear and easy to listen to. We got through it quite easily, I thought. I was afraid of it. But not now. Actually, I'm pretty excited about using it now. She helped me see the full importance of having and using this program. Thank you, Kaylee, and thank you, United First Financial, for offering this program." Victoria B.

  • "Eddy S. has been a wonderful trainer! He's very patient with our rather elementary questions/problems and never sounded impatient, even though he must have cringed at some of our questions! He gave all the details needed, but I rated myself a ‘2’ in ability to use the system because of MY limitations, NOT because his training/efforts were lacking. Please give him a gold star!" Mark & Colleen M.

  • "I appreciate the one-to-one training and I'm looking forward to getting started!" Joe & Becky H.

  • "I was able to view the training program which I think is very good." Susan A.

  • "I found the whole experience to be painless and pleasurable. If you get all the necessary documents and correct information in, the process goes really smooth. My trainer was Amber and she was so sweet (and very patient with me)! It only took a couple calls and a couple e-mails for me to fly solo. I watched several of the Webinars and they were very informative too. I am excited about what the Money Merge Account program is doing for me and my husband. In 5 years we will be debt free!" Polly & William Z.

  • "Just got off the phone with Mike B. What a gem!!! I was getting kind of nervous about finances, due to the state of the economy, and Mike was not only able to help me see exactly how to use this product and the benefits of even small amounts of money being put in, but he also got me excited about it again and gave me some great tips on how to share this with others. He explained how to present this to my husband so that he would better understand the program and really put my mind at ease. Thanks so much, Mike! You've truly found your calling and it shows in your enthusiasm and expertise on exactly how to use this product to its fullest potential. Your help today was truly appreciated." Rose K.

  • "Mason was very helpful to us in getting to know the software, the screens and how to manipulate everything. Wow! Thanks so much!" Mark & Debbie R.

  • "I believe in the theory that is the way to finally get your bills/mortgage paid down." Sherri & Richard P.

  • "So far the exposure to the Money Merge Account program has been pleasant and not difficult to navigate." Sonny & Rhonda S.

  • "Using the Money Merge Account system has kept me focused on my financial goals. If not for this system, I would not be moving forward toward these goals as I am currently. Thank you for developing the system that truly has given me a road map to where I want to go." Randy & Donna W.

  • "The service representatives have been very helpful and interested in our best interest. They have been very professional in handling any problems we have had." William O.

  • "I had to call in twice tonight and both agents were extremely patient and knowledgeable in working through my questions and ""problems." The agents were Lindsay T. and Travis G. Both are wonderful assets to your company. Again, they spoke in jargon I could understand (being not technically literate) and were extremely helpful." Mark & Lou Ann Z.

  • "I felt that the coaching was good and that the representative was very good in guiding me through the process. I do feel good about the support that I will have once I begin the actual process." Robert & Yolanda V.

  • "So far I like what I hear and see. Thank you for creating this program." Raymond & Vanessa W.

  • "At first it is a complete 180-degree difference from how I handled my finances previously. After posting my first Money Merge Account payment to my mortgage company for a significant amount of money, I have already saved myself a considerable amount of money in interest! I look forward to paying off my house as quickly as I can and using the software to help me make financial decisions based on the ‘True Cost’ option." Randy & Kathy L.

  • "We were both very pleased with our first Money Merge Account program coaching experience. Junior was extremely pleasant, patient and knowledgeable in explaining everything to us. We look forward to becoming financially sound many years sooner than we previously would have dreamed. May God bless you all." William & Shirley M.

  • "Mason was a perfect trainer for me. I learn by doing and he was excellent in his patience and kind reminders as my brain was not accepting new information immediately. Now I understand, and his persistence paid off. I feel very satisfied and confident that this is a helpful system for me. Thank you very much." Marla P.

  • "I have enjoyed this new beginning. I do feel that with the help of this program, I can achieve my goal. Thanks." Mike R.

  • "So far is the program is very good. Thank you." Alfredo & A.

  • "This is an amazing program. This will work well with those who have a fixed level of income. For those of us who are on commission sales or erratic income, it may take a little more faith in the product to be patient and persistent to see actual outcomes. The first couple of months were great. I'm now in a waiting stage, eager to see more movement down on my mortgage, but I guess that is good. This program definitely has curbed some spending I might have done otherwise. I encourage all to really hang in there and work the program. Financial freedom is just around the corner, and that is much better than other scenarios without this program." Randy & Rebecca D.

  • "I am very grateful that you have started such a program to help the American people get out of debt. I am thankful the HELOC is no longer a necessary item to qualify to be a part of the Money Merge Account program." Kathy S.

  • "Just want to say that Amy P. did a wonderful job in the training she provided for us on 1/19/09. She was very courteous and patient with us. Thank you, Amy!" Martin & Griselda L.

  • "I have just started with the Money Merge Account program, but I feel very positive that I am moving in the right direction." Muriel M.

  • "So far so good." Jenelle B.

  • "We have been amazed with the software, support, and overall attitude of people involved with UFirst. Our numbers have gone from 27 years to 7.25 years and will get better as time goes on. Mainstream media critics have nothing over on this as much as they try to. Looking forward to an old-fashioned mortgage burning party! Thanks a Million!" Randy W.

  • "I called for additional assistance yesterday and was very pleased with your service and understanding. The person who helped me was Rachel S. Thank you again for your program. We are almost done paying our mortgage." Karen H.

  • "I do love how I have to make a budget and can keep track of my money." Robert & Sherry W.

  • "So far things have been going well." Guy & Michelle P.

  • "I wish we would have had this software when we bought our first home. It has changed our life." Ray & Shera C.

  • "After working with the program a while I feel much more comfortable. I am very excited about the program and intend to see it through to the very end!" Earl W.

  • "Jake G. was very knowledgeable and did an outstanding job showing me how to tailor version 4 to my individual situation." Martin D., Sr. & Lisa D.

  • "I love my software. It lets me know where I am financially all the time." Jeffrey K.

  • "So far, I'm impressed." Michael & Mary C.

  • "I have found the Money Merge Account application to be an excellent tool for budgeting my finances. This, combined with the benefit of paying off my mortgage in less than 30 years, makes for one invaluable program!" Raymond & Susanne P.

  • "The training went above and beyond it just took me awhile to get it and to get going!! I really didn't grasp what I had my hands on until now." Liz & Tim M.

  • "We just like to say our trainer George was very patient. He took time to make sure we understood each step. George was friendly and answered all of our questions. He provided great customer service." Marvin & Christal J.

  • "I love the program and the representatives are very helpful in solving our problems." Tommie & Chandra N.

  • "Still learning the program but am excited to see how well it works." Daniel & Tracy H.

  • "I can't believe, after only five months, the amount of debt that is gone from my life! This is the 8th wonder of the world. Thank you for this program. It is ‘Godsent.’" Richard D.

  • "Andrew did a great job and was very patient. I was concerned that I would not understand this or it might not really work. However, after my personal coaching I am confident that this program will work for just about anybody." H. Michael T.

  • "Bernard was friendly, courteous and patient. He was dealing with both a husband and wife on the phone at the same time asking questions simultaneously and interrupting each other. He had a sense of humor, addressed both of us, and was able to answer all our questions thoroughly. He made us feel confident about our choice to use this program. Thank you!" Michael & Anu F.

  • "It takes a little getting used to the software initially, but once you get it you can do wonders with your finances. Thanks again." Jodie & Collin B.

  • "The program has worked great for me. Started with $519,000.00 in 12/07; now at a balance of $342,000.00. Was to pay off in 11.3 years from my 30-year note. Now on track to pay it off in 5.417 years. Cannot wait to see what the next version of software can do. I was good with money before I got the Money Merge Account program or at least I thought I was. Now I have learned really how to make my money work for ME 24/7. Thank you so much." RJ G.

  • "Thank you for taking the time to help me." Jorge & Olivia B.

  • "Andrew W. was very knowledgeable, professional and patient. He is definitely ‘A’ rated. The action plan program appears to be easy to navigate and hopefully I should have no problems, but if I do, I feel confident to call for technical service." Zaid & Esther Wendy-Ann A.

  • "Jason was very informative and made it easy to understand." Michael & Audrey M.

  • "I really believe in the Money Merge Account program and know it is helping people all over the USA. Keep it going! Thanks for Money Merge Account program." Donald C.

  • "Thank you for your help. It was a good training experience." Kendra & C.

  • "The trainer was able to explain the program to me in terms that I could easily understand for a person who is not very knowledgeable in financing. I feel much smarter about the program after seeing it work! Thanks very much..I look forward to paying bills faster & smarter!" Marie F.

  • "I had a great experience with my coaching person. Her name was Kathy L. She made my conversion to version 4 a breeze." Diane M.

  • "I really like the True Cost section, Looking forward to see how much money it saves us." Mark & Kim Z.

  • "Thank you Mason." Christopher D.

  • "I am 59 years old and had 29 years left on my mortgage. I also had $64,000 in other debt. With the Money Merge Account program, I am scheduled to pay all of my debt and mortgage off in 6.1 years. All without changing my lifestyle. What a FANTASTIC plan." Robert & Carolyn H.

  • "As a user of the Money Merge Account program, I love it. It works and has given me so much focus on saving money and paying down my 1st mortgage." Mark & Lisa E.

  • "It was an excellent source of knowledge going through the coaching session for Money Merge Account program. Thank you so much, Jonathan." Mike and Molly D.

  • "I really think UFirst will be a really big help to me with managing my finances and getting my house paid off in a short period of time. You are very detailed in explaining everything to us about the Money Merge Account program." Tommy & Stacy B.

  • "Thank You." Ben & Edelmira M.

  • "This is the best debt-reduction system we have ever seen. We reduced our mortgage payoff date from 27.5 yrs. to 8.3 yrs.! Since we are almost 50 yrs. old, it makes retirement look a lot more attractive." Robert & Denise K.

  • "Awesome product. There is hope that we will one day own our own home!" Noel & Marcia S.

  • "Amber was extremely helpful and answered all of my questions. I would recommend her to anyone!" Michael & Mary A.

  • "I see this program allowing my wife and me to fund various projects along the path to financial freedom." Larry & Rosalyn A.

  • "Thank you." David & Kristy N.

  • "We have been on the program for one year now. When we started, we had 23 years left to pay on our 1st mortgage and 12 years left on our second. We paid off one vehicle and now we are down to 3.4 years. This is a miracle! We LOVE the Money Merge Account program. It has given us a new lease on life, knowing we can pay off everything in such a short time. When we first did our analysis, we were at 7.5 yrs.; but, we have changed some things around when we saw what it would do to our payoff. Thank you, United First Financial. We will try hard to help other people get the same relief we did." Robert & Gail D.

  • "By using the Money Merge Account program I can see my goal of being mortgage free! Before I was only hoping to get there!" Ben & Maria M.

  • "Michelle T. worked with me in a most excellent manner. She has a unique way of being professional and personable in her interactions with those of us needing assistance. Please give her my compliments." Michael M.

  • "I think this is a great way to keep track of my finances AND get ahead of the game. Thanks, UFirst!" Jana T.

  • "Thanks for a great opportunity!" Thomas & Sarah K.

  • "I love the Money Merge Account program! It is like a financial video game. I update it often. At least once a week. I am a frugal person, but this tool has helped me focus even more on my goals. I am determined to increase my discretionary income to make the program pay off faster. Thanks, UFirst, for the Best system I've ever seen to help people get out and stay out of debt." Robert & Jeri C.

  • "Every single time that I call the help line I have found the staff there knowledgeable, very patient and helpful. These are the folks who have made it possible for me to use the software with any level of confidence and they do so without making me feel like a total dummy! They are just wonderful." JT & Barbara P.

  • "Jessica was excellent. She was patient, courteous, professional and kind. She answered all of my questions with simplicity and made me feel confident that I will be able to use this software easily on my own. I will be sure to request her help with any future concerns." Michelle M.

  • "I was excited to hear about United First Financial and what it had to offer. It was a much better option for me than re-financing. I'm looking forward to starting and seeing my progress in reaching my goals." Anita F.

  • "Good training." Jeff & Monique G.

  • "It is often said; if something is too good to be true, then it probably isn't true. This is the exception. It is too good, and it is true!" Robert & Margaret W.

  • "Excellent program for paying off your house early." Stewart H.

  • "So far, everything has been very impressive, from the initial appointment and the agent, then the local office here in Minnesota as well as Jason at the main office!! I'll be letting others know about this excellent company. Thanks!" Mike & Bridget H.

  • "I feel that the program is a great program. Using the UFirst program keeps me staying within my budget a lot easier." Neil & Linda G.

  • "The coaching session was very easy to understand." David & Connie M.

  • "We are very excited about the program and the freedom of choice it is giving our family!" Robert & Sara W.

  • "Finally a coaching program that can get people on track for financial freedom." Kevin B.

  • "I was very pleased with Ashlyn O. she was very professional and very patient. I feel I learned a lot in that coaching session and hope to speak with her in the future." Mike B.

  • "The Money Merge Account program is helping me get a handle on my financial situation and making better financial decisions." Jacqueline & Jackie P.

  • "The coaching was great and very helpful." Katy Z.

  • "We started our Money Merge Account program about 20 months ago, when all of the current information and instructions were not available. Since that time, all of these ‘shortcomings’ have been addressed and the process has been greatly refined to become the incredible financial tool that it is. The Money Merge Account program is the most powerful tool that we've ever seen for average people to OWN their homes in the shortest possible time, save HUGE amounts on interest, and show at the same time how our budget and spending habits are affecting the end results. The BANKS need no longer be the greatest benefactors of persons buying a home!" Rod & Diane S.

  • "From the very beginning you can actually see that this program, used correctly, can be very beneficial for anyone interested in being debt free in a short period of time." Jose L. & Maritza M.

  • "Robert D. did a great job with me this morning on helping me with my Money Merge Account software." Mike J.

  • "My curiosity is finally satisfied, almost completely. Only utilizing the program from here on out will prove its value. So far everything has been a positive experience." Jeffrey & Ellen H.

  • "The concept is right on the money." Michael & Suzanne C.

  • "The Money Merge Account System is the tool that my wife and I have been looking for years. We realize that this is more than just a system to help us payoff our mortgage, but a way to efficiently manage our lives, finances and future. Thanks for this life-altering experience." Rodney F.

  • "Great agent, great coach, and a great program for organizing finances and saving money." John & Sharon B.

  • "My coach was outstanding in answering my questions and guiding me along in the process." Mona P.

  • "The Holidays seem to standout more that I see the true cost of money spent on gifts." Cindy & James W.

  • "The instructor was great." Barbara B.

  • "This program has given me some financial comfort in these difficult times. Plus, even when the markets crashed and other investments faltered, investing our extra funds in our mortgage has made a lot of sense. By the time Barack Obama leaves office after his second term, my wife and I will be a long way toward the financial freedom we both want because of the speed in which this program is paying off our mortgages. Thank you!" Rodney & Soraya S.

  • "What a powerful tool! This is a life-changing product for those who choose to participate." Tom & Tracy R.

  • "Thanks so much for professional help from Randy C." Natalia M.

  • "I'm looking forward to using the Money Merge Account program as I believe it is worth the investment." Joshua & Jennifer D.

  • "I'm truly happy with the software." Antonesio P. & Stacia B.

  • "We have experienced a significant change, for the better, in our financial future. We had recently refinanced, had a 30-year loan with the first 10 years fixed at 6.25%. However, we were paying interest only, which (at the rate we were going) the principal would have been flat for 10 years! Now that we are on the Money Merge Account system, we are on track to pay our home off in less than 10 years. We are now doing a much better job of managing our finances on a month-to-month basis. Thank you, United First Financial!" Ron & Kathleen R.

  • "I am impressed with the program and hope I am able to carry it out. I wished I would have seen the program years ago." Dennis & Carol F.

  • "Jill A. is a fantastic coach. She is very knowledgeable about the program and is a pleasure to work with!" Nels J.

  • "UFirst is extraordinarily customer friendly and personal." Robert & Janet E.

  • "The presentations were easy to follow and thorough. I watched all three and have a detailed understanding of how to use the program." Scott & Natalie D.

  • "My husband and I are thrilled! It is very simple to use. Tech support was awesome when I called for a question when I first received my software. He did not act like he had to get off the phone quickly, like some companies I've dealt with. He said, '""Take all the time you need for questions, that's what we're here for!'"" That was first class! I actually re-entered my income because I get paid two different ways; so, I put my weekly and bi-weekly pay periods in separately and realized I hadn't figured it correctly in doing it weekly and it gave us our payoff three years sooner! I only hope everyone I know will realize there is NO reason to be skeptical and jump in like we did! Thank you, Thank you for doing this for us!" Ron & Pam M.

  • "I am looking forward to finding out how this program is going to work for me and how much money I will be saving in interest using this program. The coach that gave me the training was very friendly and knowledgeable. If everything works the way it is suppose to, I will pay my house in less than 9 years. Thanks." Bienvenida C.

  • "I found the instructions very helpful and Carlos was very good at helping me and answering my questions." Nicholas & Joan S.

  • "UFirst Money Merge Account program is a great tool for budgeting." Charles D.

  • "The program has been really good. I'm excited in the progress." Johnny & Melinda A.

  • "In two months' time, we have sent $8,500.00 extra to our principal. $82,200.00 in mortgage has now been reduced to $72,500.00. We are very excited about the program. We haven't put any extra money into it and the balance in the equity line just keeps coming down. I try to explain it to friends and all I can say is that it is magic." Ron & Sue T.

  • "I am so excited about this program that I am telling anyone who will listen about its benefits. I can't wait to see the changes in my own financial situation!!! I can actually believe that I can be debt free!" Alyce S.

  • "My one-on-one coaching was very helpful and informative. Junior’s expertise in the software was wonderful. He was able to show me some things of which I had no idea." Nikki M.

  • "We are highly pleased with our contacts with United First Financial. We look forward to seeking help when needed." Richard/Faye L.

  • "The program is excellent." Juan & Vivian G.

  • "I would just like to personally thank the dedicated people involved in putting this program together! It is great to know that there are people out there that have a passion to help others out! United First Financial has blessed me with a tool that is going to take my 29.5 year mortgage down to 8.33 years! My oldest kid will only be 13 instead of 34 when we are debt free. What a way to plan for college tuitions. THANKS A BUNCH!" Ron D.

  • "I am very pleased with the support I am getting which makes my wife and I excited that we could now see ourselves be debt free in a fraction of time, that owning a home nowadays is possible through this program." Lira & Ray B.

  • "WOW! The first coaching session was very instructional and professional. Karina S. was very patient and courteous. Thank you, UFirst, for this great product and the great customer service!" Obdulia & Luis B.

  • "We are just completing our first month and satisfied so far." Doug & Connie C.

  • "The program seems fairly easy to use in the PowerPoint demonstration. I am looking forward to getting started." Betty & Earnest R.

  • "We just started this program, and already have seen a reduced term in our payoff, just by a couple of transactions. The discipline of the Money Merge Account program is absolutely remarkable. This is the first time that we actually can see our American Dream coming to an enhanced fruition by the Money Merge Account program. Now we see that the American Dream was not JUST owning a home, but the AMERICAN DREAM is actually, via the Money Merge Account system, the early pay off of a home mortgage. We will retain simple interest and not just give it away to the lending institution that we love so much, that we felt we needed to give them more!!!HA! AND the realization that we can actually put aside money that would have normally gone to a mortgage and build our retirement nest egg! This has to be one of the most dynamic early mortgage payoff solutions for families ever!! Thank you! Thank you!" Ron & Pat C.

  • "I am very pleased with the program, and what it will do for us. I have recommended this to our friends, and one already got it." Angel & Juana S.

  • "I WAS EXCEPTIONALLY PLEASED AT THE PROFESSIONALISM CONCERNING MY ACCOUNT THAT WAS SHOWED TO ME. THANKS." ORIS G.

  • "We are quite happy with the Money Merge Account program and the service we've received so far." Charles H.

  • "The program seems good." DeLyle & Patricia D.

  • "I love this program. To me, it is easier to use than my Quicken Program I have been using for years. It's fun to see firsthand how depositing my paycheck into the HELOC changes my balance. And, best of all, I can't wait to see another prompt for the next principal reduction." Samuel & Wendy S.

  • "My coach was Amy P. She put me at ease and effectively answered my questions." Pat F.

  • "We are so glad to have a program that helps with getting our finances in order to pay off bills before retiring. It is still hard not wanting to over spend our monthly expenses." Mark S & Lisa A H.

  • "The Webinar was very helpful. I know I can successfully use the program now." Terry & Danielle B.

  • "The Money Merge Account program is the best thing since sliced bread." Sandra J.

  • "I can't believe that I waited so long to get this set up. I am impressed with how easy is really is." Bryce & Jerrene N.

  • "My trainer was very patient with me. He allowed me to try the system and ask questions, due to my unique situation. He explained everything I needed to know." Patricia C.

  • "The training manual is very easy to follow and has made my self induced learning curve easier. Thanks." Randy R.

  • "The service initially was great. When I e-mail UFirst, I get a fairly good response." Charles & Ronnette M.

  • "We were becoming overwhelmed with mortgage payments, credit cards, daily expenses, etc., until we were introduced to the Money Merge Account program. Once we were set up on the program, we were able to change our lives around. This is the greatest financial step we've ever taken to become debt free. THANKS!!!" Sandy & Mike M.

  • "I feel very comfortable running the software with the great one-on-one training that was offered. This product will help me achieve greater financial goals than I thought possible." Chad & Kathleen K.

  • "Randy C. was excellent! He was very knowledgeable." Patricia W.

  • "Overall, a great product." Simon K.

  • "We've been on the Money Merge Account program for 1 1/2 years, and this is the best financial move we have ever made. Thank You." Sandy & Mike M.

  • "I felt that Carlos (Trainer) was very knowledgeable of the service offered and did his best to get me through the training in an efficient manner. Customer Service has been good since I started using the service, too."Thank you." David C.

  • "Excellent! Very polite and professional. Ideal to work with." Patrick C.

  • "The program itself is great." Gabriel & Erica B.

  • "We were impressed with the service and knowledge of the agents and trainers throughout the whole process. What a phenomenal product! We are excited to be debt-free very shortly (less than 5 years) and able to use our available money to achieve additional life goals in the near future. Keep up the great work and service!" Sarah & Joseph P.

  • "I found my Money Merge Account program to be very effective for me. I am not a computer literate person so I needed to call for a lot of help. James G. was very patient with me and really walked me through my mistakes or problems. He is an asset to your company. He was very proficient with his knowledge." Patricia P.

  • "Eddie L. provided us with the coaching. He was very patient with us and worked at a speed that allowed us to follow along. He provided us with a follow-up e-mail and encouraged us to contact him if we had any further questions or wanted to take the coaching again. He made it an enjoyable training experience." Patrick K.

  • "The video training helped me the most in setting up and using the software." Robert K.

  • "Excellent program and very easy to use. I have been most pleased with it. I have already made 2 additional payments on my first mortgage in the first 4 months." Scott & Jennifer S.

  • "I found this program very helpful. It has helped to view the real price of my expenses. The ability to see what I can do with my money instead of wasting my money on things that I really do not need." Erik L.

  • "My trainer was patient with me and I will feel that I can call her when I need more help. She was very knowledgeable and definitely is a fine trainer. Thanks." Jean W.

  • "Examples seemed very good." Patrick M.

  • "The software is extremely easy to use and the screens are not overwhelming at all. Anyone should be able to do this. The service is very convenient." Scott B.

  • "I have been both impressed and pleased with my Money Merge Account experience to date. The first month was a little rough in sorting out my own procedures for transitioning into the program but I think I have it down now. Thanks much." Francis & Christina H.

  • "We received courteous, helpful support with our online training. The agent we talked to taught with clarity and it was easy to understand her instructions." Teresa & Paul S.

  • "Michelle did an outstanding job! I am not a computer person, but she was patient and walked me through the program and made me feel very comfortable. It did not make any difference what question I asked, she was patient, professional and very knowledgeable. I am a Business Owner and would hire her instantly! Thank you." Bob & Paula"

  • "This is outstanding! Thank you for this awesome opportunity!" Barry D.

  • "The Money Merge Account program is the best solution towards bringing America back to the land of the Free and the home of the Brave. Financial Freedom is a choice and UFirst bringing about the program is the choice every homeowner can now make. To God be the glory!" Sharon & Paul S.

  • "I have been most impressed with the software, the online training received and the knowledge and service provided by the call center associates. I am impressed by all aspects of the UFirst program that I have experienced so far." Jack & Paula M.

  • "The training slide presentation was very easy to understand and very easy to follow. It explained everything in detail. I can't wait to get started!" Paula & Rock S.

  • "Your client care representative, Ryan, helped me out with what I considered special care and I want to acknowledge him for it. It is awesome to imagine everyone being taken care of like this! Congratulations and Kudos to you, Ryan!" David & Lane

  • "We look forward to the challenge of learning how to make our money work for us. Thank You." Wade M.

  • "This is a one-of-a-kind program. I wish we knew about this 2 years ago. Thanks for changing our life." Bruce and Sheri J.

  • "I have been very blessed to be introduced to the Money Merge Account program. It is really making my dreams come true much sooner! Thanks and may God continue to bless!" Yvonne & Otis Q.

  • "At first I felt I was sort of thrown to the lions until I talked to my agent, who was great in helping me to get things started. He told me about the coaching to get me going. My thanks to Michael F. and thanks to Jessica, who helped me set up my account and understand it. She was very patient." Polly F.

  • "This evening I had Carrie help me with several problems/concerns I had with my action plan. I had many confusing dilemmas that I was hoping could be explained in a way where I can understand it. Carrie was A#1 !!!! I could not have asked for someone as friendly, informative, knowledgeable, and patient such as she was. Carrie did not display anything but sheer concern to help to get to the bottom of my problem!! I will, in the future, like to work with Carrie again, if possible. What a great experience! Thank you." Donna D.

  • "I am still getting the feel of working with this account and handling my money in a different manner than I have been used to." Tom & Jane A.

  • "As is the case with anything making the claims of UFirst, to pay off debt in record time, I approached with an understandable skepticism toward UFirst and the Money Merge Account system. As I have gotten a hold of the basic principles of the program and how it works to save many years of time and money, I have been left astounded. I spent an hour and a half with my trainer and came away so incredibly happy from the results available to me with this powerful program. I cannot, with words, convey my deep gratitude for this opportunity that has been presented to me and would hope that anyone under the crushing weight of a conventional mortgage would try this wonderful Money Merge Account system." Sophocles F.

  • "I have been very hesitant in attempting to use the UFirst program; however, after the session with a trainer, I feel I will be able to work with it with minimal assistance. I just wish I had not waited so long to get started!" John & Lynda P.

  • "Please pass on my thanks to service specialist Sandra. She spent nearly an hour on the phone helping me with questions. She also provided me with her e-mail address and phone number for further questions about my account. She represents your company very well! Thanks!" Randy O.

  • "Jared was very helpful with all of the information he provided. He was professional, courteous, friendly, thorough, responsive, and very easy to understand. I hope all of the coaches are like him. Thanks again!" BM

  • "Very good info and well explained." Chris & Judith C.

  • "I have gained a new understanding of how money works! When I started the program, my credit score was 731, but now I'm at 818 and climbing! With the way debt was getting out of control in this country, something had to give. Thank you for giving us the Money Merge Account program!" Stacey H.

  • "I have just started learning the use of the software. Having me set-up to use the software was a big deal for me to start saving from mortgage payment interest. The goal to pay off my mortgage has started to become a reality." Romelia R.

  • "The representative was very helpful. He was able to correct my action plan with explanations, and was very knowledgeable of the whole plan. He deserves a raise in pay!!!" Charlie P.

  • "Very Good Presentation - Very Professional." Barbara L.

  • "In the first 6 months using the software, we were able to eliminate almost $60,000 of interest and we are on track to be debt-free in 10 years. We love the hope that the Money Merge Account program has provided to us and feel very blessed. Because it is working so well for us, we now want to share the hope." Steve M.

  • "My house will be paid off in 5.4 years." Paula S.

  • "Jared G. is very positive, reassuring and explains very well." Reg M.

  • "Shawn was extremely helpful with answering my questions and taking care of a rather unique problem that I have with my mortgage. Shawn helped me with that and I am very grateful. He also helped re-establish my Money Merge Account program from the 3.0 version and that was terrific! Thanks to Shawn I can now get myself moving forward." Charlotte H.

  • "Way to go, Guys! Keep up the good work." Brad & Cheryl F.

  • "I paid off $35,000.00 of my principal balance in the first year on this program and I had only paid off $5,000.00 off of my principal in the first 4 years that I lived in my house. That is awesome. I didn't change anything in the way I am living my life. We still go out to eat every weekend and spend money as always. The only thing that has changed is the way I pay my bills and where I get the money from to pay them. I love the program and would recommend it to anyone that is serious about paying off their home quickly. We are looking to have children soon and, thanks to this program, my wife will be able to stay at home with the baby, instead of being forced to work to pay the bills. That is AWESOME !! This program has truly changed our outlook on life and in three and a half years we will have our house paid off. That's truly amazing." Steve & Carmen C.

  • "I just wish someone would have introduced me to this a long time ago!!!" Rodney & Elizabeth A.

  • "Caleb was very helpful, professional and thorough! Thanks!!" Rich & Toni C.

  • "Jennifer was instrumental in setting up my Money Merge Account program. Jennifer was extremely friendly, courteous and professional." Debbie

  • "We are absolutely delighted with this program." Sincerely, Donald & Cynthia M.

  • "Because our LOC is not able to take direct deposit, it takes a little more effort on our part to make this program work, but IT WORKS!! In less than 3 months of using this program we have reduced our mortgage from just under 116K to 105K." Gail G.

  • "I like the dynamic nature of the Money Merge Account program. It's easy to figure out how to accurately display my exact financial circumstances. I can't wait to make my first large principal mortgage payment." Charles A.

  • "Mason did a wonderful job. I look forward to working with him in the future." Richard H.

  • "Travis was very helpful. We feel we understand the program better now. As soon as we feel more confident about how the program is working for us, we shall be happy to recommend the program to others. Thanks again." Frank & Elaine S.

  • "We are anxious to see how this is going to work. We'll be even more excited if this helps us with our finances." Craig & Donna G.

  • "A truly ingenious concept that has revolutionized how I pay my mortgage. I expect to pay my 30-year mortgage off in under 15 years and I don't feel as though I have less disposable income than before. I am seeing progress and it's only been 6 months." Steve H.

  • "I like the Money Merge Account program and I will continue using it with every detail of my money managing. I am still learning as I go, and I think this is a wonderful tool to have. It has enabled me to be more watchful of my spending and trying to keep everything under control." Robert & Sandy P.

  • "Our trainer (Andy) was very prompt, informative, and courteous during our training session. We had a bad phone connection on our end and he worked with the problem very well. We appreciated his professional manner. Thanks." Rick and Chris R.

  • "Rachel was great...very nice, pleasant to deal with, and most importantly was very patient while I tried to explain my questions." Jeff R.

  • "We are excited to be on the Money Merge Account program and we're anxious to get going and to see what it can do for us." Heath & Steph T.

  • "The Money Merge Account program makes ‘the light at the end of the tunnel’ shine brighter and stronger than ever beforelike a homing beacon reeling in ships being tossed about in the sea of financial chaos. Well worth every penny!" Steve Y.

  • "I love the Money Merge Account program. I found there was a learning curve to effectively run my Money Merge Account program. After the learning curve, I found it was very easy to navigate and look at my financial future. Thank you." Joe & Debbie S.

  • "We had a very good experience with Eddie, our trainer. We pretty much waited a year to get this going. Our level of interest is high and we will see the benefits as we progress." Robert P.

  • "My experience with Sam was very positive and he asked me questions pertaining to my current status on the Money Merge Account program and was very helpful, I appreciate his expertise and knowledge and will call him again, thanks." Jeff W.

  • "We are so excited." David W.

  • "This program is amazing. I was skeptical at first and then I started the program and realized how quickly I was reducing my debt without changing my spending habits. The Money Merge Account product has given me hope for a debt-free future. I can hardly wait to see what the program does when I deposit my tax refund. Thank you for saving my future." Dawn W.

  • "I love this program even though I just got it I can really see the potential. It drives you to succeed in your financial goals. Thank you." Alan C.

  • "Our training was thorough and well managed. Jake effectively answered all of our questions in an informed and professional manner. His phone mannerisms were friendly and courteous allowing for us to relax and enjoy what could have been a tedious training session. Instead, it was an informative and easy experience with Jake moving us quickly and efficiently through every aspect of the program." Thanks!" Robert & Beth R.

  • "Ryan was superb. We have a very complicated situation involving separate LLCs for our Real Estate Investments. We needed to keep these separate for tax & accounting purposes. Thanks so much!" Jo H. & Doug P.

  • "We are very pleased with the program. It is working well for us." Rodney & Sarah M.

  • "Easy setup. It certainly helps you see where all your monthly income is going. I use the software for personal goals in my new budget which was nonexistent before using this program. Thank you, UFirst, for being my guiding light through the murky waters of living from paycheck to paycheck. Your software keeps me organized and on track with all of my bills and household expenses." Dawn W.

  • "I love your product and am completely sold on the benefit of using it!" Steve & Lori M.

  • "Mike B. was very helpful. David W. was also excellent in his presentation of the Money Merge Account program. Thank the Lord God Almighty for this wonderful way to become debt free! Thank you all!" Robert & Christy V.

  • "I am happy learning about money and finances and feel the support is friendly, knowledgeable, and very patient with me. Good job. Thank you so very much!" Kirsten M.

  • "We thought the seminar was good and the trainer knowledgeable." Michael & Deborah H.

  • "This program is an excellent tool in paying off your home early and this program teaches you about budgeting your income to achieve financial freedom." Stu H.

  • "I really like the way the Money Merge Account software is laid out. Simple and yet it has everything you need to monitor as you update your payoffs." Patrick & Kathleen H.

  • "My training and time spent with Marcus R. should enable me to take an immediate giant step toward financial freedom via using the Money Merge Account program software. Marcus proved to be extremely knowledgeable while displaying the patience of the Biblical character, Job, as he explained everything to me via the A-B-C [Accurate-Brief-Clear] manner. Thanks so very much again, Marcus." Bob M.

  • "Carrie was excellent in all areas. I will have to use the program for a while to actually see for myself. It looks good and I have confidence if I am consistent with executing the plan and actually looking at it every day it will work. Thank You." Celine S.

  • "You did a great job!" Brett & Katrina G.

  • "This is a great tool. I love it!!!!!!!!!!!!!!!!!!!! I wish I knew about it at an earlier age !!!!!!!!!!" Stuart C.

  • "The coach was wonderful and gave me a much better understanding of the program. I appreciate how there is assistance all along the way. I like how the company is determined to make it work for us." Stephanie D.

  • "Rep Caleb C. was very helpful in making our transition to the new version easy. He answered all of our questions and made sure we'll be able to continue forward seamlessly toward success. Thanks!" Robert & Gina F.

  • "Jared was extremely friendly, courteous, professional, and offered many reassuring comments regarding United First Financial's available assistance." Debbie

  • "Your employees have been professional, and I'm excited about joining this program!" Kimberly L.

  • "This is truly an incredible program to help the average person that doesn't have a lot of extra cash actually become debt free in a short period of time. Being able to see the consequences of financial decisions in real time makes it so much easier to decide what the best option for spending or not spending money is. It is an incredible planning tool, as it guides me toward becoming debt free! Thank you, UFirst. I couldn't do it without you!!" Susan H.

  • "The Money Merge Account program seems to have definite benefits. It makes some aspects of managing money much easier. I wonder why more people don't use it." Joan T.

  • "The experience was painless. The trainer was knowledgeable and easy to follow. He proceeded at my speed, not his, and was sure that the message was communicated before moving on to next phase. I feel very confident that anyone I tell about this experience will be able to look forward to their training." Robert & Linda D.

  • "Randy was fantastic. He was so patient and polite. I really appreciate all his help and the way he treated me. If I ever have to call again, I hope I get him." Kathy

  • "You guys are WONDERFUL! Thanks for all you do." Cathy

  • "This program is extremely easy to work with. I know many individuals will not understand the benefits because it seems '""Too Good to be True""'. I am telling you, please think outside of tradition and view this with an open mind. "Information is FREE. It's what you do with it that COUNTS!!!!!" Tara L.

  • "I think this will be very beneficial in helping me to save a lot of money on my first mortgage, and ultimately to pay down my debt load, by making me much more aware of where my money is going." Keith & Sue A.

  • "I have received very personal, detailed attention from my trainer, Michael S. I feel comfortable talking with him and he has always assured me that I should never hesitate in calling him at any time. Because of this, I have been trained in a very professional manner." Robert S. & Carol M.

  • "Randy could not be more helpful! I really appreciate his competence and the comfort I have with him." Jack V.

  • "Randy did a good job and was very patient." Anita T.

  • "Since starting with our Money Merge Account program, we have reduced our principal hugely. It has been an answer to our prayers. We now see the light at the end of the tunnel. We no longer worry that we will not have our house paid off before we retire in 6 years!!! It is all good. This is a win/win situation! Thank you so much!" Terri H.

  • "I thought everything went well with all the explaining that I had. It was tough at first. But it was interesting enough to me that I wanted to know more about it. With a little studying on the Money Merge Account program it all made a lot of sense. If I can do it, anyone can." Terri F.

  • "Fred put a lot of effort into my account. He also took his time to put his personal challenges to the test. Overall, he did a great job and should be commended. Thank you, Fred." Sal P.

  • "Jake was wonderful in responding to my requesttimely, polite, professional, and competent! Thanks for everything!" Lisa

  • "We just updated to version 4. Had a few kinks but Carrie happily helped us work through them. Very much appreciated. Thank you." Julie & Marty D.

  • "Dear UFirst: We first attended a seminar in June 2007 and did not sign on board until December. We were a bit skeptical because this program sounded too good to be true. My experience with UFirst and the Money Merge Account program has been nothing short of exceptional! You are the first company I have dealt with in quite a long time that offers outstanding customer service. Although I have only needed to call twice, each time I was greeted by someone who was professional and very knowledgeable about your products and services. I never felt rushed or foolish when calling. We have used your product for approximately four months and find it extremely easy to navigate. Our payoff date is closer than initially anticipated and we are very pleased with all aspects of UFirst and the program. Others should take advantage of your money saving software! It feels great each week when I transfer our paychecks to our HELOC, knowing we are getting closer to having our home paid in full. Thanks again for your wonderful product." Michelle L.

  • "I WANT TO THANK UFIRST FOR PROVIDING THE OPPORTUNITY TO BECOME DEBT FREE SOONER THAN I EVER THOUGHT POSSIBLE. MAY GOD CONTINUE TO BLESS AND PROSPER YOU ALL. THANK YOU." CLAUDETTE B.

  • "My Training was second to none. She was professional, courteous and never hesitated answering questions. This to me is someone who knows the product and knows it well." Shawn K.

  • "Caleb is a wonderful young man. He is incredible at understanding the program of United First Financial. His response to all my questions was immediate, he didn't have to take time to think, he just knew the answers. He is a great asset to United First Financial. He is very friendly and warm, and with his knowledge he deserves a commendation. It was a joy to work with him. Thanks." Loraine B.

  • "Andalin is always very pleasant and helpful. UFirst is awesome. Thanks so much." Wes K.

  • "I would have never believed this program could do what it does. I bought the program while being somewhat skeptical; however, since owning it for three months, I have paid down my mortgage by over $24,000 and I have not changed my lifestyle at all. This program is an awesome budget machine, the best I have ever seen. I expect to have my home paid off in 2 more years. I originally had 12.3 years left. Keep up the good work." Timothy & Marina D.

  • "I wish I had this years ago!!!! Thank you." Rachel & Robert S.

  • "The agents were thorough and patient in taking time to explain and, at times, re-explain the program to me. I felt no pressure to enroll. They have stood by me through the process." Sherri V.

  • "Carrie H. is an angel from God. She is so sweet, so patient, and so compassionate we can't imagine how someone could be better. Don't let her go! She sold us on the benefits of Money Merge Account program just with her patience and explanation of our questions. Thank you for her. We hope she sees this." Mark & Rise"

  • "With a few minutes each week I have been able to manage the account easily and love seeing that the 7-year home loan as of last August (2007) will be gone as of September 08, saving us tens of thousands of dollars in interest! Fantastic for us as recently retired people! Thank you!" Dr. Tom M.

  • "I'm excited and grateful for UFirst for offering this great program! I look forward to using it and watching my financial future become bright. Thank you again for this program!" Tina B.

  • "Danny P. was very patient and knowledgeable when trying to help me get set up." Steve and Karen P.

  • "Shannon was a big help in stepping me through some problems I had with my account. I had a temporary problem with our internet access while she was assisting me so I told her I would have to call her back. Shannon was very courteous and made sure that I was to ask for her once our internet problem was solved. I called her back about 30 minutes later and she stepped me through the remaining questions I had. I am still new to the UFirst process but I am confident now that with Shannon's help in the future, I will become an expert at managing my account. Thank you, Shannon, you were an answered prayer." Michael B.

  • "The software interface is well designed and simple. It should be easy to use even by someone with limited computing experience. The training video is well done and to the point. The concept behind this software is especially important today, when it seems that most of us really have trouble getting a handle on our finances by ourselves. It makes financial prudence an easily obtainable goal. Maybe the Big 3 automakers could use software like this to get their own financial houses in order. Our Federal Government could too." Toni & Rene M.

  • "I'm just getting started but it appears straightforward and user friendly. I'm very excited to have purchased this software." Linda E.

  • "Diane T. was very helpful and all my questions were answered appropriately. She should get a raise." Steve B.

  • "Shawn was excellent. Most of my reservations are about my confidence and ability and have to do with my own learning curve on computers and data entry. Thank you. I look forward to using the Money Merge Account program." Paula G.

  • "I've been in the real estate industry for 15 years, and this is the most comprehensive plan to pay down a mortgage that I have seen. My husband and I have been through other financial training courses that use cash only, and our payoff on that system was 11 years (as long as we put every penny from every debt paid off toward our mortgage). I appreciate the budgeting and financial discipline that we gained from that course, and I believe that it will only make the experience with the Money Merge Account program that much better. Our first funds transfer is over $11,000, an amount that we could never have done on our own! We are scheduled to pay off our mortgage in 6 years!" Traci & Michael B.

  • "I'm really EXCITED to be using this program to pay off my mortgage in a few short years. I can't wait to get started." Paul & Jane D.

  • "Travis G. was very pleasant and knowledgeable. It's so thrilling to know that you have such an exceptional staff helping your customers. Thanks to everyone!!!" Susie M.

  • "Temre has always given great service, but this new reporting survey system is great because it will help everyone get maybe close to how well Temre does! Thanks." Pete

  • "I have had this site for two years now and was pretty satisfied, but now with the upgrade ... OMG, I can really itemize all my accounts and keep track of all incoming/outgoing money at a glance! My '""coach""' is great. Lots of patience with all my questions and I love the fact that I can e-mail him with any and all question in the meantime. LOTS OF KUDOS to you and your wonderful staff. I have been bragging to all that would listen. Keep up the good work." Tracy G.

  • "I'm so excited to see how this will help me and my family achieve our financial goals!" Bryan & Christie B.

  • "Christian was patient and personable. I'm quite insecure when it comes to matters of finance. He not only helped me begin to understand how this system is going to work for me, he did it without making me feel like a nitwit!!" Teresa C.

  • "Sam was extremely helpful. He understood my questions and concerns. He answered my questions and I felt like he really cared and wanted to help. I wasn't just another call to him. Thanks." Sam

  • "I was a little reluctant to use the program at first. My husband and I had to sleep on the idea. Two days later, I woke in the middle of the night and I whispered to him '""Are you sleeping? I think that the Money Merge Account thing will be beneficial to us."' He responded ""Yeah?"" The next day, early morning, I told him that we could try it and see what happens. He said, '""Alright, but you have to learn everything about it and report it to me."' At that time, I was so excited. I'm not a computer person, I must say, but I learned the basics just to start with it. Frankly, this was the best decision that we took. We did a couple of investments here and there before, but this program is very much meeting our needs. I wish that I knew about it previously. I thank God daily for this wonderful program. We are very satisfied with it." Chantalle J.

  • "I'm very excited about this Money Merge Account program. It will help us to achieve our goal! I like this product so well I look forward in sharing this product with others to help them reach their goal! Thanks, UFirst." Carolyn & David S.

  • "Although this was not a training call, our coach, Rachel S., represented UFirst very well. I spent at least 25 minutes with her and she was very knowledgeable and thorough on her delivery. Our minds are more at ease after the experience. Keep up the great work!!" Terry & Thelma R.

  • "Rachel has helped me with several of my clients. She has helped my sister with her Money Merge Account program problems and has shown confidence and professionalism in solving all problems, which has helped my clients feel a caring and personal attitude toward them. This lady is one of your best." Sam S.

  • "This is truly a life-changing experience, and we are so thankful to Brian N. and Ryan M. for all their help in setting up our Money Merge Account program. To think that we were once living paycheck to paycheck and now we will be DEBT FREE in half the time it was going to take to pay off our 1st Mortgage is absolutely an incredible feeling. I am going to show all my family, friends and neighbors this and urge anyone who wants to totally eliminate their debt in the fastest way possible to stop waiting around, wondering if this is for them, because IT IS! The only thing you have to lose is your debt! Live FREE! Thanks again." Vynn and Erica P.

  • "I'M VERY NEW AT THE COMPUTER, BUT I FIND IT EASY TO WORK THE MONEY MERGE ACOUNT PROGRAM. IT HASN'T EVEN BEEN A MONTH, BUT I CAN ALREADY SEE HOW THE PROGRAM IS WORKING FOR ME. IF I MAKE A MISTAKE OR FORGET ONE OF THE STEPS, ALL I HAVE TO DO IS CALL THE SUPPORT NUMBER AND THEY WALK ME THROUGH IT." Frank & Celia B.

  • "I recently called in to have my Money Merge Account balance updated and was helped by customer service Caleb C. He was very helpful and friendly and made the process easy. Thank you for having a great customer service person, who is knowledgeable about the program. Also, I appreciate the short wait time for customer service." Thomas & Dana P.

  • "Lorie was extremely professional and friendly especially since I contacted her two nights in a row just before she was about to go home for the evening. She quickly acknowledged receipt of my faxed document and began the subsequent tasks. I'm honored to work with people such as Lorie as we move to change the financial and personal landscapes of America and the world." Susan M.

  • "You know, there are some things that are too good to be true. This is not one of those. It is true, the system works. We knocked off 10k in payments saving us around 30k in interest charges in the first 4 months. I would do it again in a heartbeat. Thank you." Wade & Bobbie R.

  • "I'm very pleased with the program and love the money we are saving." Clinton & Kimberly O.

  • "Rachel S. was great. Please tell her we said thank you." Thomas R.

  • "Our experience with United First Financial has been nothing short of phenomenal. When we first heard about the program, we were interested, so our agent came out, gathered information and set up a program for us. We did have challenges for the first couple of months, because we weren't following the program exactly as we were told, but when we finally did get things straightened out, we were able to put $11,000 toward our principal!! So, needless to say, we're excited about what is going to happen in the future! Thank you United First Financial!" Wade P. & Delores H.

  • "Initially when I saw my program for the first time, I felt intimidated. After the Webinar training, I no longer felt intimidated. I kind of felt silly for feeling intimidated because the program is so easy to manage." Juliet S.

  • "I received my coaching session call on time even though my DSL was down at the time of my appointment. Mike T. waited and coached me with patience and clarity. It is a blessing to speak with someone who communicates effectively and clearly. Thank you for the support, and it was well worth the time. God bless." Tim D.

  • "Rachel made me feel very comfortable with the products. If I need to call for more questions, I have no worries that my questions won't be answered. Rachel was very professional and helpful. Thank you." Terez B.

  • "We are very satisfied with the first three months of usage. We have been able to reduce our principal balance on our 1st mortgage by $13,000.00 and are on schedule to complete the pay off in about eleven years." Walt W.

  • "It looks like a very good program to reduce your home mortgage. My wife and I are excited to be using it to pay our mortgage off this early, so hopefully we can retire earlier than planned." Tim & Sheri S.

  • "PARIS B. AT THE HOME OFFICE DID AN OUTSTANDING JOB IN ASSISTING ME IN THE SETUP OF MY PROGRAM, WHICH WAS DIFFICULT, BECAUSE IT IS A HOA LOAN WITH GMAC BANK AND THE FIRST ONE THAT YOU FOLKS HAVE DONE. THE SERVICE PEOPLE HAVE ALSO BEEN VERY HELPFUL EVERY TIME I HAVE CALLED." TIM G.

  • "Patrick was very kind and made me feel like I was important. Thank you." Terry G.

  • "The Money Merge Account system is, by far, the best system that exists. I wish I knew of this five years earlier. I would be out of debt long ago." Wayne & Alleyne A.

  • "I have been through the PowerPoint presentation about three times and I just finished my live coaching. Like anything new I will have to work with it to feel more comfortable. The best part is I am on my way to financial freedom." Joseph & Elaine M.

  • "Jose was really great, courteous and helpful." Tom & Tina R.

  • "Sam G was great. The questions we had were answered in a way we could understand, and this kept my wife from crying. (Just joking, but she was a little stressed until we called). Thank you for your great help." Mr. & Mrs. Q."

  • "Ken & Kelly M. have been friends of mine for many years. They showed me the Money Merge Account system in December of 2006. We have been able to take my 27-year mortgage and in one year of being on the program, I now have only 9 years left and I will be debt free." Bill P.

  • "Our trainer did an exceptional job of explaining the product, helping me set-up my account, and answer lots of questions as I proceeded with the program. The Trainer (Michael S.) and Client Support Personnel (Kayla M.) have been exceptional in their dealings with me--patient, kind, knowledgeable and willing to explain and re-explain when needed. I'm sooo glad I chose this financial product at a time when I needed help. It has relieved a lot of stress and pressure. Thanks for making this available to the average person on the street." Diane S. G.

  • "Your customer service is phenomenal! Over the past year, I've been assisted by Austin O., Ashlyn O. and Sam G., and all were professional, patient and personable! I look forward to using the updated features." Toni S.

  • "I AM A '""NEWBIE""' AND HAVE SPOKEN TO SEVERAL PEOPLE, ALL OF WHOM HAVE A VERY POSITIVE ATTITUDE AND ARE PATIENT AND KNOWLEDGEABLE. THANX." Vern

  • "There is a security that comes from having the program work for us that cannot be fully articulated. We don't think that a financial value can be placed on this. The actuals that the information from our financial dashboard and report section provides any time that we log in gives us an understanding of where we are right now. This is a powerful catalyst for even greater hope as we face our future. On a personal note, we recently had a month where there were greater expenses than planned for. Even with our own checking software program, there was no way we could '""see""' what effect these transactions had on our long-term future. I personally dreaded facing the numbers I needed to input into our program. Minutes into reconciliation of our account, we were pleased to see that we were still right on track, that interest had been cancelled even on our LOC account, and that all was working for us. This is priceless. Everyone should have this liberty." William & Victoria Z.

  • "I just set up my Money Merge Account program. I can't wait to begin pushing the execute buttons for my Action Plan and watching the time to paying off my mortgage get closer and closer." Julie C.

  • "My coaching session was very helpful and clearly explained the options and the use of the software. I now feel very confident in using this software tool to achieve my financial goals of paying off my mortgage much quicker than imagined." Valerie J. & Duane H.

  • "Having been on Money Merge Account program, I think the product is outstanding." Virginia D

  • "This program kicks major bootie! Sean is an excellent trainer/coach! With all the apparent pitfalls in the financial markets these days, and the ridiculous ways our government intervenes, thinking they can help when they are the problem in creating more debt for us all, I say that the U.S. GOVERMENT should be on this program and get rid of the national debt!" William C.

  • "Lori was an awesome coach and the Money Merge Account program will be fun to watch how it helps eliminate interest. This is just a no brainer, Everyone ought to be doing this." Don D.

  • "I was fortunate enough to have as my trainer Paris B. He is the best. I obtained my Money Merge Account program in the early days of the product, and Paris was one of the first to train clients and I was lucky. My only regret is that the company has grown so fast and everyone is so busy that it is harder to get Paris on the phone. Thanks, UFirst. The product is awesome!" Victoria E. & Jeffery L.

  • "So far the Money Merge Account program has been easy to use, and has helped my wife and I make financial decisions more effectively. It keeps us more aware of the effects of our spending habits, and helps us adjust those habits to optimize our savings." William S.

  • "Love the thought of the future. Our new motto here is '""5 and out'"". Kate & Chris W.

  • "Jared G. was excellent! What a blessing to have someone who is very patient as well as professional. He will make a great Team Leader if he is not already one." Wade A.

  • "This is an excellent program in helping to get out of debt and build a secure financial future. I wish had this tool available to me 10 years ago." Yvonne P.

  • "Making the decision to use Money Merge Account program and going through the process of going active was phenomenal. Implementing and starting was equally good." Harold L.

  • "Thank you. Client Support assistant Caleb C. was most helpful in helping me match my bank balances with those in the Money Merge Account 4 program. I felt much more confidence after learning and inputting the transactions. This is a wonderful financial guidance program." Walt & Loretta P.

  • "I have already paid off my home mortgage. Now it is on a commercial building and I have paid it down 1/3 of the beginning amount. This is the second time I have used your services." Dwight W.

  • "My expenses increased rather dramatically after I starting using the program. Therefore, I was disappointed to see my payoff go from 11 years to over 17 - yikes. However, doing a few what-ifs showed me that it is quite possible to get back on track to pay off in less than 15 years (my own personal goal). It really is a great tool." Max & Tricia D.

  • "Thank you, Karina, for helping me understand how the program works! :)" Wanida K.

  • "My nephew presented this program to me and my husband. At first I thought it was too good to be true until he showed us the DVD. After watching the program we decided that this is what we have been looking for. I have tried paying extra on my mortgage but it looked like it was never going down, so that is why we decided to go with the Money Merge Account program." Rowena & Orthniel S.

  • "I could not have gotten a better coach than Michael if I had picked him out myself." Wayne G.

  • "I have discipline for finances that I never had before, because my financial picture is right in front of me with the Money Merge Account program. Thanks." Anita & Donald K.

  • "Not only are we excited about saving money and paying off our mortgage sooner, but also by helping others to do the same." Paul S.

  • "EXCELLENT and very easy to understand. I feel so safe doing this. The instructor was easy to work with and answered all my questions." Wesley & Kelly M.

  • "This is a very effective yet simple system that forces one to face their debt and focus on paying it down, while at the same time being more conscious of future spending." Araceli S.

  • "Amber was very helpful and explained more about how the program works. It is easier to understand now as I was using the old thinking that has kept me in debt for so many years. I have balanced my first full month and I am ready to start getting debt free. I am excited!!" John N.

  • "Enjoyed the training. Marcus was excellent in explaining the financial HELOC system. My questions were answered professionally and in a way I could understand. I'm excited about this new way of paying off my mortgage. Thanks and God bless you." Pastor Linda G.

  • "We love the Money Merge Account program!! It is helping us so much to pay off our home!! I love to log on and see our payoff date! We get so excited to know that soon we will be debt-free for the rest our lives!! We were paying off our debt as fast as we could, along with saving money for our rents, but this program allows us to put everything to it and save the interest on our home ... and then pull out the money when we need to!! Thanks, United First Financial!!" Ben & Maria M.

  • "Our coach Andrew was very courteous and professional. We appreciate his patience in answering all of our questions when asked and of his knowledge of the Money Merge Account Program. This program is a wonderful tool and we recommend it to everyone." David & Arlene H.

  • "Adam took me through the program in a professional, non-hurried way. I have a basic knowledge of computers and Adam was patient and very helpful, carefully explaining procedures to me and making sure that I had a grasp of what he was doing." William J.

  • "The program is excellent in helping us achieve our goal of being completely debt free in a short period of time. We look forward to the day when our Mortgage is paid and we are able to take that money and apply it somewhere else. Thanks for an awesome program." Ben & Ramona H.

  • "This product and process is an answer to many of our financial needs and inquiries we had made to financial planners in the past." Scott & Eileen F.

  • "Andrew did a great job and was very patient with me, considering we have dial-up internet and it was very slow. Andrew is very knowledgeable, and if I had a question he is who I would ask for when calling your center!" “William & Julee B.

  • "I think that this is the best program to help me and others manage money. I look forward to seeing if I can beat the time that I was told it would take to pay off my mortgage." Bonnie C.

  • "Our representative was friendly. The program itself is great. We never really followed a budget program for our finances. My wife always robbed Peter to pay Paul, leaving that bill to go delinquent a month. Now we have a program that tracks it all, and I too am able to keep her on track every month by taking a look at where the money is going since we split the duties. She pays the bills and I do all the UFirst transactions." Art & Marie S.

  • "Eddy D. is an exceptionally patient, courteous and understanding individual. He is the primary reason for my staying involved with the Money Merge Account program. He has answered each question that has perplexed me during my stint with this program. I can only tell you what a pleasure to speak with an individual who has the ability to aid me on a personal basis (and is so patient) when I have question(s) that need to be answered. Thanks to him I feel like I am learning to use the program as intended. Thank You, Thank You." William & Linda S.

  • "This is the best program that I have ever seen. It has made me a more wise shopper and a more frugal user of my money. Thank you, United First Financial." Brian G.

  • "OUTSTANDING SERVICE, I LOOK FORWARD TO WORKING WITH THIS NEW SOFTWARE." Lincoln L.

  • "I received prompt, efficient and courteous service." William & Margaret K.

  • "I am very pleased with my Money Merge Account program. After one year, I am right on target." B.C.

  • "Like everyone else, looks too good to be true. However, figures don't lie. I'm looking forward to making my dreams come true. THANKS." Patricia W.

  • "My trainer, Jonathan, was excellent in his product knowledge and in his professionalism and courtesy. He's a great employee of a great company." Bill S.

  • "THIS PROGRAM WAS AN ANSWER TO OUR PRAYERS. MY HUSBAND AND I WOULD LIKE TO RETIRE REAL SOON AND WE CAN DO THAT A LOT EASIER, NOW THAT WE ARE ON THE PROGRAM WITH UFIRST. THANKS TO A GREAT COMPANY WHO CARES ABOUT PEOPLE." PAULINE N.

  • "Set up was really easy and self explanatory with options available if needed. So far I'm impressed with everything from the product to the service." Verne & Deborah S.

  • "I would like to give credit to my facilitator, Shannon O., for doing a great job in explaining the program. Thanks." Suzanne W. Winn W.

  • "I am extremely excited about implementing our Money Merge Account software. My husband and I are within five years of retirement. We have put all of the pieces for a comfortable retirement in place with the exception of paying off our mortgage. Until being presented with the Money Merge Account program, we were unable to figure out how to be totally debt free at retirement without sacrificing our current lifestyle. The Money Merge Account program will help us not only pay off our mortgage quickly, but allow us to do so and still enjoy our lives. The bonus I see after my coaching session is that the Money Merge Account program is also an awesome budgeting tool. I'm looking forward to working with United First Financial to pay off our mortgage and can't wait for new product rollouts!" Connie T.

  • "Since getting over my initial skepticism, this program has convinced me that it can only be for my benefit." Herolin & Jacqueline A.

  • "I'M GONNA RECOMMEND THIS TO THE OPEN-MINDED PEOPLE THAT I KNOW AS SOON AS I UNDERSTAND A LITTLE MORE AS TO WHAT I'M DOING. THANK YOU, MIKE B., FOR YOUR HELP. I CARE ENOUGH TO TRY TO HELP OTHERS. IF THEY SAY '""NOT INTERESTED,""' I WILL WISH THEM WELL. THANK YOU AGAIN AND AGAIN! "”ANTIONETTE N.

  • "After learning about this system, I cannot look at the money with the same eyes. I just wish I knew about it earlier. Great job!” Corina & Boja I.

  • "So far so good. I am very excited to be a client. I am a very skeptical person and would never do anything via Internet or trust anyone's software. Somehow, I have a good feeling on this one, thanks to Shane W. He doesn't know he helped big in my decision to go ahead with this. Only because I wondered is this for real or just another gimmick." Rita & Rafael F.

  • "I am just learning the system and am pleased with the service and system. I am looking forward to seeing my progress in a few months. Everyone has been very professional and helpful." Cherryl Q.

  • "Each time I speak to a representative of United First Financial I am reminded of the fact that there is still a company which understands the importance of excellent customer care. They are courteous, patient, knowledgeable, professional and personable. Without exception, each time I have ended a call with one of your representatives, I say to myself '""these people are incredible!'"" Cyndee J.

  • "I'm anxious to get going! This spells out exactly where we are and how to improve our situation." David & Kristine C.

  • "We were pretty much kind of new at the system and I just moved ahead, without needing much supervision. But they were there to help me if I needed it and they are all real good people."”Edward & Denise M.

  • "This has brought a new dimension to my life. It has laid out a plan in front of me and has given me confidence in managing my finances." Douglas H.

  • "Thank you for creating this program for people who are working towards holding on to their homes in these trying times."”Augustine & Rita O.

  • "THE PROGRAM LOOKS LIKE IT SHOULD MAKE IT A LOT BETTER IN HAVING BETTER CONTROL OF EXPENSES AND GETTING OUT OF DEBT MUCH FASTER. LOOK FORWARD TO A GREAT NEW YEAR." Edward P.

  • "Not only does the Money Merge Account system facilitate the early payoff of your mortgage, saving thousands of dollars, but I feel the real value is that it forces you to analyze contemplated purchases critically, in terms of real dollar impact on the payoff of your mortgage. When you weigh the necessity of having the desired item against adding 3 or 4 years back onto your mortgage, it makes you think twice and avoid all but really necessary expenditures. One drawback, which is no one's fault, is that during these tough economic times, when the cost of oil drove the price of gas and everything delivered, way up, the difference between income and expenses was sharply diminished, making us increase our monthly deduction for expenditures, and sometimes miss a deposit of social security, or a pay check, which of course negatively impacts the progress one enjoys watching month to month and dampens enthusiasm and discipline. Nevertheless, even in hard times it helps us to hang in there to prevent further or unnecessary erosion of our progress. We have just refinanced our home, and that will help. I'm about to see how the program works on a refinancing, but I have every confidence it will live up to the standard I have already enjoyed with UFirst. Thank you!" Frank M.

  • "The set up was easy and quick without a lot of confusion. So far we are pleased with the outcome, and see the possibilities of using this account to enhance our personal financial environment in the future." Mark & Kahori F.

  • "I am looking forward to seeing how I can get the most out of using my Money Merge Account program and making my money work for me." Gary & Andrea G.

  • "My agent and I learned something we did not know about the software today. Thanks." Alice.

  • "I believe the Money Merge Account program is a great tool to help people visualize their personal position in regard to their financial plans. It is easy and very user friendly. I feel very fortunate to have found such a great tool! Now I realize I have a real plan toward my future and it is up to me to accomplish it!" Gladys R.

  • "The coaching session was very informative and the agent was able to answer all of my questions. This product is fantastic for those who are able to stick with a plan!" Wanda P.

  • "We're very excited about this program. We can't wait to start shaving years off our mortgage." Sheila L.

  • "It is such a blessing to be able to have a way to monitor how we are doing with our '""get out of debt plan.'" The Money Merge Account structure has given us a great tool that has helped us become much more aware of our spending habits. Thanks for such a life-changing product!" Harry & Wenda E.

  • "The initial 2-4 months are critical because everyone needs to train themselves by doing the tasks enough to ensure their comfort level. It remains, I feel, that it is still on-going to see the effective results of '""paying down'"" one's balances for it to sink in exactly how the program progresses." Mike M.

  • "Great program to help get our expenses under control." George S.

  • "The best money management program I have ever been presented." James P.

  • "I can't wait to get started now that I have the knowledge needed to operate the program. I now know it is good to move money out of saving and into LOC with no worries". Deborah H.

  • "I would like to say that it has been a very fruitful experience working with United First Financial. Thank you once again." Juan & Sylvia B.

  • "With each passing month, I have become more and more efficient at utilizing the software to cancel the interest generated by the HELOC and other accounts." James S.

  • "The method of visually seeing and controlling my monthly financial actions will guide me to be on time and efficient with my financial goals. Thank you." Stanley & Janice P.

  • "We are grateful that this program was presented to us so that we can leverage our money. Thank you." Jack and Marea K.

  • "It's really comforting to know that I have access to a real person, my own personal trainer to answer questions and guide me as I learn to use my Money Merge Account program. What a guarantee of Success! I checked into similar programs, but chose UFirst because of its people. Thank you for providing such great service!" Jana T.

  • "The Money Merge Account program is an excellent tool for money management discipline. Sure wish this was available to me much sooner in my life. Overall, thanks for an excellent program." Omer & Juanita L.

  • "I look forward to understanding more the long-term savings of this program. Thank you for all your help." Max & Carleena S.

  • "I did not need a personal trainer. Doing the tutorial online worked just fine. Excellent training tool. Misty W., my agent, answered a couple of questions I had and confirmed my knowledge of how to navigate around the Money Merge Account program. I love how you can do '""what ifs'"" and see how it will affect my mortgage payoff. Great tool for financial success! I am a banker who wants to help others gain financial freedom." Jeff P.

  • "The Money Merge Account program has been very helpful in reaching my financial goal of paying off my mortgage and getting out of debt." Bob & Victoria K.

  • "Excellent system and professional sales rep. We look forward to reaping the rewards that UFirst offers!" Randall & Holly J.

  • "We have actively kept up with our Money Merge Account program, and it is helping us to make better choices on how we spend our money. Since starting the program, we have been carefully tracking our money and catching mistakes before they become major problems. We are conscientiously looking for ways to trim our spending in order to get out of debt more quickly. This program has really helped us turn around our spending habits. With that said, I don't want to leave the impression that we are not enjoying the fruits of our labors. That could not be further from the truth. In fact, since we now know EXACTLY where we are financially, we have found it easier to share our monetary resources with others. It is great to have peace of mind and know that we can achieve our goals!!!" John & Cindy N.

  • "The money management software is a great tool for managing our finances. I now have the ability to manage our financial affairs and make informed choices on what purchases make financial sense over time." Eric & Beverly I.

  • "I AM HAPPY TO BE PART OF THE MONEY MERGE ACCOUNT SYSTEM. I AM PLEASED TO KNOW ABOUT UNITED FIRST FINANCIAL. SO FAR I AM BLESSED. THANK GOD FOR HIS GOODNESS." Wendell & Marcia G.

  • "This is a great financial program to maximize your full potential. I have learned a lot about how interest can accumulate, and how it pays to use this great program to accelerate your mortgage down, and fast! It keeps us disciplined, and accountable, to realize our financial goals. I am very glad we purchased it. Thank You!" June O.

  • "The Money Merge Account program has been a great tool to facilitate the managing of our finances. It has been so helpful and motivational to see the target date of when we will be debt free." Don & Carol H.

  • "We believe this is an answer to prayer for us in getting out of debt. I'm sure we will learn quickly how to use it." Bill & Diana Y.

  • "I am so happy I was introduced to the Money Merge Account approach. I can see myself actually paying off my home in record time and without any undue hardship financially. It is a magnificent concept and once I plan to use in every aspect of my spending." Karen W.

  • "The Money Merge Account Program has been a wonderful tool for our family to help keep our finances organized and under control. Thank you, United First Financial!" Daniel C. & Debra S.

  • "I can't imagine life without my Money Merge Account program! Thank you AND my agent so much!" Kimberley F.

  • "We received our e-mail from client support and were up and running by first thing the next morning. The ease of use is awesome!! Simplistic training, no matter which option is chosen. The Manual is excellent and very concise, allowing me, the client, to get help at a glance. Thank you, United First Financial!" Kimberley & Joseph R.

  • "The process of setting up the Money Merge Account program was fast easy and painless. I finally found someone that I could contact for all my needs and I am very happy." Tambree & Pete M.

  • "Our family has gotten on track and budget using this program, thanks for the help!" David & Yolanda V.

  • "It is very important for us at this time in our lives to have a product that can help us get out of debt. With the knowledge that UFirst has given to us with the Money Merge Account program, why would you not want to use the product and tell others. Thanks, guys, for all that you have given to us and the hard work that has gone into the Money Merge Account program." Lawanna P.

  • "The program provides a huge advantage to small business owners. It helps with tracking all budgeted items and can provide a tax savings." Carla M.

  • "So far the program is great! I see the end in sight and the view is good." Stanley & LeAnn J.

  • "This is, without a doubt, the best thing that has happened financially since we were married." Lynn Z.

  • "The program is great and we are excited to be on an accelerated path to becoming debt free!" Tod & Jessica M.

  • "Thanks for helping me to be a real home owner. God Bless you." Luz M.

  • "I am on version 3. I was a little lazy in getting started with it, being somewhat resistant to budgeting, but I had my coaching session today and am now quite motivated to see progress on getting out of debt completely. I can't wait to tell people of my experience with the credit card option. I think this is the best thing to come along in years and can't imagine people not utilizing it to become debt free. Thanks for being there." Maria C.

  • "The program is very helpful toward obtaining our intended goal of paying off our mortgage as well as managing and staying on budget. There is a great sense of accountability when you actually see your finances on the computer screen." Richard & Kathleen C.

  • "The coaching really helps me to understand how to use it." Jay & Faye H.

  • "I am amazed at how simple it is to operate the program, once I had help from Jason. His professionalism and patience was refreshing. I have maintained a budget over the years, but with this program you actually see what a difference it will make immediately. I am more compelled to watch my spending. Thank you." Marie T.

  • "The training materials allowed me to begin using the Financial Dashboard confidently within an hour of activation. I found the information to be very detailed and easy to understand." Paul P.

  • "The coaching was excellent. Two-way communication was great. Thank you for your time and assistance." William & Venita R.

  • "I am completely overwhelmed with the power of this system. My coach, Mike B., was extremely patient, thorough and knowledgeable when going over my personal plan with me. I am very motivated, not only for my husband and myself as far as our future savings, but also in how I might be able to convince others that they need this product too! Thank you!" Michael & Teresa S.

  • "The training videos are very easy to follow, just the right amount of content to get started with reasonable confidence." David & Ellie S.

  • "The Money Merge Account desktop is easy to understand and to modify items in the monthly expenses and income amounts." Frank & Barbara Q.

  • "The Money Merge Account system, with the personal live coaching, is AMAZING! Even though I come from the financial world, I have never felt so excited and empowered about taking control of my finances and financial future. Just by watching the training video and attending my first live coaching session, it took me less than an hour to enter in my updated income, expense and account info. I already feel so much more focus, hope, and discipline towards managing my money. Thank You, UFirst!" Michele H.

  • "The training was great! It feels like the agents and coaches really want me to succeed. Regardless of how stupid my questions were, they were very patient and took time to explain things to me. I am new to the program but I feel more confidence now that I have had my first coaching session. Thanks, United First Financial." Sharla B.

  • "The Money Merge Account program gives me flexibility with the use of funds available with the funds remaining earning as much as possible." Keith & Bertha H.

  • "Very happy to be on board. The price you charge is very good, compared to the great benefits. Thank you." Randolph and Divya R.

  • "The training was very professional but simple and easy to follow. I appreciated the three steps, progressing from a basic overview to more in-depth detail. Also, I liked the fact I could watch a well-illustrated video rather just read about it." Ron & Linda G.

  • "The Money Merge Account program seems to be an excellent tool in achieving our DEBT FREE goal." Jeff & Tara W.

  • "I actually used the Quick Start training when I began my Money Merge Account program. I did not find that to be helpful enough to make me feel secure in working with the program. I then did my training over the phone with Christian M., and I found that to be a much better method of feeling comfortable in using my account. I would strongly recommend the one-on-one coaching for anyone setting up an account. I am looking forward to dropping my mortgage off in 3.5 years rather than 11.4! Thank you so much for a wonderful program. I look forward to being able to share this wonderful service with clients in my office." Robert & Sally N.

  • "The video's were the best. I used the video & slides along with a quick look at the manual for confirmation and I was confident in getting started." Brandon & Shannon D.

  • "The new version has some great features. I like the true cost feature and also the over/under budget report." William E. F.

  • "I find that the Money Merge Account program motivates me to manage my money better than I have done in the past. Compared to the interest paid on a conventional mortgage over thirty years, I think this program is going to be worth it. I can't wait to see what happens with the Money Merge Account program when we pay both cars off this year!"Rod & Sherri R.

  • "This is a good product that can provide a great benefit for accelerating your mortgage. Customer service has been great. The software works and it is a valuable tool." Steven R.

  • "I LOVE it and will be recommending it to others in my circle and beyond!" Gary & Sandra H.

  • "This program is a Godsend. We have never been excited about paying our bills. With the Money Merge Account program we can't wait to pay our bills. This is so exciting. We can actually see the light at the end of the tunnel. Thank you so much for developing such an awesome tool." Raymond & Crystal P.

  • "This is a great tool to help achieve our financial freedom. We look forward to seeing excellent results on this investment and helping our family and friends to employ this success also." Arthur S.

  • "The Product is superb! The program is easy to use and the support staff is professional & helpful." Ayla W.

  • "You all, as a company, have brought hope and faith into my life so I can see where I am in my future to become debt free. I am able to see the light at the end of the tunnel, where before I had no clue. Thank You." Thomas D.

  • "This is my first time using the Money Merge Account program. Through the on line training, I understood the purpose of the Money Merge Account program. I believe the program will help me reducing the time that I'll pay off my first mortgage." Tuan & Thanh-Mai T.

  • "The trainer was excellent. We feel a bit overwhelmed, but are anxious to get started. Thank you." Terry & Cynthia M.

  • "Every time I have ever called for help or support services I was received pleasantly as well as promptly. Everyone has been very understanding and very, very nice. No one has ever made me feel like my questions were not worthy of their time. Your client support staff are extremely friendly and are very helpful. It is very refreshing to have a polite voice on the other end of the phone!! I answer phones all day long and I understand how extremely frustrating it can get, and never have I received anything but positive attitudes and great service. Thank you all for the great help and advice we get from you each and every time my husband or I call. That's why I keep calling, because of the great and pleasant help!!" Carrie & William F.

  • "This looks like a very good program. The person who coached me on the program seemed very knowledgeable about the program. It seems to be a very user-friendly program." Glenn & Regina C.

  • "This is a great program to pay off your mortgage a lot sooner than expected!" Homer & Adriana M.

  • "I actually loved my whole experience with the Money Merge Account program. My agents, Dan and Michelle, with their patience and always, always answering any and all of my questions. My coaches were also very patient and would go over and over 'til I grasped it, always very kind. I really never felt frustrated with learning the program because of how they made me feel, that there was no huge urgency to learn it all at once. I would call back with different questions and they always went through items with me over and over till I knew I had gotten it. I always enjoyed '""truing up'"" my account each month. They walked me through it 2 months in a row, then I called them with a little question on the third month. I really love the program, because it keeps me on total track to being debt free on one of our rental properties. I can't wait to have this one paid off, then I will roll over my home to this program. What I love about the Money Merge Account program is you get 'real answers'."Judy F.

  • "This was our first opportunity to personally manage our funds. We are looking forward to fully utilizing this program and would recommend it to our friends." Robert & Nedra S.

  • "This is great, I'm looking forward to becoming mortgage free with the Money Merge Account program." Dwayne & Patricia B.

  • "Today, I had my second coaching conversation with Nathaniel T. I was very impressed by his knowledge of the software and his profound ability to convey it to me. I had a basic understanding of how the system worked before talking with him but afterwards things started to click and make a lot more sense. I appreciate all of his time and willingness to serve. On a side note, I am self employed and operate a retail location which I have about 10 employees. I always appreciate when a customer provides me honest feedback. With that said, I would rate Nathaniel's expertise as a novice of the software and it would be an honor for me to find employees of his quality. Please pass along to him how much I appreciate his excellence at work and his attention to my needs." Kevin C."

  • "This Webinar was a great tool to get started. After utilizing this tool I was able to understand more clearly all the buttons on the program. I discovered that the program was more easily done with just 30 minutes of professional and knowledgeable help." John & Sarah W.

  • "This is a wonderful opportunity. I only wish that more people would be receptive." Tiffany D.

  • "I've been in the mortgage and financial business for a number of years and this program absolutely blew me away. The customer training I received was awesome. She was professional, knowledgeable, and personable." Tom K.

  • "We are just getting started but the software has really shown how much it can make a difference!" Leanne & Chris C.

  • "This is definitely a life changing program! Thank You So Much!" Ron & Tifnie E.

  • "The overall program is great and has helped us reduce our mortgage pay off to 6 1/2 years from 28. --Thanks." Garry A.

  • "We are very impressed with the excellent professional service we have received so far in setting up our program. We can't wait to see the years evaporate from our mortgage balance!" Dianna L. & W.

  • "This program is a good thing and I will be sharing this with my family members and friends. Thanks You." Alfonso V.

  • "After it was explained to us, this program made so much sense we just couldn't say no! I can't imagine why anybody who has a mortgage, or any other debt, would pass it up." Josh C.

  • "We feel more at ease after seeing a Webinar. We are very excited to use the Money Merge Account program to reach our financial goals. Thank you." Brandon & Shannon D.

  • "This program along with the courteous and patient trainer with UFirst was exactly like the name implies: you first. Thank you." Howard & Annie E.

  • "After reading all the blogs for and against Money Merge Account program, I decided to go for it and I am glad I did. This is not only a tool to help me pay off my mortgage early, it is also a great budget tool. Thanks for all the help." Eleu & Nina P.

  • "We have been looking forward to getting started with the Money Merge Account program. Having completed the tutorial, we feel we're ready to dive in, but it's great to know the help-line is there just in case! We will look forward to seeing our debt reduce quickly while being mindful of unnecessary and/or impulse spending! Thank you." Stacey & Joe C.

  • "This program will help us achieve our goal towards retirement." Luther & Bettye D.

  • "For over 40 years my wife and I have maintained two separate checking accounts, and in essence she had her bills and I had mine. We shared some of the large bills such as our home mortgage. When we had been on the Money Merge Account software for a few months, we realized that we no longer had his and her bills and obligations. We stopped at a service station to gas up the car. When I got back inside the car, she said, 'I""sn't it great we no longer have to asked whose time is it to gas up the car"?' It doesn't matter whose time to pay. We are working to pay off our home mortgage in about 4.5 years. Then we will have more money to spend on our 4 grandkids. take more vacations, etc., support more missionaries from the church." AJ & Martha W.

  • "We have been thinking about doing this for some time. And now we are doing it. We just made our first '""execute.'" The trainer was excellent --- very , very helpful." Mike & Melody S.

  • "We are nearing retirement and this program has given us the plan to accomplish our goals." Dennis & Edna D.

  • "To the UFirst representative, Mike Bunker, who walked me through the software, I can only say WOW! My 25-year mortgage will be paid off in about 6 years! Now that's going to create financial freedom. The software is straight forward and easy to use, and the staff is extremely knowledgeable and helpful. Thanks, UFirst, for helping me achieve my financial goals!" Sam P.

  • "We have only started the program, so it is really too early to decide, but if what is said is true this program will be a Godsend!!" Kevin & Laurie L.

  • "We love the Money Merge Account program. We LOVE the program so thank you!" Curtis & Brittany W.

  • "Very easy to follow program and the initial setup was very easy. Called the customer support line for some questions we had that were more detailed to our financial situation, and she was a lot of help as well. We are really excited to use this program and looking at getting our loan paid off in approximately 8 years compared to 26 years. Thanks!" Larry & Majella S.

  • "WE THINK THIS PROGRAM WILL BE GREAT FOR OUR FINANCIAL FUTURE. I RECOMMEND THE PROGRAM TO ANYONE LOOKING TO GET AHEAD IN LIFE." Stephen & Shelia F.

  • "The program appears to be very nice and user friendly like they said." Tom & Deb S.

  • "Having just finished the training I am excited to spend some time '""playing""' with the program to better understand the power of the program. Mike did a great job of helping me to get up to speed on how to operate the Money Merge Account program and sharing with me some exciting options that the program can do. I would have to say that I have been raised with the idea that if something seems to be too good to be true it probably is; my experience with the UFirst team and program has thus far shown me that this is the product that may seem too good to be true but REALLY is true!" John C. & Karen K.

  • "We're excited to be building equity in our house, especially since we're trying to sell it in a very slow market. We'll be much more able to negotiate when we do sell. It is so much less painful to be carrying two mortgages! Thank you, UFirst!" Nan & William S.

  • "We're looking forward to paying down our mortgage and building wealth in our home!" Michael & Lisa C.

  • "Having spent 12 years in banking, I am pleased to have this product available to me. At 50+, I hope to have my home paid off in short time. Although the techniques used are not complicated, it is a whole different mindset than most consumers are used to. My Webinar with Paris was excellent. I do appreciate various phone calls and offers of assistance." Carolyn G.

  • "We've been on it since September of last year. We are very pleased with the results. Thanks." Ken & Lori N.

  • "Adam did an excellent job taking me through the program!" Christopher & Sheelah K.

  • "I am 67 years young with limited computer skills and am confident that I can navigate this program with ease. Its truly remarkable and gives me a goal that I will pay this house off while I'm still in the house." Jack & Corrine A.

  • "You all have done all that you said that you would do, and we are very grateful for that. We really appreciate Eddie taking his time to help us fully understand how to operate our new Money Merge Account program. God bless you." Thomas & Marjorie L.

  • "Adam is awesome!! He was so patient with me, helping me reconcile my account and getting me back on line. Give him a raise :)." Kathy A.

  • "I am a big fan of United First Financial and of their product. We are on a very modest income. We have been able to entirely pay for the product and have started working on existing debt in about 3 months time. It's great for us to have any '""extra""' money we have come in '""sucked""' up into the HELOC, because then we don't spend it. It truly has helped us to better track our expenses and to take a closer look at our personal spending habits. In large, I am very happy with our decision to go with UFirst. Thank you!" David & Heather W.

  • "Your support staff has been very helpful and patient, which is very much appreciated. Learning a new program can be somewhat intimidating, but your staff has always been there to answer any question. Thanks!" Marsha A.

  • "Adam was very helpful and patient. I will definitely try to speak to him again if I have any problems. Thanks!!" R. Terry & Mary Jane E.

  • "I know for a fact we have gotten even better since I activated my personal software. The Power Point slides showing how to use the LOC along with a personal checking account, as well as a credit card if applicable, really is a good tool. I think it is critical that customers get their hands on the software quickly, and learn how to navigate through their numbers and particular situation so they do not get discouraged and set it aside. We just have to keep remembering that it is a little intimidating to a new customer even though we have all been through different scenarios many times. The home office seems to be run at a high level of concern for the customer, so thank you!" Jeffrey D.

  • "All of the staff of the Money Merge Account program have been top-notch. The professionalism of your staff is wonderful. Thanks for the program." Steve G.

  • "After a year, we are finally setting this up and Robert was a great help." Lawrence & Diane S.

  • "I am excited about paying off my new 30-year mortgage in just over 13 years!" Robert & Darcy D.

  • "Andrew was very thorough in guiding us through the program on the internet. He was patient with us and gave us ample time to ask questions. He made sure we were '""on the same page""' and was very polite. We thought he was awesome, and I am glad we worked with him. Thank you very much." Preston & Mary D.

  • "My trainer was courteous, prompt and very patient." Melissa B.

  • "I am excited to be participating in the Money Merge Account program and looking forward to paying off my home 15 years early." Russ & Suzanne F.

  • "Dealing with Sandra was fantastic. She excitedly walked me through the steps of using the power of the Money Merge Account program, and I can not wait to start executing payments so that I can become mortgage free. Sandra's enthusiasm and excitement combined with her passion for UFirst will undoubtedly relay to her clients. Thank you, Sandra, for your professionalism." Marty & Michelle R.

  • "My trainer was very knowledgeable and thorough." Stephen K.

  • "I am very excited that I will be able to pay off my home in under ten years. This program is useful to everyone." Dennis K.

  • "I have called several times with questions about my Money Merge Account program and have always received courteous and professional treatment. Your reps are very knowledgeable, patient and great to work with. Thank you so much!" Steven & Sondra K.

  • "Alex S. was very helpful and patient during the training session." Ray & Jacqueline N.

  • "I believe the Money Merge Account program is a great tool to help people visualize their personal position in regard to their financial plans. It is easy, and very user friendly. I feel very fortunate to have found so a great tool!" Gladys R.

  • "I finally got Mike B., who has helped me the most of all your agents. Thank you, Mike!! I HAVE MY ACCOUNT UNDER CONTROL." Marie D.

  • "Alex was very patient with me, I'm not very computer literate. She did a very good job of explaining the program to me and showing me how it works. I'm confident that she and your staff will be able to get me accustomed to it in a short time. THANK YOU, THANK YOU, THANK YOU!!!!" Valentine A. Z.

  • "I cannot believe what an easy concept this is and how this program makes it work for such a great future for me and my family. It's difficult to imagine '""all my money goes to ALOC""' but then when you realize '""all your bills come from the ALOC""' it's more satisfying. It's just hard to let go of all your income. But seeing the amount of time to payoff really encourages you to do as the program is designed and hopefully my house will be paid off within the next 8-9 years! THANK YOU UNITED FIRST FINANCIAL!!!! Great Program!" Marie E. V. G.

  • "I needed some extra assistance because I fixed a part of my HELOC. Carlos M. called me back and got me started quickly and efficiently. He explained what I needed to know with excellent skill explaining in a knowledgeable fashion. I'm now on my way. I think the Money Merge Account program is a wonderful tool and I have high hopes for its future. Thank you." Beverly & Larry R.

  • "All my questions were answered thoroughly by Adam. He was quick to redirect my questions if I was getting ahead of myself. His presentation answered the questions by itself and I only had to wait for him to get there." James & Linda T.

  • "I did not take advantage of the available help like I should have and made costly mistakes in the beginning. Since calling the support line I have gained a greater understanding of how the program and software works and am watching my available balance grow from month to month, which is exciting! I no longer feel as though I am living paycheck to paycheck since I do not have to juggle money to make sure my mortgage, etc., is covered." Mike & Diane B.

  • "I really appreciate the patience that this morning's trainer took with me personally to help me become more comfortable with the software and the workings of the Money Merge Account program. Aaron answered every question very detailed to be sure I really understood what each category involved and how I should go about executing all my transactions. I will continue to study my trainee manual until I reach a real comfort level in my new business." Cora P.

  • "The training was very good. I'm very pleased so far." Anne L.

  • "I feel the program is exceptional. I love the program, and even though I only had 5 years left on my mortgage, I will pay off the mortgage and $35,000 of other debt in less than 3 years. Thanks for your dedication to helping people get out of debt!!" Bonnie B. & Stephen P.

  • "I truly thank Adam for the excellent coaching and the help he offered to make this great program understandable. I also know that if I have any questions or issues of confusion on my behalf, Adam and the group will be there to give me a hand. I and my husband look forward to accomplishing our pay off dates. Again, thanks to these people and their wonderful program" .C Selene & Dan R.

  • "Andrew assisted me in the set up quite well. I had gone through your Webinar and felt prepared to receive the excellent personal training he offered. The call was right on time, he got right down to business, & did not stray from the task at hand and therefore completed in a timely manner" Thanks."Roger & Roberta M.

  • "I find the Money Merge Account program is very helpful in achieving my financial goal in saving some money and paying off my mortgage in half the time. I highly recommend my friends to do the Money Merge Account program." Leesha K.

  • "I spoke with Mike B. and he was extremely helpful. He was very enthusiastic and friendly, and I feel comfortable in knowing that I can call him at any time in the future. We are very excited about starting the Money Merge Account program and saving lots of money!" Gerald & Andrea M.

  • "Andrew was great! He was very knowledgeable, patient and thorough." Wes I.

  • "I found that the Money Merge Account program should be a good program to save my mortgage and will be a tool to save other as well." John & Amy L.

  • "I want to thank Katie and Rachael for helping me. They were helpful and very friendly. Rachael scheduled me with Patrick. I have to say that when I saw these forms online I was overwhelmed. Patrick put me at ease with this program, explained it thoroughly and made it easy for me to understand. I really liked that I was not rushed at all and he made sure I understood what he was telling me. What really impressed me was when he showed me how much we are saving in interest with this program. Not only was he an excellent coach, he was very friendly. And when it comes time for me to reconcile checking and the line of credit, he said he will go over it with me. Thanks to him, I feel really comfortable with this program! Thank you!" Bill & Mary Kay B.

  • "Ann helped me to reconcile my HELOC statements for three months. She was very helpful and patient. She has been one of the best coaches I've worked with." Donald & Beth J.

  • "I had the good fortune to have Mike B. answer the phone when I called for help and he was simply fantastic!! The call was at a good time and he was able to give me a coaching session. Things are so much clearer now. He helped me with my problem, showed me how to transfer over $11,000 on my mortgage payment and other little things that I didn't know. In my book he's the greatest!! Thanks again, Mike B.!! " Wade P. & Delores J. H.

  • "I was very nervous on getting started with the software program. This whole experience from first learning about the Money Merge Account program a few months ago to this training today has really made me excited to get started and I am constantly finding ways to save! After going thru this training with Jonathan, I know I can do it!!! Thank you, Jonathan!" Joan M.

  • "Ann helped walk me through my account. While I struggled with my computer illiteracy, she was so patient and kind. I really appreciate how understanding she was." Aaron & Vanae T.

  • "I have already paid off my home mortgage. I am now using your program on a commercial building and have paid it down 1/3 of the original amount. This is the second time I have used your services." Dwight & Pat W.

  • "My trainer JOE was awesome. He answered all my questions, plus he said thank you for everything. That made me feel really good due to the fact that I deal with the public all day and from my experience a THANK YOU goes a long way!!!!!!! Thank You, United First Financial." Roger L.

  • "Ann was a great help with the Money Merge Account program. She answered my questions accurately and thoroughly, as well as showing me the differences in using my escrow to benefit the Money Merge Account process. Thank you." Gary & Darla O.

  • "I have been extremely pleased with the Money Merge Account program and United First Financial. The personal customer service has been excellent. I wish that everyone who ran a business would be as customer friendly as United First Financial. I cannot say enough about this company and the representatives who work for this company. Everyone associated with UFirst represent the company in a very friendly, knowledgeable and professional manner. Thank you for your great work!" Louanna & Kevin H.

  • "My coach Kayla was highly professional and courteous with me. This session has taught me all that I need to know to set up and operate my program and enough to share with my neighbors and friends how they can get involved and save. I am completely intrigued, and very, very excited about what I have learned today." Rose & Osmond L.

  • "My trainer helped tremendously. I feel much relieved after my 1st coaching session. Thank You So Much." Catherine & Barry S.

  • "I have been in the Real Estate industry for twenty plus years and have always coached buyers to try and pay extra principal payments. The Money Merge Account program is the best thing I have ever seen that will help you use your money in the most efficient way to cancel interest and get your home paid in a quicker time and save thousands in interest. Money Merge Account program reduced the time on our mortgage from 14 years to 4.6 and that includes paying off a car loan." Clyde & Alice P.

  • "Mike B. helped me bring my UFirst account up to date. He gave me helpful suggestions to maximize the time it will take to pay off my home mortgage." H. N. & F. L.

  • "Austin did a great job coaching and helping me understand the Money Merge Account program." Joseph & Lisa P.

  • "I have been trying to convince my husband for years to start paying down our mortgage and the Money Merge Account program sold him. It was a WIN-WIN situation for both of us!" Dan & Lisa B.

  • "Mike T. was able to calm me down and made notes about my complaints. He then scheduled me for an additional training session with him personally. He called on time for our appointment and again apologized for my prior experience. He was successful in answering all of our questions and explaining to us how to initiate and execute our transactions. I felt comfortable after we spoke with him and we were able to jump right into the program and start to take control. I am happy that we had another chance with Mike to learn how the program works. Mike has been trained well and he was pleasant to speak with. He was very thorough and helpful with all our questions. He did not read from a script and he was not distracted or unattentive to our needs. He was a good communicator and effective listener during our call. Thank you." Kelly & Brian W.

  • "Austin did a great job!" Val S. & Wendell F.

  • "I have been using the Money Merge Account program for almost 4 months and have been very pleased with the software, the service and the results. I have called customer service with questions several times and each time my question was carefully answered. I love watching the number of years go down on the screen as I spend a little less or earn a little more each month. I have even used some money that I was afraid to spend to purchase carpet and a new furnace for our home. With the Money Merge Account software I was able to see that I could still make these purchases and pay off my home in under 13 years as opposed to 26!" Sarah & Michael F.

  • "We had a coaching session with Jake M. He was very personable, as well as very adept at guiding us through the process. We had made several errors along the way during the time we had been using the program, and Jake did a fantastic job of getting us back on track. We feel that for us, Jake has been the most helpful in explaining the program and addressing our questions. He made sure we had his direct email for future communications. This coaching session was great, and we look forward to contacting Jake for any problems or questions we may have. Thank you!!" Keely & Steve E.

  • "Bernard was excellent! Thank you for assisting me in leveraging my Money Merge Account program. You are fabulous!" Marla A.

  • "I have been using the program for 11 months now and have reduced my principal on my home $17 K from the time I purchased my home in April of 2007. I was skeptical at first, but now have a greater understanding of the concept since I have been using it. I recommend this program to all of my friends. Thank you." Byron & Stephanie R.

  • "On (Thursday), 07/10/2008, I received my first reconciling coaching from Patrick. This was the best training session I have had so far. Patrick was very, very calm, assuring, confident and knowledgeable about the Money Merge Account process. He explained everything very carefully so that I understood. He answered all questions and assured me that the company was there to help me whenever I need assistance. I feel very confident about this program and reconciling my account for the next time. Believe me, Patrick is a great teacher!" Bennie H.

  • "Bernard was patient and a gentleman to work with. We look forward to working with him once we receive our first statement to clearly understand your program. Thank you." Paul & Carrie W.

  • "I have had the Money Merge Account program from last year and was skeptical of the program but I am here to say it really works. The principal keeps falling. Today I did a reconcile with Jason N., and he took the extra time to explain and guide me along the way with the process He was very patient through this. Thanks once again." Williams E. G.

  • "Our trainer was George A. He was the most polite man I have ever worked with. Even when I made a mistake, George politely referred to '""my""' mistake as '""us""ours.' George was very knowledgeable and patient with us. UFirst should do everything it can to keep this employee!!! He makes you look good. The coaching personal session relieves anxiety of not knowing if we can do it. I will also refer my friends to your program after receiving all this help! Thanks again." Steve A.

  • "Both Carlos and Mason were very knowledgeable and helpful in their explanation of this program. I understood everything they explained. Thank you, Carlos and Mason!" June R.

  • "I love my Money Merge Account program. It allows me to use the same financial principles that the very wealthy use, leveraging funds from one account to reduce interest charges on another, which is helping me build my financial foundation for the future. Thank you!" Gurumeet Kaur K.

  • "However, the TOP SHELF assistance given by Team Leader Michael, including his patience, thoroughness, and attentiveness to the particular differences in my account, turned this into a VERY positive experience. I feel confident I now CAN navigate the software independently and look forward to the benefits this program can make in my financial situation. Thanks for being there when I really needed your help." Diane S. G.

  • "Both Customer Service representatives that we talked to (Kaylee and Alex) were very helpful. Thank you!" Matt & Jennifer A.

  • "I love the Money Merge Account program. Mike B. was my training coach. He did an excellent job of explaining everything to me. I have a 30-year mortgage, but with the Money Merge Account program I should have my mortgage paid off in under 11 years. That is AWESOME!!!" Melvin & Lisa R.

  • "The online person I talked with was quite helpful. He answered my questions and the guiding me through the screens. He was super. I like the hands-on practice. I teach online courses and have had experience with support staff and he was superb compared to some technical staff I have worked with. He did not get impatient and answered all my questions, even though some of them were really concrete and probably obvious. It was important to me he did not convey that my lack of understanding was my problem and I was being""'slow""' or stupid. I could understand him, unlike some support technical staff I have worked with who barely speak English. I felt he was genuine in offering continued support to me and I will avail myself of his consultation and have, in fact, emailed him for an appointment when I input my first month's bills." Deborah F.

  • "Carina did a great job explaining the software functions." Abraham & Erma T.

  • "I love the Money Merge Account program. When we first did the analysis, our 25-year mortgage was to be paid off in 6.1 years. After receiving the software and playing around with my numbers, we are now scheduled to payoff our 25-year mortgage in 4.75 years. The program has also taught me to spend money I need, but not to waste money on things I don't really need. I wish I would have started using the Money Merge Account program years ago. If you have a mortgage, the Money Merge Account program is a must-have item." Donna & Rick M.

  • "I was very satisfied with Patrick Johnson, who walked me through my coaching session where he answered all my questions and steered me in the right direction. I was able to ask questions on for example how I would do this and that, in which he made it really clear to me what the software was able to do. The coaching session went great. He was very helpful and patient with me and I look forward to his help again when I need it. He gave me his email to get in touch with him. Thank you, UFirst and I look forward to working with you all for the time ahead." Joel F.

  • "Carlos was very thorough and took his time in explaining the Money Merge Account program where I could understand it. He also offered for me to Email him ANY time I need help, and he will call or email me same day or if too late the next morning. He is what keeps me using the Money Merge Account program. He is a very valuable part of your company." Bob & Cheryl A. H.

  • "I purchased the Money Merge Account program about 3 months ago from my friend Dennis who shared some information with me about UFirst and the Money Merge Account program. At first it was too unreal to believe and was very difficult to explain and convince my wife of the benefits of the program. It was very exciting to see how it would help me and my family attain great independence from our mortgage. We did purchase the program but became consumed with other life issues and I did not use the program. Well, I called UFirst for an appointment. My coach (Jessica) was great and rekindled the truth and excitement of what the program will help me attain. She was great and was able to show me how to use the program and said I can call anytime for support. I am now back in the game and challenged to follow the program and bring my 20-year-plus mortgage down to 9 years. Thank You, UFirst for helping me attain the reality of paying off my mortgage in half the time." Ron & Charlene V.

  • "Whenever I had a question we stopped the process and the trainer addressed it. He really wanted me to know how the Money Merge Account software works. Even with multiple interruptions, at the end, he still asked if I had any other questions." Phillis V.

  • "Christian did a wonderful job at explaining and showing examples of how to use the Money Merge Account program. He was very patient and informative. We look forward to working with him in the future." Rebecca & Joel B.

  • "I see this program as a way to insure my ability to retire in the time frame that we have planned. Having no debt in 5.7 years is beyond anything I expected. Freeing $1800 per month at retirement is '""priceless"".'" John & Lynda S.

  • "Your firm is very fortunate to have Mike B. on staff. I am never disappointed when I call for assistance. He spends the time required to answer my questions thoroughly. I never feel rushed. I am fortunate to be able to talk to Mike whenever the need arises. He never disappoints me. Thank you, Mike." Alice M.

  • "Coach Robert D. was very clear and patient with me." George & Cristina B.

  • "I think the Money Merge Account program is a brilliantly designed product! I'm very excited to use it the rest of my life! I am not hesitant to share these results with other people I know. The software is extremely easy to use and the online information available for study is excellent. Thanks!" Jeff B.

  • "My husband and I are pleased that our mortgage will be paid soon. We just started." Robert & Debra R.

  • "Coach was very helpful and patient. He offered future support as I learned to use the program. I appreciated his clarity and patience." Catherine M.

  • "I think this program is the best thing I have ever seen. I didn't think it would work for me and I will pay off my 27.5 year mortgage in 16.5. Thank You." Diane T.

  • "I am excited about the potential of this program and am excited to get proficient at using it. Everyone I have met involved has been excited to offer this product in order to make some sense out of our financial future and make our stress levels diminish. Thank you very much." Jenny E.

  • "Coaching was excellent." Lawrence & Sybill C.

  • "I think this program is wonderful. It will pay off my mortgage in less than a third of the time, from 30 years to 9.75 years. What more can I say?" Tony W.

  • "I am truly excited about using the software. I can't wait to enjoy the benefits of having it. I am truly looking forward to debt FREEDOM!!!" Yemi & Toki K.

  • "Daryl C. has been very helpful in getting me connected up to this point." Brian P.

  • "I love this software and can't wait until my house is paid off. I am so looking forward to using this software for the rest of my life. I will never bank the same way again." Dana & Rebecca K.

  • "I have had EXCELLENT help every time I have called Client Support. Highly recommend this product to others." Lynn S.

  • "Eddy L. did an outstanding job. He had the knowledge and patience to communicate effectively all instructions. I feel very good at his disposition to continue coaching me during this learning process. He has great people skills." Remigio & Awilda A.

  • "I went from never to less than sixteen years to pay off my home because of this program." Marvin & Petra F.

  • "This is an excellent program and I would not give it up even if I could. Thanks for the Money Merge Account program." K J.

  • "Eddy was great, and we are very excited about getting started." Steve & Jan S.

  • "8.667 years left on my mortgage based on my current average pay scale. I'm very satisfied with this product. The best in its class." Oden & Janelle H.

  • "Very good program, can't wait to watch it work for us. Plan on being debt free until my children go to college. Thanks for all your wonderful help." Michael & Jennifer K.

  • "Estafan was very patient with us and explained everything in great detail to help us get started. He answered all our questions and helped us better understand our options. We appreciated all his help and guidance. All in all, it seems like a great program to keep us on track. Thank you." Lia W.

  • "I'M VERY EXCITED ABOUT THE PROSPECT OF BECOMING DEBT FREE. I FEEL LIKE WE WILL GET TO RETIRE SOMETIME." A.B. & Debbie S.

  • "Estevan was really helpful." Kevin B.

  • "Initially, I was thrilled to see the saving potential of Money Merge Account program as the UFirst agent ran my analysis. One year later, I am even more so because in just 12 months, I chopped away $14,465.57 from my $242,600.00 mortgage. I have the reason to be thrilled!" James & Rebecca L.

  • "My goodness!!! Nathan and Thomas D. were so patient and so accommodating today. Nathan allowed me to fax the paperwork directly to him and he took it to the activation staff and they had me up and running within 30 minutes. As well, Nathan and Thomas spent over an hour on the phone with me helping me understand how to best utilize the Money Merge Account program. They were so kind, professional and very knowledgeable. I accomplished what I needed on my day off thanks to them!!!! THANK YOU, THANK YOU, THANK YOU!!" Angie D.

  • "Good coaching session with Ruben H. He was easily able to answer our questions and provide the support I expect from UFirst." Lawrence G. & Bruce B.

  • "It has helped me to get the mortgage payments to finish much sooner than doing it on my own. I can now pay off the 30-year mortgage in about 8 years. I also got an insight how the banks make so much money because of our ignorance. I wish I knew about this 5 years earlier. Thanks." Arun & Kanak L.

  • "Jose handled my questions and concerns in a very professionally manner. He listened and provided answers in a clear way that I could understand. He is knowledgeable and has outstanding phone manners. Most places I call cannot provide customer service at the level provided by Jose. He is an asset to you organization." Bill H.

  • "Great job Kayla." James & Suzanne G.

  • "I've just begun using our new Money Merge Account program, but I'm really excited about the prospect of paying off our mortgage AND our debt in a number of years that I never could have imagined. ESPECIALLY, without paying out extra money each month! It's an amazing concept and I'm thrilled to have the opportunity to use this software." Brett & Melinda B.

  • "Joe was unbelievably helpful today. He took the time to answer my questions. Frequently, we would bounce onto another issue as it came up, however, Joe always managed to get back to the original topic. I cannot express how patient, flexible and relaxed Joe was throughout. He made me feel like I was the most important call he had the PLEASURE of working on. Thanks, Joe, and thanks, UFirst, for once again exceeding my expectations!" E. R.

  • "Great presentation. Very precise and clear." Charlotte S.

  • "The Money Merge Account program opened up a whole new way for us to pay off our bills. It has made it possible for us to have a lot more in discretionary income and still pay our debt off in half the time. It has brought much peace of mind for us. Thank you!" Darrel & Jan R.

  • "Krystal was very helpful, answered all of my questions even though a few were out of her job description and area of expertise. She took additional time to check internally to answer each and every question I had and was not in any doggone rush to push me to another functional area. All of my experiences in dealing with Corporate have exceeded my expectations. Thank You, All!" Jon E.

  • "Great product and a wonderful teaching/coaching session with Mike Bunker!!!!! Thank you!!" Curtis & Patricia S.

  • "Great program. So impressive that I became an associate. I am now able to help others who are like me; near retirement with a 26-year mortgage payment. Thanks to this program we will be debt free in 9 years or sooner. Thanks, UFirst." Joe & Shirrell M.

  • "Nancy was extremely helpful, knowledgeable, very patient and took the time to be sure all my questions were answered without any concern for the time in which it took. I thought I had a good understanding and just a few quick questions. Little did I know, without Nancy’s unique discovery process and her selective questioning and based on my responses she was able to ascertain the areas I was most deficient in (which, BTW there were many). 2 Thumbs Up 2 Nancy - Most Sincerely and Appreciated." Jon E.

  • "Great trainer, he was very patient and courteous. Thank you!" Jeanette H.

  • "The Money Merge Account program has organized all my financial plans so I can actually see where my money is distributed. It has been a great benefit to me and my family." Debbie G. & John G.

  • "I would like to commend this representative. My line of credit was frozen and I needed to switch over to run the program from my checking/savings and had a difficult time determining how to handle the interest rate (variable) as it is paid from my checking account. This representative spent 50 minutes with me helping me to understand how to do this and make sure that my program was set correctly. She was so understanding and knowledgeable. This representative is a wonderful asset to your company! My compliments to her!" Julie F.

  • "Had a very polite and patient trainer. Thank you." Brandon & Monique B.

  • "Knowing that I am spending every dollar I earn in the smartest way possible for my personal financial goals is so liberating. I now have the financial tools, dashboard and visibility into my financial future that puts me in front of my money. Thanks, UFirst." Dennis K.

  • "Carrie did an excellent job! She gave me everything she had. My situation seemed more complicated than most (using several checking accounts, etc.) and she was not only helpful but very knowledgeable. She scheduled a follow up call with me next week to see how I am doing and to teach me a few more attributes about the software. She represents your company with excellence!" Kevin C.

  • "MY TRAINER WAS PATIENT WITH ME AND I WAS NERVOUS. HE MADE ME FEEL CONFIDENT THAT I COULD LEARN. KEEP HIM!" Lois & Clifton J.

  • "The more I get involved with the program, the easier it will become. You are moving money through the ALOC and keeping it there for the maximum period before bills have to be paid. Once it's all up it will be a snap! Thank you for developing this program. There was no other way I could see to pay this house off before I die. Now I am excited to know that within 5 to 6 years all my debt will be gone. You guys are great. Thank you again." Howard & Nellie M.

  • "Keshia was professional, friendly and very patient with me and my husband. I am very excited about this software! We are actually going to pay things off quicker than the analysis said we would! Thank you UFirst!" Annie T.

  • "My trainer was pleasant." Ken & Diane T.

  • "The Money Merge Account program motivated me to set up a budget, something that software packages and workbooks haven't been able to do. It also showed me some of the basics in interest and credit that make people poor, and the wisdom that helps people create wealth. Great support. The bottom line: showing me the real results of my financial decisions." Timothy & Valerie M.

  • "Jessica is so patient with me. I'm a bit '""computer-challenged""' and need a lot of hand holding. Jessica is always positive and easy to communicate with. She walks me through all of the steps and answers all of my questions. She takes as much time with me as I need, and yet she is very professional. I love the program. It's helping me to get my mortgage paid off much more quickly than I had ever anticipated. Thank you!" Kathryn G.

  • "My trainer was very helpful and made it very easy for me to understand the software." Juan F. & Liliana R.

  • "My husband and I have been '""struggling""' with making a decision as to whether or not to invest in the Money Merge Account program. I turn 60 next month and he is just a few months short of 61. We're in what I would consider to be the low middle income bracket. We feel that overall we've been relatively conservative in our lifestyle and have put back a decent retirement account. However, in the last 11 years we've had some bad financial advice and have purchased two homes after having our first paid off early. My husband had a stroke, no risk factors, at the age of 58. We have put everything in order for us both, with the exception of paying off a new home we just moved into in December of 2004. I am extremely excited to be moving forward with the Money Merge Account program. After viewing my on-line training, I am even more excited. I see more potential in the program than I even believed true before 'buying into' it. I can't wait to get started and see our mortgage balance drop. I hope to be one of your best Ambassadors in the future!" Connie & Eugene T.

  • "We are eager to work with this program." Toni & George A.

  • "Once again I would like to thank UFIRST for the opportunity to be able to pay off a 28-year mortgage in period of 5 years. This will be a great help in preparation for great retirement." Todd B.

  • "Jared was a very professional coach. I was starting to contemplate whether I was going to request a refund before I spoke with Jared, and after having him coach me and explain the functions of the program, I was astounded! If it wasn't for Jared I might not have been a customer and even more I might not have ever paid off my house and other debt. Thank you, Jared, for saving my life and making me see the side of things I wasn't seeing before. This gentleman had a very competent voice and a very excited description which I have never felt nor seen in any other company out there. United First Financial is truly lucky to have this gentleman as part of their company. Thanks again!" Linda K.

  • "I am a very slow learner! But I am truly grateful to Hector and George for their help. They both are very calming and really explain in detail. Thank you, Thank you, Hector and George!" Joan M. Heuke H.

  • "Overall, I'm excited about this program. It is worth the price in the end, though 3,500 is a big number to swallow and takes some trust and understanding of how it works to realize how quickly it pays for itself. I know I can call back with any questions. I have high hopes, and I think it will keep me more focused on long-term goals, wasting less money, re-thinking needs vs. wants, etc. Wish I would have started this a couple years ago, actually." Diane T.

  • "Rachel is always so eager to help and professional. No questions are too hard for her. She has called me back on several occasions to make sure the problems were fixed. She is the best support person I have had the pleasure to meet. I would highly recommend her for a promotion. She is the type person I would want to represent my business." Samuel S.

  • "I am happy with the availability and help I receive every time I call." Audrey & Audrey Lynette W.

  • "Overall, I've been very pleased with the purpose and outcome of the Money Merge Account program. The original projection was a mortgage payoff in 11.8 years. I've managed to get that down to less than 4.5 years and plan to keep it that way. The Money Merge Account program has been a huge help in projecting expenses while providing incentive for total debt cancellation. I was especially impressed with the attentiveness of my trainer and his efforts to get it right. I'm enjoying the sense of empowerment and financial freedom that the Money Merge Account software allows and I'm very grateful for such a tool. Thanks a million!" Pushkara A.

  • "I feel confident that I will be able to do this with less and less time each month. At present I have info to input and this is a little more time-consuming, but once it's done it will be so easy to track my monthly expenses and best of all I will have a running balance as I pay off debt and can see how much interest I'm saving. I've very excited about this program. I've called the support system a couple of times and both agents have been so helpful and kind. Thank you." Temre M.

  • "This was the first time I had called in for help with my own program. It was very nice to experience that type of customer service. My representative was professional and friendly and able to solve my problem. Thanks, UFirst, for being just the company I thought you were." Aubrey & Susan B.

  • "The Money Merge Account program provided us a viable mechanism to pay our mortgage down in under 10 years instead of 26 years. Additionally, we were able to pay off our original HELOC, one vehicle loan, afford the costly repairs to our home, AND retain our standard of living in the process! What a powerful tool! Our prayers were answered, and we were able to continue on in a better financial position than before. What a blessing. I thank God that our UFirst agent shared this program with us." Christopher E.

  • "I really do like the new Money Merge Account program information. It will help me keep a much better tab on how much income I will be spending each month. My Rep. Rachel was very patient on explaining everything. I really enjoy working with her. Thanks again." Wanda

  • "I am very pleased with the assistance I received from Mike B. I have been playing around trying to set up my account when I encountered some questions. Mike not only answered my many questions but he also helped me tremendously in setting up my account. His explanation of how things work with the Money Merge Account program was extremely helpful. Thanks, Mike, for all your help!" Maria M.-C.

  • "Since I am looking to retire sooner rather than later, the Money Merge Account program makes that possible. The Money Merge Account program also allows me to accomplish some home improvements at the same time, which will just enhance retirement. My current situation is on the back end of my mortgage so while I am not saving a great deal of money on interest, I am saving about 4 years of payments." Howard & Sally W.

  • "Rachel S was terrific and solved my problems quickly and professionally. UFirst is a fabulous company. I love the people, the commitment, the ongoing support, the training, the materials, the web site and the concept. Hooooooray for those wonderful guys that have built this opportunity." William C

  • "I am very satisfied that I can ask for a specific person to go over my Money Merge Account program with me. Sandra is a person that is very helpful, she takes her time and explains things thoroughly. Keep her, do not let her go! She will always respond when requesting a call or sending an email." Sandra F.

  • "So far I've had the product for 5 months during which time my mortgage has been paid down $10,900.00. I think that speaks for itself. I continue to remain optimistic and am sharing my results with family and friends." Wayne & Rosemary K.

  • "I appreciate the patience and expertise of the trainer we had for the Money Merge Account program. He was very good and efficient. Thank you." Marilou & Isaiah S.

  • "Thank you for providing this service for us which will help our financial future!! We are excited at this prospect of being totally debt free in less than 9 years. This would not be possible without the help of United First Financial. Thank you!!!" Tim & Deanna P.

  • "I appreciated the patience my trainer had with me. He was professional and very helpful. Thank you!" John & Michele G.

  • "Thank you for such an amazing program! We purchased our dream homestead and were looking at a 30-year mortgage at ages 50 and 59. According to our analysis we will be mortgage free in 10.2 years with plenty of time to enjoy our home, God willing." Ralph & Patricia K.

  • "I appreciated the patience of our trainer and his simple explanations as well as answering all my questions." Roger & Jane B.

  • "The Money Merge Account program has truly helped us become more focused about where our money is going! It has provided me with more structure, and seems like a quiet motivator to help push our way out of debt! It's an amazing feeling when a few months go by, and you notice on the top right-hand side of the screen that little number dropping. Yes, the amount of years to pay off our mortgage! Seems impossible, but we are watching it happen before our eyes! I truly look forward to watching the continued results of this program. I know you don't have to change your spending to see the impact of this program, but it truly drives you to think about how you are spending money, and helps you stay focused on personal goals of getting out of debt!" Rachel & Patrick B.

  • "I found my trainer very patient and respectful." Vicky De K.

  • "The Money Merge Account program is making life more manageable and is already making me feel more competent about being able to take charge of our finances." John Young & Jean P.

  • "I had a very nice experience with Eddie. He called on time, had patience with me and made me understand the program better." James & Christine L.

  • "The Money Merge Account program has been a lifesaver for us. We've been using the Money Merge Account program for almost a year now. If all goes as planned, we will be mortgage-free in less than 15 years, and we just bought the property (which happens to have 9 rental units on it) only 1 year ago! I love watching our years come off bit by bit and look forward to the financial freedom that the Money Merge Account program will provide. It's incredible. Thanks so much to the UFirst Team and to the Money Merge Account program." Brent & Jill S.

  • "I had the pleasure of working with Austin for about 40 minutes. He provided training at the level that I could understand. There wasn't a question that I asked that was not answered. Thanks, Austin, for your help." Edward & Donna J.

  • "The Money Merge Account program was very easy to follow and input for my own personal needs. I am very very excited to know my mortgage will be paid off in 5.9 YEARS. Everyone with a mortgage should have this opportunity to be free and clear of a mortgage payment. For me this a plan I can truly believe in for my future retirement." Sherry M.

  • "I had two trainers who spoke with me over the phone. They were both nice and polite. I'm glad to have the trainer's email so I can ask questions as they come up." Susan & Randy A.

  • "The Money Merge Account program has helped me budget better and I thought I was good at budgeting. It is amazing my house will be paid off in 7.5 years. I highly recommend the program. Stick to it and even in these hard times you will find financial security." Nathan & Tanya C.

  • "My agent, Laura P., was very good, knowledgeable, precise and very patient in teaching me to use the program. She was always accessible to help and to answer my questions." Peggy Lee R.

  • "The Money Merge Account program has helped my wife and I to establish a budget, which was sorely needed to help us out of the day-to-pay-day routine that has been our way of life for years. Most important, we are going to have our mortgage paid off in less than half the time, without affecting our life-style. We are pleased with the technical support we have received. Thank you, UFirst." John & Penny L.

  • "Rachael S. helped me. She was very pleasant and very knowledgeable." Joanne & William C.

  • "The Money Merge Account program is an outstanding concept. In addition to providing an opportunity to pay off your mortgage at an accelerated pace, it offers you the ability to manage your finances in a very sophisticated manner." Michael H.

  • "I am pleased to be involved with a company that handles situations in a timely and precise manner. This Rep was top notch." Thank you.

  • "I have completed all three training options & the personal coaching trainer, Christian, was by far the best for my needs." Gary & Kara S.

  • "This company made it possible for my wife & me to buy a house, and become financially secure at age 24!!" Matt & C.

  • "I don't know where you find the talent that you have but it's the reason that keeps me going. I've ALWAYS received first-class treatment. My thanks to Everyone."

  • "I have received very helpful coaching from Jason. Very patient and thorough in his directions." Harriet S.

  • "This is a fantastic program and we are excited to begin using it! We have already dropped our projected 'payoff' date by 3 years just by using the software to project our spending. This is a major advancement in budgeting and viewing just how spending affects the mortgage payoff. Thanks for a wonderful product!" Charles & Amy A.

  • "I am very pleased with the training I have received. I have had 2 sessions, both were excellent. Most of all I appreciate the patience & personal attention I was given." John & Lynda P.

  • "This is an excellent program, but like all things we buy, we need to use it once it's in place. It is very simple to use. I'm so excited that I'll be able to be out of debt in 13 years." Carri & Dave S.

  • "I just love my Money Merge Account trainer. She speaks clearly and I can understand every thing she is teaching me. She is patient, kind and friendly. She does not rush me or make me feel stupid or slow. I pray all the trainers are as good as Marie!" Milton & Barbara T.

  • "This is the best thing that has happened to the financial industry in the history of man. We love it!!!" Sam & Karmelle D.

  • "I liked the person who trained me. She was very patient and clear with her explanations. Thank you so much." Gabriel & Maria S. V.

  • "This is the most powerful financial tool that I have ever seen. I am so excited about it, I look forward to be able to assist others in achieving financial freedom!!!" Randall & Janell G.

  • "I really look forward to using the software to help me be debt free. Knowing that I have Sandra available to help me when I need it is a big plus. She was great." Luann W.

  • "This program has and will change my life, and I am very excited to be able to share this financial freedom that I am receiving with anyone who is willing to listen." Thomas T.

  • "My training was individual one-on-one and was great. The trainer was very professional, personable and knowledgeable." Carolyn G.

  • "This program has given me hope that I will be able to retire. It has also allowed me to make good decisions on how best to budget by providing immediate feedback on how an expense affects the mortgage payoff." Vincent & Christie L.

  • "I had Karina today and she made everything easier. Kudos to Karina." Evelyn D.

  • "This program is amazing! I have been able to get all the improvements I want in my home, and still have it paid for in under 7years. I tell a lot of people about it, there is no better company out there for what they do! Thank you, United First Financial, for making me worry-free from debt!" Ricardo R.

  • "I think it's nice to be able to work with the same person every time rather than have someone different each time. This is a great way of doing it." Steve & Judith C.

  • "This program is amazing. It truly shows what money you have coming out every month and what money you have coming in every month. I strongly recommend this program to everyone." Carl P.

  • "I think Katrina was great! She was very helpful, kind, and patient! She took away a lot of fears that I had with starting the software. I actually think the software will be fun when I get used to it! Thanks Katrina and I look forward to working with you and paying off our house!!!!" Shannon & Steven I.

  • "Great Job, keep up the good work." Douglas F.

  • "This program is amazing! It has provided the answer to my financial anxieties. There is light at the end of the tunnel! A literal answer to prayer." Derek & Ronda H.

  • "I thought that the person I talked to was very courteous and very knowledgeable about the product. She knew the answers to my questions, or was able to get them answered before the end of the call (rather than a follow up e-mail). I do appreciate that she presented the information in a timely fashion (w/o speaker phone it's hard to write and hold the phone at the same time). All my questions were answered, and I do feel comfortable e-mailing her with any questions that I may have in the future." Steve & Deepa K.

  • "To begin with I was not clear in my mind as to what role, if any, the program was involved with our bank and mortgage company. After I got it clarified that the program was just a prescription on a great way to manage our finances I would recommend it to anyone having a home mortgage and credit card problem, as a super way to get one's financial house in order. You just have to realize it is a '""prescription for success""' and you have to be willing to follow the commitment to the program." Ben & Darlene B.

  • "I thought the training was pretty thorough and it was explained well. I would definitely recommend the Webinar to everyone. Thanks, Saving Big Dollars." Robert & Jacqueline T.

  • "Very friendly and courteous. Thanks." Pam N

  • "Using the Money Merge Account program we were able see just how our money was spent. Though we had many unexpected expenses the last 6 months, we can see just how the next year will have a big impact on our bills and mortgage. 28 years of mortgage payments or 5.5 years with Money Merge Account program-- you don't have to be a financial genius." Brian & Lillian M.

  • "I thought the Webinar was great! The software seems very easy to maneuver around in. My host did a good job of explaining the '""tabs""' and aspects of the software and program. After my training, I feel I have the tools to setup my account." Michele & Peter S.

  • "Very simple to use, has already helped me financially in only 4 months." Tom & Anna O.

  • "We were uncomfortable with using the program until we had our 1st training session. Now we are eager to get started." Kevin & Renee G.

  • "WE ARE LOOKING FORWARD TO HAVING THE MONEY MERGE ACCOUNT PROGRAM HELP US ACHIEVE OUR FINANCIAL GOALS A LOT SOONER THAN WE WOULD HAVE. WE SHOULD BE ON TARGET TO PAY OFF OUR DEBT IN LESS THAN HALF OF OUR ORIGINAL TERM." Debbie & Mr. C.

  • "We are very excited about the potential of this program. I appreciate the fact that it is very user friendly and also the technical support has been amazing. Thank you, UFirst, for helping us get on our way to financial freedom." Jeff & Crystal B.

  • "I want to commend Amber T. She is a valuable asset to the program and has restored my faith. Thank you, Amber." Michael & Mary E A.

  • "We find that this program is very thorough and easy to comprehend. Perfect for technologically-challenged people. We like the way the program is set up and displayed. We look forward to getting ourselves disciplined with a budget and saving $$ on our mortgage. Thank you!!" Jim & Mary H.

  • "I want to commend Sandra S. for her professionalism, courtesy and knowledge, in guiding me through my reconciliation sessions. She is indeed a credit to your organization." Henry F.

  • "We have really enjoyed using the software. It has made us really look at ways to budget our expenses and see how fast we can finish our mortgage off, much faster than we had ever thought. Thank you, UFirst!" Jeremy & Heather S.

  • "I want to thank Karina for her training. She did very well in backing up the training when I needed a little more explanation on an area of the software. She did a good job with the overall training on the Money Merge Account software." Sonia & Charles E.

  • "I believe that the Money Merge Account program is changing our families' lives so much so that I am on a personal mission to tell everyone that I know about how AWESOME this product is. There is Nothing like it anywhere! We started at 11.1 years to pay off our home and in less than 8 months we were down to 8.75! That is a blow away! Thank you so much, UFirst, for helping us to see clearly into our future. Way to go!" Casey & Jacqueline P.

  • "I want to thank Adam C. for his wonderful service. He was able to talk me through the process in a way that I think I can run with now." Larry S.

  • "We were so excited when we received our initial email from corporate, with our username and password. We completed our training that evening, which was thorough, yet brief. We set up our budget, and sent an email update to client support with a balance change that had occurred since we submitted our application. We were pleasantly surprised to receive a response that our account had been updated within just two hours, especially since it was after 9:00PM (EST) when we submitted the update. Two days later, we sent in our first principal-only payment to our first mortgage, which alone will save us over $15,000 in interest!" Bryan & Jolene M.

  • "I would like to thoroughly commend Andrew. I really want to make it known how much of a help he was and how much more comfortable I felt talking to him." Christopher H.

  • "It's an incredible program, anyone can do it." Randy & Carla H.

  • "I wanted to let you know that I received excellent customer support. All of my questions were handled very efficiently and professionally by Katie J. I was very pleased with the service provided me by Katie J. Thank you." Joseph & Denise P.

  • "We've been paying mortgages all our married life (25 years) and never seemed to get any closer to owning the homes we purchased since we were kids, really. It has been 7 months since we started our Money Merge Account program and it is WORKING. We're amazed and grateful. It is clear that in less than 4 years from now, we will own our home at last." Jim and Patti K.

  • "I wanted to recognize the job well done by Mayra M. Very professional and knowledgeable about her job, she was a big help to balance my Money Merge Account program with my bank statement. Thank you." Juan & Magda O.

  • "What an awesome concept. Something I want to share with everyone with a mortgage. I only wish this program was available 20 years ago." Kathy & George G.

  • "I was able to start my first '""Coaching""' session on Monday February 11, 2008. This was my first month after getting my Line of Credit and I must say that the '""Coach""' was very patient with me because I was totally confused regarding the Money Merge Account program. I am glad that I am involved and I'm looking forward to future '""Coaching""." Curtis H.

  • "WOW! I showed the Money Merge Account Program to my financial planner. He said every homeowner in America should be using this program. He is now showing every client in his data base the Money Merge Account Program!" Keith W.

  • "I was coached through reconciling my account by Jessica. She was very courteous, knowledgeable and professional in helping me reconcile my account, which is now in perfect sync. Thank you for your time and expertise." Frank & Michele C.

  • "Fred was very knowledgably, understanding and very patient. He made sure I understood before going to the next thing. I really appreciated his time and patience.

  • "A gentleman by the name of Mason worked with me for over an hour to reconcile my account. He was wonderful to me, never making me feel like I was '""stupid"".' He had to reconcile my entire account. He also taught me how to continue doing this for myself. Now, I can continue each month to do the reconcile on my own. Thank you, Mason and UFirst, for helping me lower the years on my mortgage. As a senior citizen, your help is lifting a great burden." Rosemary S.

  • "Mike was more than happy to go through my training and was extremely helpful in making sure that I was comfortable with the program." Tate & Melanie P.

  • "After I understand how it works I am excited about it, and at my age, who wouldn't be? I will not be able to pay a house payment all my life." Esther H.

  • "I was hesitant to call because I felt I had made a '""mess""' of my first month or two of Money Merge Account program. Mike B. was great. He understood quickly and had the patience and good humor to talk me through it. I didn't feel like a dunce, so thank you, Mike!" Matthew & Eloise M.

  • "The quality of the client support representatives is way way way above average! I learned to operate the program primarily from calling those folks and asking questions.. on a continuing basis. If I have questions I talk to them. They are absolutely wonderful! They are knowledgeable, courteous, understanding and supportive. I would never have been able to understand and operate this without them. They deserve the highest commendations!" JT & Barbara P.

  • "I was pleased with the training I received from Katie J. I feel confident enough to go in and do what I want to do. As I work with the program, I know I will have additional questions and Katie assured me I could call in for assistance and provided the phone number as well as the business hours. Thanks." Judy & Jim W.

  • "As a single woman, I look forward to the savings I will receive from my Money Merge Account program. Best of all, to the peace of mind of facing retirement age without a mortgage payment!" Virginia R.

  • "I was very grateful for Adam's help in getting me navigated through the use of the program. He was able to show me how to manage my account to my advantage. He was thorough, courteous and knowledgeable about the Money Merge Account program. Thank you for your help!" George & Katherine J.

  • "As soon as I saw the program, I knew it was one of the most powerful financial concepts that I had ever seen." James O.

  • "I was very happy and satisfied with my trainer. It went very well for the first time." Slavko & Lydia T.

  • "The software is easy to follow and it is nice to see our mortgage payment '""years to pay off""' keep dropping. I wish it was as easy to get people to focus on the end result and not the ""new"" concept of paying off your mortgage. We are pleased with our Money Merge Account program!" Matthew & Linda Sue D.

  • "I was very satisfied with my coaching. I know I didn't grasp everything but I got the basics, and I know I can reach my coach and she will help me through the areas I'm not sure of." Maria M.

  • "I could not be happier with the UFirst product. It has opened my eyes and mind to a totally different mind-set regarding paying bills." Bonne & Jack S.

  • "I would like to say that Katie was very pleasant and professional during my training. She was very patient with every question I asked. She is also very knowledgeable about the program. Thank you." Rosemarie C.

  • "The trainer was very thorough and professional. I am very pleased with the software and hope to have my mortgage paid off within two years." Robert & Lisa S.

  • "I would like to thank Jessica for her excellent assistance in getting me started with my Money Merge Account program! She was very informative, courteous and patient. I am very excited to watch my years on my mortgage disappear!" Tom & Janie Y.

  • "I like the Money Merge Account program because it helps me meet my goals of financial freedom. Just seeing the 4.167 payoff is nice." David & Amy M.

  • "I would like to thank Sandra S. for the excellent training, she has provided me with. Her tolerance with me was excellent. She is a wonderful trainer. Thank You." Michael & Diane M.

  • "I love this tool and wished I had it when I bought my house 9 years ago. Had I used this tool I would be sitting here free from debt. Thanks!" Dana & Rebecca K.

  • "Internet training is always difficult for me, but the trainer was very nice and knowledgeable. I will need assistance along the way, which is nice because he made himself very available to me." Megan F. & John A.

  • "I've gotten to the stage where we actually look forward to updating our Money Merge Account program each month and watch our payoff date get closer. No amount of budgeting could do this because with a budget you feel as though you are forced to give something up, but this way you are actually giving nothing up and it feels great." Carol & John C.

  • "My Account Manager and the trainer were exceptional in their willingness to help me, and I look forward to starting the program today." Susan H.

  • "My home is going to be paid off quickly, and I will be able to put more money in my pocket for retirement. In fact, I hope to be debt free as soon as I can. My Agent and my trainer were very helpful. I am so thankful that my Agent told me about this." Debbie & Wayne A.

  • "Jake M., You're the BEST !!!!" Jim & Jody M.

  • "My husband and I are extremely pleased with our Money Merge Account program in assisting us not only to save interest and pay our home off in record time, but also helping us to be financially disciplined. Our only regret is that we did not find out about it early enough." Rex & Bridget B.

  • "Jessica assisted me with my coaching. She was very capable in answering my questions and was helpful with her advice. She was patient when I was talking through my financial plans and how I should incorporate them with the Money Merge Account Program. I feel like I'm on my way to a better future and a smarter way of paying off my mortgage early. Thanks for the great help!" Helen P.

  • "I was directed to the express learning program, which was very easy to understand. The MAIN thing I want to stress is the excellent help, knowledge, courtesy, patience and several other things that the over-the-phone customer support gave me. Please let them know." Thomas M.

  • "Jessica the person that helped me with the training was excellent and patient with me. Thank you." Rosie F.

  • "The answers to the foregoing questions relate to the session that I just had with Mike B. Mike is awesome. He actually made sense and was a pleasure to work with. I am so pleased that I was able to work with Mike today. He is a credit to your firm. I have put his name and extension number in my rolodex for future use!!! The software of this program is so easy to work with. I am excited about paying my mortgage off in the next few years. Not only that but the program has put me on a much needed budget. I now think about every dime I spend. Thank you, UFirst." Alice M.

  • "Jessica was awesome, nice and friendly." Tom & Constance H.

  • "We have had this program for a while and got behind. When we were contacted again to see why we were not using the program, we thought we would be chastised. Instead we were re-educated and now feel more confident in our ability to use this program. Thank you." David & Peggey H.

  • "Jessica was very great. She helped me in a pinch. Thanks!" Kenneth & Ashley P.

  • "Great! I found out I could restructure and switch to pay off rental house first then pay off both houses in much less time. Mike B. is fantastic. He went way above and beyond!" Cheri B.

  • "Jessica was very helpful and seemed genuinely interested in helping me to understand the basics of the program. Thank you, Jessica!!" Greg & Cynthia W.

  • "I cannot tell you how excited I am heading toward to paying off our mortgage and our 2nd mortgage in less than 5 years. Light at the end of the tunnel!! Thank you for such a wonderful program!!" Carrie

  • "Jessica, We thank you for the information and guidance. Thank you." Dornsford & Maxine C.

  • "We are excited about all of this! All of your GREAT help and coaching has given us confidence not only in the program but also in the company behind the program. Thanks." Don and Cindy M.

  • "Jimmy B. was very knowledgeable on the software and helped me tremendously!" Sara & Mark B.

  • "I can't thank you enough. My wife and I started this program and are on course to pay off our mortgage and all bills in 7 years or less. Thank you very much for all of your help on this lovely program. I work with over 200 employees and all of my co-workers (approx. 75 homeowners) will join this program after they see my results. I don't mind being a guinea pig." Jim M.

  • "Joe was a great trainer. Training was great. Thanks Joe." Robert Y.

  • "Jonathan did an outstanding job! Also it is useful to have the ability to use the other training methods available. The Webinars are very good and all facilitators (I have attended 3) have been great." Denny S.

  • "Jonathan E. was great. He explained it very well." Ruben & Letty M.

  • "I was simply calling to schedule my coaching session. The agent was very helpful, courteous, and friendly and a great representative for UFirst. I tried to schedule this on-line and had problems. Thanks for all you do and for this WONDERFUL product.

  • "Jose displayed high level of knowledge and expertise of your product. He is an excellent listener and wonderful trainer. He was very patient through the process. Thanks, Jose." Eladio & Marla E. A.

  • "Jose was very informative and knowledgeable. Thanks for the help!" Art R.

  • "The training I received today was good as I'm not very good with the computer. My Trainer was patient with me and answered all my questions. Thanks." June E.

  • "Karina was very patient with us." Nancy & Errol W.

  • "Katie was very helpful !!!!!!!!" Mauricio & Angelica S.

  • "Katie was very helpful, clear and professional in her explanation. She is awesome, and we were very pleased with her services." Minerva & Joe F.

  • "Katie was very helpful and very patient." Steven & Patricia N.

  • "Katie was very pleasant, courteous, and very knowledgeable about the program. I feel I have a very good handle on what I am doing. Thanks." Joy W.

  • "Kayla was a real pleasure to talk to. I found it really helpful to go over the program with her. It helped clear up some questions I had. I am sure I will be even more pleased with the program once I use it for a while. Thank you for your help and support." Milton & Jan E.

  • "Kaylee was very helpful and explained the program in detail. I feel confident I will be able to go through the program smoothly with no problems!!" David & Stephanie L.

  • "Overall training was good." Ken H.

  • "Jessica is a real asset to your (our) company. She was of great help to me in understanding the new UFirst Money Merge Account program."

  • "Laurie did a great job and was very patient." Laura Jody R.

  • "Laurie made this session so much better. She was direct and to the point with ease of understanding for me. Thank you." Judy F.

  • "This should be a great benefit to us. Andre R. did a great job coaching. We are looking forward to paying off the house." Larry & Margaret C.

  • "LORI WAS VERY PATIENT WITH ME. I NOW UNDERSTAND BETTER WHY TO USE THE HELOC FOR EVERYTHING." Antionette & Darryl N.

  • "Lorie was my trainer and she was very kind and knowledgeable. It is very exciting and I am looking forward to getting started!" Virginia W.

  • "Lorie, our trainer was very professional and knowledgeable which made our training very good. I think that this will be great in helping us reach our goal of paying off our home. Thank you so much." Jon & Judy M.

  • "Loved working with Katie. She was knowledgeable, personable, and effective." John H.

  • "Leah was Extremely Helpful, Knowledgeable, Very Patient and took the time to '""be sure all my questions were answered""' in a '""no rush fashion"".' Shirley at the front desk has been the '""Exact Same!'"" I continue to be amazed at the attitude, ethics, morals and kindness of All that I have worked with at UFirst." Jon E.

  • "Meagan was a wonderful person to help me with the answers that I needed. Thanks Meagan." Edward & Donna J.

  • "Many thanks to Mike B. for taking the initiative and time to assist me with the application configuration and use!" Barry W.

  • "Marcus did a nice job on explaining the program." Alexander & Donna K.

  • "Marie did a great job of making me feel comfortable and working me through each section. Thank you." Linda & Rick D.

  • "Marie was an excellent trainer she was clear, calm, considerate and easy-going. I look forward to working with her in the future!" Milton & Barbara T.

  • "Mark did a great job in walking me through the training process. I can't wait to get started!" Andy F.

  • "Mary was very helpful, patient, and professional. I enjoyed my coaching session and I think I am ready to start using my Money Merge Account program." Lilian G.

  • "Mary was very patient with me and guided me through the Money Merge Account program in detail. She answered all of my questions with professional courtesy. She was also punctual in contacting at my scheduled appointment time. I feel very confident that when I contact her again, she will be able to assist me." Parris W.

  • "Mason was great! Wonderful asset!" Mark & Angela D.

  • "Trish or Trisha was extremely helpful and professional. Here is my recent email from customer Nancy: Hi Dotti and Kimberly. I wanted to thank you for helping and supporting me in learning the Money Merge Account program system and to Trisha at the office who was brilliant in clarifying things for me. I have a much better understanding now of how it all works and am now on a roll!! Again thank you for your calls, patience and support. I wish you both a very happy Christmas with family and friends and a joyful, abundant, healthy peaceful 2009!!! Hugs Nancy S. Thanks, Trisha for taking good care of our client, Nancy C.! We appreciate you!!" Kimberly S. & Dotti B.

  • "Mason was great. Very helpful and understanding." Dona & Edward C.

  • "Mason was very courteous and professional, explaining in detail answers to my many questions. I was left feeling confident that I will be able to use the Money Merge Account software to achieve my goals. Moreover, if I have any problems, Mason and UFirst will be there to help me." Dan T.

  • "MASON WAS VERY HELPFUL." Anthony & Chatty T.

  • "Mason was very patient and professional." Anthony & Chatty T.

  • "My coach Mason was excellent, very patient with a novice like myself. He offered on going assistance and his email. It was outstanding! He left me with a feeling of great confidence. Thanks." Lee & Carol M.

  • "Meagan was absolutely phenomenal and extremely helpful." Yulanda W.

  • "Michael T. was exceptionally helpful!" Burma & Bill H.

  • "Katie was awesome. She was upbeat, positive and professional. She was quick with an answer and she knew her stuff. I came at her with a perplexing problem for me, which was holding up an analysis for a client, who had just called me as I was calling Katie. So she got me the answer I needed about balloon payments, etc., all in a timely fashion. She was awesome. And by the way, the client, who has a huge CPA practice with loads of clients, is buying and going to give me loads of referrals. So thank you, Katie." Chris C

  • "Michael T. did an excellent job at helping me set up my UFirst account with his help. I feel that I will benefit from this program significantly." Kathleen H.

  • "Just a quick comment. You guys are all doing a great job. Love the new chat feature and your responsiveness to answer the phone. I feel comfortable calling you with issues from an appointment and you are always helpful." Dale N

  • "Michael T. was my coach and was a very nice and courteous young man. He also had good knowledge of the program and was very patient with an older lady like myself." Archie Sapp & Marilyn P.

  • "I'd like to recognize Heather for her outstanding assistance recently. I've only been with UFirst for just over 3 months, but the entire UFirst Staff has been incredible. The BEST customer support staff of any I've ever dealt with in my previous career." Danny C.

  • "Mike B. did an excellent job explaining everything. Thank You." Dwight & Denise E.

  • "Michelle helped us more than we ever have been helped before and was so nice and informative and very knowledgeable about her business. Such a delight to talk to and made our day brighter!!!! It is customer service like this that really makes a difference in our lives! God bless." Jeff and Carrie M.

  • "Mike B. is very knowledgeable and an excellent subject matter expert." Yulanda W.

  • "Jennifer was courteous, kind and patient. I had a number of issues that I needed help with and not only did she give me answers to the questions I asked but she offered additional information that would come to make some changes easier. I have to say that is the '""norm""' with all of the UFirst reps I have spoken with. I am excited to be part of such a great organization that seems to care from the inside out. Thanks!" Pam T.

  • "Mike B. answered all my questions and helped me learn how to move around in the program easier. We are anxious to watch our mortgage melt away." Scott & Tricia S.

  • "Mike B. did a great job showing us how to manipulate our own account and explained the why and how thoroughly." Erik & Shaina Y.

  • "Mike B. is AWESOME He went above and beyond in helping us out." Glenn & Lindsey H.

  • "MIKE B. IS THE MAN. HE PUT ME STRAIGHT ON THIS PROGRAM. WHAT EVER YOU ARE PAYING HIM, IT IS NOT ENOUGH...........THANKS." LONNY B.

  • "Mike B. was great and very informative!!! Thanks!!!" Jodi W.

  • "Mike B. was very helpful and very friendly. I finally got it with his help and patience!" David & Laurie M.

  • "Mike B. was very knowledgeable in my coaching session. He answered all my questions until I understood. I do recommend this Money Merge Account program to everyone." Barb W.

  • "Mike has done an excellent job and was very helpful." Sheila & Bruce K.

  • "Mike T. was excellent in that I was able to understand each and every word he said. He proceeded only when all my questions were answered. I followed through with ease. He was also enjoyable to speak with due to his knowledge of the Money Merge Account program." Marilyn & Harry S.

  • "Mike T. was very helpful. His patience and professionalism made it a pleasure working with him." Albert & Lydia M.

  • "Mike T. was very nice and patient during our coaching." Edna & Cecil N.

  • "Mike was excellent with his knowledge and coaching." John F. & Brenda M.

  • "Money Merge Account coach (Mason) was very helpful, even anticipating my problems or next question. While I may need some additional assistance as I utilize the program, I am sure that I will get the answers immediately and that gives me a sense of security." Gerald & Janet S.

  • "Bernard C. was very kind and understanding with us. He was very knowledgeable in his field. He extended his help with email address and telephone number for us. We feel that if we need any help, he will be there for us. Thanks." Harold & Anna S.

  • "Chris M. is a very professional person and very courteous gentleman." Mercy V.

  • "Eddy L. handled my concerns and questions in a courteous and professional way. I am confident that Eddy will be there to help me in the future, should I need it. Thank you!" Perry J. & Shara M. G.

  • "Junior B. did an excellent job in assisting me with the Money Merge Account tool. He was very professional and courteous throughout the process. Thanks." Jessie M.

  • "Dan was EXCELLENT. He LISTENED to my question and answered it with clarity. Thank you!" Aidan L

  • "Pono was very helpful and professional, and I was more than satisfied! I really appreciated the way he talked to me, and did not make me feel like I was stupid or worse. I give him very high marks!" Alice

  • "Racine and another gal (whose name I have forgotten) helped me with separate problems. Both were very professional and took interest in solving my problem. I am very impressed with the quality of service that was extended to me. Warmest regards to Racine and (I think) Donna." Ben P.

  • "I would say this representative did a very good job. She was a great help, and had the info that I needed. I would give her something for her great job." Bob L

  • "I'd mentioned to Sharon that I'm just coming into the 21st century in learning how to use computers. She was gracious upon realizing that I didn't know what she meant by the term browser. Until then, I thought the correct term was Google Thanks again." Cecilia P

  • "Issue still in process. He is looking deeper into an analysis issue. He handled it world class!" Chris

  • "Temre is a great problem solver." Chris

  • "Jennifer was instrumental in setting up my Money Merge Account program4. Jennifer was extremely friendly, courteous and professional." Debbie

  • "I have worked w/ Sharon many times. She is detailed and very thorough!!! She has excellent follow-up skills and gets the answers in a very timely manner! She deserves the recognition and employee bonuses if any!!!" Eddie Y.

  • "Appreciate the fact that Crystal politely asked if we mind being put on hold while she verified the info we needed. Did a great job explaining the error a frustrated client was getting while attempting to purchase the software. Very professional!" Jesse S.

  • "Pam got back to me in a timely manner and was prepared with the information that I had requested. It's absolutely incredible to have the support team UFirst has put together. Thanks, Team!!!!!!!" June L.

  • "This lady was very helpful in helping me to do what I could not do on my own. You have the very best help for people like me." Larry M.

  • "I will have to say that UFirst's customer service is outstanding. Barbara C. went above and beyond.She's awesome!!" Lito

  • "Outstanding support. Sharon took my information and told me she would investigate my concern. She called me back within 5 minutes and the issue was resolved. Great Job, Sharon!" Lou M.

  • "I now have the confidence that if I don't understand something I can call back and UFirst will be more than glad to answer my questions. Thank you." Terry G.

© 2010 United First Financial All Rights Reserved    Privacy Policy