Qualifications

Component #1: An Existing First Mortgage

The Money Merge Account (tm) program works with an existing first mortgage and does not require you to refinance.

Component #2: A Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) needs to be a "specific type" of home equity line of credit. You must get a HELOC with specific features that are required to work with the online Money Merge Account program. Therefore, you must be able to qualify for a HELOC (there are exceptions - contact for more information)

Component #3: The Money Merge Account Web-based Software and Coaching Service

The Money Merge Account Web-based proprietary software works as a financial dashboard to enable a homeowner to effectively manage the entire process. Our lifetime service and support provides the homeowner with coaching services that enable them to benefit from the full potential of the program.

Can Anyone Qualify For The Money Merge Account?

NO

We wish we could say yes, but it wouldn’t be the truth. You must first qualify for a Home Equity Line Of Credit (HELOC), which is required to make the Money Merge Account (tm) Program work. So, the key is being able to qualify for the right kind of HELOC. If you can get the HELOC, then you’re almost there.

Check with your local Bank or Lending Institution to see if you can qualify for a HELOC. If you don’t have a source or your credit is not so good, give us a call, and we can help you find one. We have relationships with National Lenders, some of which specialize in helping families with ‘less than perfect’ credit. We have taken the time to find sources of HELOCs which meet the program guidelines, which greatly speeds up the process of obtaining a HELOC for the homeowner.

With today's crazy mortgage market the way it is, you'll more than likely need a least a 620 credit score. Sometimes life gets challenging, and having a low credit score doesn’t mean we consider you a bad person. We simply have to work with the rules the banks have set before us.

Once you have requested a free financial analysis, the worksheet you receive will be guaranteed by United First Financial.

The MINIMUM line of credit (home equity line of credit) you'll need is usually $10,000. So, if you have $10,000 worth of equity in your home, then you've met that requirement. In some instances, $15-25,000 works better, especially if you have consumer debts (like vehicle loans or credit card loans) you would like to pay off as well.

When we run the analysis, we look at several variables and will provide you with several options that you can evaluate.

The most important thing to do is to have the free analysis done. Then, if it says you can save thousands in interest, the sooner you start, the more you'll save.