Money Merge Account: Get more benefit

The Money Merge Account is a great concept, I have seen the program by itself help average Americans pay there home off in ½ to 1/3 the time. If you look at a full financial profile of a family I have found in most cases the benefit increases. I highly recommend you look at two other aspects of the Money Merge Account. Please talk to a financial planner. They may be able to provide insight into other financial aspects that will put you ahead of just looking at The Money Merge Account by itself. Also talk to a mortgage professional. The Money Merge Account deals mainly with your mortgage; in fact it is the first competent of the program. Doesn't it make since to talk to some one to make sure you are on the right mortgage program to achieve your new goal of paying off your house? In most cases as a mortgage professional I am able to create more discretionary income for my clients, and after running the analysis I find, my clients pay there home off on average an additional 2 to 5 years faster.

I just ran an analysis for two teachers in Huntington Beach California, and there results were amazing. They currently owe about $390,000 on there home, and have about $80,000 in other debts. They had some discretionary income, but not a lot. After reviewing there mortgage, refinancing them to lower there payments, and to pay off some high interest loans, we created more discretionary income, and they are going to pay off there home, and be debt free in 5.5 years, if they stick to the program.

They are so excited. I highly recommend everyone get a free analysis. We have an application on our website www.hoskinsvanhorn.com . It is free and we do not need any private information like account numbers, or social security numbers, so you do not need to worry about identity theft.If you would like more information on The Money merge Account you can email me at hughvh@themortgageguild.com, or you can attend my free live webinar, it is held every Saturday at 10am. The info is at the top of this blog.

Money Merge Account:can't get a HELOC?

I had a conversation on The Money Merge Account with another U First Financial agent today. He was saying it was tough to get some of his clients HELOC's. So I've decide to talk about 2nd trust deeds and Home Equity Lines of Credit today. I have been in the mortgage business for a little over 6 years now and manage a branch of TMG Financial Services Inc. called the Hoskins Van Horn Group. The mortgage industry has changed drastically in the last year. I have seen over half of the programs we had available go away. I have a lot of friends who have had to exit the business, and the industry has seen some major banks and business go away. This has happened for a whole variety of reasons, and maybe I will get in to those on a later blog. Right now I want to talk about what is available for HELOC's in the market place. First off the highest LTV or Loan to value ratio that we have access to right now is 125% however the rates are high, it must be full doc, and you must have a strong property. If you want great rates, HELOC's will go up to 89.99% Loan to value. Credit has to be relatively good with credit scores above 680, but again depending on the loan to value ratio credit scores may be as low as 580. It is important when doing the Money Merge Account that you look at the features of your HELOC to make sure it has all the features required to make the program work. I would recommend for anyone needing a HELOC for the Money Merge Account program to go apply at the bank you bank with, also United First Financial has a preferred company that does HELOC's for them; I would also talk to a broker like myself. Most of the time we can find the deal you are looking for, because we are approved to originate loans for hundreds of companies. We like to find needles in a hay stack. If you can't get a HELOC, remember a personal line of credit, or a business line of credit could also work. I hope this helps please email me if you have any additional questions.

Money Merge Account: One thing leads to another

In the words of the 80's band The Fixx:"Why don't we do what we say, say what we mean, one thing leads to another." The facts of how compounding interest and money works in our country is very complicated. It is no secret that banks have a lot of money. They are doing the right things to make them the most money they can, wile offering a service to consumers.Why is it as consumers we want to pay our homes off, we want to find ways to become more financially independent, but when it comes down to it, we have no plan, and don't do anything to improve our financial situation. In my Money Merge Account presentation I have a slide that says "The best tools in the world won't work if nobody uses them." It is a famous saying, and I don't know who originally said it but it is more than a statement of fact, it has become a philosophy for our lives. We want to have an opinion about everything, there are other blogs I read, where comments are left with little to no facts to back up there opinion. I know that personally I need to look at more things with an open mind, because if I come up with conclusions before the hypothesis, I will say I want a lot of things, but my actions will lead to another.I am so glad I took the time to learn about The Money Merge account. Honestly I started learning more about it so I could sell against it in my mortgage business, but when I looked at the software and concept more closely, I found it was an amazing product that would help a large majority of my past clients. This program is so amazing. Please do all the research you can. I know if you seek the information like I did you will love the conclusion. I do an online live seminar every Saturday. Please come and learn, I will answer questions at the end of the presentation.

Money Merge Account: Is now a good time to buy a house?

I know that The Money Merge Account software helps you pay off your home, and the concept talks about being more financially responsible. So I want to take a moment and address a question I get all the time. "Is now a good time to buy a house? Well I think there is a simple answer to this question. It is a great time to buy if you are in the right financial situation.Any time you are looking at a big ticket item like a home, you need to have the right mindset. Your mortgage is a debt, and if you have large mortgage, your home is a liability not an asset. Finance your home appropriately to your financial goals. I'm not saying to put down a lot of money, I am saying to make sure you can afford the payment no matter what happens, and that you have a strategy to pay your home off, using a product like The Money Merge Account.If you are in a position that you can truly afford a home then buy. You can buy new homes lower than it cost the builder to build them right now. There are also a lot of foreclosures on the market, and you should take advantage of the opportunities if you can.As far as real estate goes it has always appreciated over time. As Will Rogers once said back in the early 1900's "The funny thing about land, is they're not making it anymore.” In my last blog I included an example of what our real estate market has done over the last hundred years. Your home will appreciate over time. The best thing you can do is wait till a dip in the market happens, like right now, and buy. Any market goes up over time, it does not go straight up, there are peaks and valleys, find the lowest valley you can and buy. Warren Buffet is quoted as saying "buy when nobody wants it and sell when everyone does.” There is a lot of negative press right now, and there are homes being foreclosed on because people have lost so much equity and can't afford to hold on to there real estate.If you are fortunate enough to get a loan, and be able to truly afford to buy, then I would. I hope this has shed some light on the current market, and has emphasized the need for a Money Merge Account? Always have an exit strategy, make sure to hope for the best, and plan for the worst. Make sure you always preserve the equity you do have, by creating more when you can.

Money Merge Account: Why is this important?

I was thinking about why The Money Merge Account is so popular this mourning. Everyone I talk to has a desire to pay down there principle balance on there home, to either pay it off or create more equity. Now I know that this is an idea you would think everyone would want. However over the past 3 or 4 years no one wanted to pay there house off or even cared what there loan balance was. They just wanted the lowest payment no matter the cost.We are now in a real estate market where the average homeowner is watching the little equity they have as it slowly dwindles down to nothing. That is not a good feeling. Could this circumstance have been avoided? Is this normal? How did we get here? Why hasn't The Money Merge Account been more popular earlier on?

Well to understand all this we need a little real estate in America history Lesson. I believe the start of this goes back to 1934 when FDR signed the "New Deal". Apart of that "New Deal" was FHA or the Federal Housing Administration. FHA has done and is continuing to do a good job of making housing affordable in this country. They came out with a loan to help consumers afford housing. The first loan in 1934 was an interest only 5 or 7 year loan with a balloon payment on the end. It was only a 20% loan, which means the borrower had to come in with 80% down. Remember that house prices were also more affordable. But as Will Rodgers once said "The funny thing about land is they're not making it anymore." So house prices quickly started appreciating. It then all became supply and demand, as loans started requiring less investment up front from the average Joe, and the rates and terms of loans become more favorable with longer terms and lower rates. it became easier to own a home. Our population doubles every 50 years, those people don't all show up at once but over time. This makes the centers of our civilization more, and more expensive. Here is our real estate prices and the population growth side by side over the last 100 years, so you can see the effects:

The last 100 years:

Yr......Population...Change from last 50yrs...US Median Home Price
1906....75,000,000............Double.................$5,000
1956....150,000,000..........Double.................$16,200
Today..300,000,000.........Double.................$231,000
2056?..600,000,000??.....Double ??............$???????????

We have gone from a 5yr. loan to, 15yrs., to 30yrs., to even 40yr. and 50yr. year loans. Some folks have even done negative amortization loans where they pay a low payment below what is actually owed every month and differ the payments to a later time. None of these loans are bad loans, they all have strategies, and there time, and place, but it shows that the US is a country where we have come to the realization....."WE WILL NEVER PAY OUR HOME OFF."

That is why The Money Merge Account software is so important. It creates a system to pay your home off in as little as 1/3 to 1/2 the time, and it does this with little to no change in your current life style. It is changing peoples lives. It is a light in our dark world of debt. It is a way that the middle class can actually own there own home.I heard that in the old days, neighbors would through a mortgage burning party when they paid off there home. They would invite all there family and friends throw a party, and literally burn there mortgage. Wouldn't it be great to go to a party like that? I would love to have a Party to celebrate real financial freedom.

If you would like to make plans to have a party of your own. Read more of my blogs, and come to our free Money Merge Account webinar, it is every Saturday at 10am PST. You can do it from home. Please learn what you can about this awesome concept. The only thing you have to loose with the Money Merge Account is your mortgage.

Money Merge Account: Money Merge Accounts

I have found recently lots of information on Money Merge Accounts. It seems that there are several companies soliciting products very similar to United First Financials Money Merge Account. Don't let the look alikes fool you. Please make sure you are buying The Real Money Merge Account. You are dealing with your largest financial investment your home. Some of the other programs make you refinance your first mortgage into high interest rate first mortgages, some give you very simple mortgage calculators you could get for free online. My company website has many free calculators online at www.hoskinsvanhorn.com. Only the United First Financial Money Merge Account has the complex software required and the guarantee to back it up. If you want more information on how the software works please come to my free webinar on Saturday. the information is on this site. There is no such thing as money merge accounts, there is only one Money Merge Account and United First Financial has it trade marked.

Money Merge account is.........

The Money Merge Account is an awesome tool that is changing peoples lives. Here is an example of someone I just helped. I mentioned the program to her and she told me to do an analysis. I did and we both could not believe the outcome:

1. She only had 15 years left on her mortgage, but with the Money Merge Account she lowered the term of her mortgage down to 7 years.
2. I saved her over $250,000 in interest charges on her mortgage.
3. I refinanced her 1st mortgage and saved her $400 a month.
4. She always wanted to buy a second home near Palm Springs and because of the Money Merge Account she was finally able to achieve that reality.
5. She is going to own her home free and clear before she is 45 years old!!!!!!

The Money Merge Account software truly makes peoples dreams come true. Please find out more information on the Money Merge account. You are invited to my free online seminar on Saturdays, please come. The information is on this site.

Money Merge Account: The Top 10 Reasons to Use It

1. The Money Merge Account software will pay your home off in as little as one-half to one-third the time.
2. The Money Merge Account software will save you thousands of dollars throughout the life of your loan.
3. The Money Merge Account software will help you keep a better budget.
4. The Money Merge Account software will create an emergency cash fund and reserve account.
5. The Money Merge Account software will potentially create greater tax benefits for you.
6. The Money Merge Account software will help you lower and pay off your debt.
7. The Money Merge Account software will create lower stress because of lower debts.
8. The Money Merge Account software will help you create a financial plan.
9. The Money Merge Account software will give you the true cost of everything you buy.
10. The Money Merge Account software will create equity in your home faster than a conventional mortgage.

Money Merge Account ™: Power Point Presentation

This is a full explanation of how a Money Merge Account works. It is a live webinar by me Hugh Van Horn. I hope it will help answer your questions about the Money Merge Account.

Money Merge Account ™: How does a money merge account work?

How does the Money Merge Account work? The Money Merge Account works by using the one method that works to pay your home off faster......PREPAYMENT!!!! That's right, the program works by simply making prepayments on your mortgage.

Why the Money Merge Account software? Well it makes the pay-off faster than doing it yourself, or with any other program. Don't believe me? I have a bi-weekly payment calculator and a prepayment(making extra payments) calculator you can play with and do an analysis. It is on www.hoskinsvanhorn.com. I or another U1st financial agent can do an analysis using the Money Merge Account. I have never seen a circumstance where the simple prepayment or the bi-weekly payment option out performed the Money Merge Account.

If you search the Internet, the only folk that say anything bad about the Money Merge Account are people who simply haven't taken the time to accurately figure it out. It takes some research, and I know it took a lot of time until the light went on for me. Everyone who uses the money merge account seems to think it is the best opportunity out there. I have never heard anyone on the program who doesn't like it. Why does it work? There has to be a simple explanation....

The explanation takes numbers, math, examples, and presentations........but I will try to explain it as easy as I can. If you are a person who wants the in-depth explanation, come to my webinar or check out the videos further down on my blog.

OK here we go......
Your first mortgage is a closed ended loan, and your payments are amortized over the period of the loan (typically 30 years). During the first few years of the life of your loan, you pay very little principle. However, if you make a one time prepayment, your payment will not change, but the amount of money going to your principle balance will. The portion of your mortgage payment that goes to your principle will be greater than if you did not make a prepayment. The principle portion of your mortgage payment will continue to be greater on every single payment you make for the life of the loan. Where do we get the extra money to make the prepayment? Most of us don't have it sitting around in our savings accounts, and that's where the Money Merge account comes in. Providing you a way to borrow the funds for that purpose.

Now I know what you're thinking. This is where I started to become skeptical. You are saying to yourself "Why does it help to borrow money to pay off borrowed money?". Well it is common since the Money Merge Account allows you to use an open ended loan or credit line, which if used properly can cancel out interest by depositing your paycheck directly into it. In simple terms, it costs you less in real cold hard cash to have the benefit of paying the additional principle every month. Remember, paying the additional principle means less interest charges on a larger loan, your first mortgage.

The Money Merge Account software is the glue that holds this concept together. If you borrow too much money from your credit line you will pay too much money in interest. If you don't borrow enough money you will not pay your home off as aggressively as you should.
Do your research and don't be quick to judge. The software is worth it.

Just to recap:

1. You cancel interest by making prepayments.
2. You make the prepayment with an open ended credit line.
3. You cancel out a large portion of the credit line interest charges by depositing 100% of your paycheck into it. Use the credit line to pay all your expenses.
4. You pay the credit line down over time. Pull more money out to repeat the prepayment process, which is going to pay your home off faster than just sending in the extra payments every month.
5. The software examines this process for you to make sure you are making the right amount of prepayments.
6. You pay your home off in a fraction of the time.

If this still doesn't make sense you can watch the videos below, or come to my free webinar. Please email me, I will be happy to do an analysis for you. This program is helping people. We all should have the opportunity to own our homes free and clear one day. I hope to help you and the ones you love achieve that dream.

Money Merge Account ™: Benefits

The Money Merge Account is an amazing tool that will help you pay off your home in a fraction of the time, and save you a ton in interest. However, there are some additional benefits as well that never get the attention they deserve. Today I want to point out the other advantages of The Money Merge Account.

The Money Merge Account uses a home equity line of credit in most cases. That equity line is an awesome emergency funds account. My dad always told me to keep at least 1 years worth of savings just in case. Most Americans do not follow my dad's advice. In fact, the last statistic I heard was that 95% of Americans have no savings at all. The home equity line of credit is an available line. It is important not to use your equity line for non needed items, but if an emergency comes up, you have access to those funds. If you use the whole line of credit it defeats the purpose of the Money Merge Account, however the available balance is a great safety net in case something happens. And as they say better safe than sorry.


The budgeting affects of the Money Merge Account software also gets over looked. This program well teach you to be a better saver and help you stay on your budget. The true cost function is awesome. Perspective is key. I don't like it when someone tells me what to do, however I do like to have all the information available before I make a decision. The true cost function does that because every time you buy something instead of putting those funds toward your debt has a true cost including interest. A $6,000 recreational vehicle may actually cost you over $10,000. This feature will wind up saving you more than just the interest on your home.

The Money merge account is also a great way to boost your credit scores. One of the aspects that FICO looks at is your available balance. Since you have a HELOC that you are paying down, you will have a large available balance that will help increase your score. You also have an account to pay your bills with every month. You will no longer be waiting for your paycheck to pay the bills. Less stress and better credit scores.

These are just some of the other benefits of the money merge account if you want to learn more please come to our free webinar on Saturday at 10am. The information is on this blog.