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FAQs & Disclosures
Q.  What is the Money Merge Account™ system?
Q.  Can I do this concept on my own?
Q.  Does it make sense to move money in my regular savings account over to my Money Merge Account system?
Q.  Do I make monthly payments on my line of credit?
Q.  How can homeowners pay their mortgage off early with little to no change in lifestyle and with out increasing minimum required monthly payments?
Q.  Why am I applying for a line of credit, and how is it associated with my savings and checking accounts?
Q.  Do I have to change banks?
Q.  Do you make payments for me?
Q.  Do you have access to or control of my money?
Q.  Do I pay interest on the equity line of credit?
Q.  Why do most banks not offer this type of program?
Q.  Can I contact any of your client references to hear about their experiences with the Money Merge Account system?
Q.  What happens if I sell my home?
Q.  Is there any risk involved?
Q.  Can anybody qualify for the Money Merge Account system?
Q.  Do I have to refinance my existing mortgage to make this work?
Q.  Will the Money Merge Account system work with an interest-only or negative amortization payment on my primary mortgage?
Q.  Can I own multiple investment properties at one time and use just one Money Merge Account system, or do I need one for each property?
Q.  Is this program right for all people?
Q.  Does United First Financial give investment, mortgage, real estate, or financial advice?
Q.  Does the Money Merge Account system create money in addition to my regular income to help pay down debt?
Q.  Is the Money Merge Account system the only option that can effectively help to pay my mortgage off ahead of schedule?
Q.  Does the Money Merge Account system take into account if I am paid on a monthly, semi-monthly, weekly or bi-weekly basis?
Q.  Does the Money Merge Account system fix my financial problems?
Q.  If I spend more than I make, will the Money Merge Account system work for me?
Q.  Should I stop putting money in my investments or transfer money from an account into my Money Merge Account system?
Q.  Is customer support important in properly implementing this system? And if so, what kind of customer support do I receive as a client?
Q.  How can a higher interest line of credit help to pay off my lower interest first mortgage? Can you give me more information on the workings of this program?
Q.  What is the secret behind the Money Merge Account system?
Q.  Is this a good program if I overspend on a regular basis?
Q. 

Should I consider keeping a reserve amount in a savings account separate from my Heloc and/or other Line of Credit?
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