Mortgage Payoff News Special!! United 1st Financial
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Comments to “Mortgage Payoff News Special!! United 1st Financial”
- By the way, I could really care less about your opinion of our company. I am a happy client and successful Manager and I believe this company is doing the right thing to help families become debt free and stress free. Another note: You are the liar actually. Paying off debt by attacking the highest interest loan is the most ridiculous way to safely pay off debt. It is never that simple my friend, and it scares me that someone like you in actually telling people this!!
- UFirst is on a mission to help people eliminate debt without risk, doing smart and it works around their habbit and constantly recalculates to keep them on path. No spreadsheet can do that.
- I don't "borrow my way out of debt". I leverage my way. How do you think the Banks have succeeded in become wealthy? By leveraging our income sitting stagnet in their accounts? If I took $500 out of my income to apply to debt, such as my mortgage and something happened (loss of job,car repair,unexpected bill..) I can't get that payment back. How many families do you think stress and fight over these issues? They all do.
- I guess for you , reality has not truly kicked in to the true debt crisis people are in. 90% of my colleagues are professionals in the lending industry, financial planners and we have recently opened a debt management division. You may have had a run in with an Agent that upset you or wasn't fully trained. Thus leaving quite a thorn in your side. I have proven results by the Clients that are actively applying our service and winnings far greater that you can ever promise. Spreadsheets don't work
- As for E&Y, they only sponsored the award, and did not review the nominations. Ask Andy Heaton at E&Y/Ethics. And any company who can assemble a risk-free sales force of who have to pay them to become "independent contractors" and go out and sell access to simple, inefficient web-based software for $3500 deserves some kind of entrepreneurship award. The mags who like UFF are small, ad-driven rags with no history or reputation. Kiplingers, Dave Ramsey and CNBC agree to avoid the MMA.
- Of course your minimums never changed, but your MMA will direct you to make "transfers" to the mortgage and other debts from your HELOC. You're trying to borrow your way out of debt. Yes, there are some savings available by reducing the average daily balance of the HELOC with your paycheque, but you vastly overstate them. It's only $20/month or so, at best, which is wiped out by the interest on the MMA fee. The MMA will always trail a simple DIY approach.
- "All you ever provide us is critism. " That's all you deserve. What your clients need is a budget and maybe a conversation with a credit counselor to show them a few simple steps. You a one of an army of 60,000 financially illiterate agents who have only managed to make about 2 sales per agent, on average. You may have done better than average, but from your claims, you've obviously done it on a pack of lies.
- By the way - my payments never changed! That is absolutely NOT a lie. I still pay my minimum pymts. I really don't know why you continue to portray yourself as an expert in debt. elimination? UFirst Financial received the award for Entrepreneu of Year for Financial Services by Ernst & Young. We have also been interviewed by numerous Financial and wealth magazines and received credible recognition. Have you? Until you have you own Analysis and truly understand our service - you're clueless.
- Wow?!Really?! You mean that's the real answer our debt crisis? I'm sure glad your expert opinion has saved so many families! *applause* My clients tell me that they have been waiting for a service like the MMA for yrs. People buy a GPS so they can get from point A to B fast. When there's a road block or missed turn, the GPS recalculates, keeping you on path. Our service functions with the same concept. Simple, webbased, 24hr access, 100% client support. All you ever provide us is critism.
- You say you went from a projected payoff of 25 years to 2 years, with "no change in payments". That's a lie. An obvious lie. The MMA is slightly less efficient than prepaying your debts yourself. With or without the MMA, you need a lot of money coming in to accelerate your debts like that. Your MMA is not a GPS - it is a boat anchor. People can do better than the MMA, for free, by paying higher rate debts first and sending what extra they can to their debts with their regular payments.
- The MMA works - period. UFirst Financial has the credentials to back it up as well! I was on path to paying off my debts in 25 yrs. Now, I am a client and Agent (Canada). I will eliminate all my debt in 2 yrs with changing banks, no refinancing, no change in payments! ZERO RISK! I have complete control of my income and I am always prepared for when "life happens" (ie: repairs, birthdays, travel) because I use smart software that runs like a GPS! I love MMA and so do my Clients!
- Using the same money you gave to the MMA (as well as the $3500 to UFF themselves), you could have saved over $38500. You will fall behind a simple DIY approach by $3500, plus interest, for the life of the mortgages. Mortgage interest is not "diabolical". Monthly, it's 1/12th the rate times the balance outstanding. It's easy to calculate how much of each mortgage payment is servicing interest. Just send more money to the mortgage and it will knock down the balance, and bypass the useless MMA.
- I don't want to insult your intelligence, but if you look at the clip, you can see "Las Vegas" scrolling at the bottom; then you could search "NBC 3 Las Vegas" and get to their website, go to "Saving You Money" and see that the "news broadcast" is not suspicious. In fact, it is reported by a reputable reporter from a reputable news station.
- Way to go!
- We have been on this program for 4 months. We thought we were fairly financially savvy, as we have 4 houses, mutual funds, 401k (now virtually depleted!!!) but never realized that mortgage interest is so diabolical. We have saved over $35,000 in this short amount of time. We would have never have been able to do this on our own! Thank you UFirst!
- You're not helping the cause with "retarted". The simple math you speak of is to work out the advantage of "floating" your expenses with a credit card or HELOC, between paychecks. In good cases, the MMA can save $2.50 per month. If people just sent the same money to their mortgages and bypassed their UFF agent, they would be ahead by $10K or more. After monthly expenses are paid, just send as much as you can to the mortgage. That's it. You're ahead of the MMA.
- I no longer have a mortgage. I doubled my payments and added lump sums when I could, and paid it off in record time. Here's the thing: The MMA needs extra money to accelerate a mortgage as well. See the FAQ on the UFirst website if you don't believe me. The HELOC or credit card are responsible for saving about $20 per month - about the monthly interest cost for borrowing $3500. Any large savings are due to extra "transfers" against the principal. If you think otherwise, show us. Use math.
- For a stupid comment like that, you sound like someone who deserves to pay 30 or 40 years on a mortgage, giving the banks hundreds of thousands of dollars in interest. Squawking over $3500 bucks, you pay more than that to refinance and start your 30-year cycle all over again.
- TOTALLY EFFING FAKE!! WRONG! any person who can do SIMPLE MATH can see that it's total crap. I love the retarted sponge analogy. So lame.
- I recently worked through some typical mortgage scenarios with UFF agent John Dillard. As it turns out, fair compensation for forcing someone to use the MMA would be to refund the entire purchase price, and pay them $2500 to make up for the inefficiencies of the software and the system. That still doesn't cover the extra time the MMA demands over simple prepayment, or the added risk of the MMA. The MMA *should* cost $3500. Agents should be forced to pay that to their victims.
- It's supposed to be a local broadcast out of Las Vegas. It sounds more like an infomercial. Television news usually isn't this complimentary about something unless it is furry and cute and saved a family of 4 from a house fire.
- By the way, can ANYONE authenicate this "news broadcast"? It appears to be an NBC broadcast, but the station is not being identified by their call letters, which is suspicious.....
- To all, please be careful. There are some "alternative" products out there that allow you to combine your mortgage with your checking account. These hybrid products originated in Australia, and were not legal until recently.....I actually read about them several months ago. PLEASE BE CAREFUL!!!!! The products are far more predatory and dangerous that the loose lending practices that got us where we are today!!!!
- as far as the Ernst & Young award....Ernst makes it real clear that they just sponsor these local awards, they have nothing to do with supporting or promoting u first. The company is a joke, and the new language on their own website is a result of strong legal oversight. The U first reps remind me of some sort of invasion of the body snatchers movie, many of them really believe in what they are doing.....their fervor is cult like and weird.
- such a scam....the U first website now readily admits in their FAQ section that anyone can do this on their own. They also finally admit that the whole system is based on the premise that you have lots of "unused" money laying around every month. Apply that extra money to the principal of your loan and bingo!!!! You just paid $3,500 for nothing. The $3,500 software is just a glorified Excel spreadsheet that you access online...wow an online calculator developed by a NASA scientist,such a joke.
