Sue Copening
Branch Manager
407 .443 .0348 (cell)

Sue@TeamSue.com 
Independent Agent UFF#829676
www.TeamSue.com

> Learn more now United First Founders were chosen for the "Entrepreneur of the Year Award"  ...Utah region, ERNST & YOUNG;  .  .  .  .  "Editors Choice Award" ...Personal Real Estate Investor magazine;  .  .  .  .  "Outstanding Company of the Month" ...Broker Banker magazine

The Money Merge Account™ Program is a "value added" program for your clients, a revenue stream for you AND a great prospecting and sales tool!   Learn more.... sign up below for news updates, check the schedule for online WEBINARS to help you decide if this great program is right for your business and your clients... 

Money Merge AccountCLICK the OVERVIEW link to learn how the Money merge software and coaching program helps you to  become mortgage and/or debt-free in less time.

CLICK the CLIENT TESTIMONIALS link to hear from other folks just like you... homeowners across the nation, currently using the Money Merge Account™ program to save hundreds of thousands of dollars in interest by paying off their mortgage, and/or other debts, in a fraction of the time.

 
Learn more about the Money Merge Account™ program and see first hand how it will work for you.

~~ WEBINARS
~~ TeleSeminars


Check the schedule of WEBINARS & TeleSeminars to learn more.  These are on a variety of topics, from program knowledge to the benefits to becoming a United First Agent.  Some of these will include a Q&A session.
 


 
 
 
 

This issue of Broker Banker
has interviews with
Colby Dalley
top UFirst™ Agent & formerly a Branch Manager with Wells Fargo & US Bank, as well as Mortgage Professionals who represent the Money Merge System and CLIENTS who tell their stories.  (click to download)

 
 
 
 

 

More LINKS....
 

 
 
 
MMALearn more now...
 
Learn more about the Money Merge Account™ program and see first hand how it will work for you.

~~ WEBINARS
~~ TeleSeminars


Check the schedule of WEBINARS & TeleSeminars to learn more.  These are on a variety of topics, from program knowledge to the benefits of becoming a United First Financial™ Agent.  Some of these will include a Q&A session.
 


 
 
 
 

This issue of Broker Banker
has interviews with
Colby Dalley
top UFirst™ Agent & formerly a Branch Manager with Wells Fargo & US Bank, as well as Mortgage Professionals who represent the Money Merge System and CLIENTS who tell their stories.  (click to download)

 
 
 
 

More LINKS....
 

 


 

MMALearn more now...
 
Learn more about the Money Merge Account™ program and see first hand how it will work for you.

~~ WEBINARS
~~ TeleSeminars


Check the schedule of WEBINARS & TeleSeminars to learn more.  These are on a variety of topics, from program knowledge to the benefits of becoming a United First Financial™ Agent.  Some of these will include a Q&A session.
 


 
 
 
 

This issue of Broker Banker
has interviews with
Colby Dalley
top UFirst™ Agent & formerly a Branch Manager with Wells Fargo & US Bank, as well as Mortgage Professionals who represent the Money Merge System and CLIENTS who tell their stories.  (click to download)

 
 
 
 

 

 
 
 
 
 
 

 

Mortgage Brokers - get Super Charged!
Learn why, and how, the Money Merge Account™ program will revolutionize your business:

 MMA The Money Merge Account™ program saves thousands in interest

 
MMA Allows your clients to build equity faster

 
MMA Pays off a mortgage (& other debts) in as little as 1/3 to 1/2 the time
      without significantly changing lifestyle or budget.

 
MMA Not a bi-weekly, no refinancing of current mortgage is required,
      no change to current monthly payment

 MMA Helps raise credit scores and improves financial health.


READ About us!
Download ARTICLE
Click ..."file"
& "save as"
to save to your
hard-drive as a PDF file

"Our team members are improving their mortgage business and, more importantly, their client base. On top of this, they are, dramatically increasing their income.

What value do you place on being able to talk to every client in your database?

What if you could not only talk to them, but to all other clients that your competition cannot talk to?

      ...Thomas, Quann, III
         President,  Stonegate Mortgage

What will this Program do for You AND your business?
We have never seen a program that complements
the mortgage business in so many ways! 

Click on each to jump to more information...

What they are saying about us:

"Any mortgage broker who does not show their clients how to accelerate their mortgage through this program is crazy.  My clients keep asking me 'why hasn't anyone told me about this before?'  ...this program has created a referral brush fire for me."
  
...Scott Schaffer, Mortgage Broker

"I have never personally or publicly endorsed any product.  However, I'm endorsing this one... it's the real deal."  
   ...Brian Topor, Exec Publisher,
      Broker Banker magazine.
 


"Outstanding Company of the Month"
Broker Banker Magazine
(download)

 


Brooke Barnett, Mortgage Broker
(and top producer with both
CMG Mortgage & the
Money Merge Account™ program)

"I'm finding, after introducing the Money Merge Account™ program to a new client, that I have all the crucial information needed to evaluate their current financing situation, giving me the ability to refinance at least 20% of their first mortgages, resulting in even greater savings."
   ...Brooke Barnett, Mortgage Broker
 

Client Testimonials:
Jeremy & Angela Fobes
Curtis & Jennifer Zachman
(click for more)

Branch Manager Interviews:
How has this impacted your life?
Why United First Financial™?
How is this changing America?


All links are to videos
on corporate web site

 

Stay in the loop!  We'll keep you in touch with what's happening and we won't give your address to anyone else.  Of course you can "opt-out" anytime and you can even choose to have some more info emailed to you right now. 
Name:  
eMail:  
Phone:  
Please send "Editors Choice Award" article Experts video with Dr. Fred Skousen, PhD, CPA
Send Mortg Planner magazine article Video with company background




How the Money Merge Account™
program will SUPERcharge
your business:
 

 MMA Prospecting Tool...

Out of 100 people... how many will need your service in the next 90 days? 

How many ALREADY have a mortgage?

What would it do to increase your prospect base to ANYONE that already has a mortgage, or will get one soon?

The Money Merge Account™ program is the best prospecting tool for the mortgage, real estate and finance business that we have ever seen!

Use it to get your foot in the door with NEW clients... or to go back to past clients and start a conversation!


MMA Business from old/existing files...

How many clients do you have in your files, just from the past 2-3 years?

How valuable would it be to have a SIGNIFICANT reason to call those customers and start a dialog?

Getting on the phone to past clients will...

  • Increase REFERRALS
  • Dig up new Re-Fi business that was not possible before
  • Generate income through program commissions now, and...
  • Increase your mortgage business forever!

"Turn your tables" faster...  Cycle!  If just 50% of your existing files are going to buy another home in the future and, if you could get this program in front of them, and get just HALF of those 50% on the Money Merge Account™ program... you have now accelerated those clients ability to buy their next home from the average of 5-7 years... to just 2-4 years.  Wouldn't that alone increase your existing mortgage business by 12.5%?


MMA Increase Re-Fi business...

In your dialog with a client , once you show them how they can pay off their home in as little as 1/2 to 1/3 the time (withOUT refinancing their existing mortgage), why not run a separate analysis to see if refinancing into an interest-only loan to consolidate debt would be an additional benefit?

"This strategy is allowing our officers to close up to 3 separate, commissionable deals with each client; a cash-out refinance, a HELOC and commission from the sale of the Money Merge Account™ program."   

...Thomas Quann III, President, Stonegate Mortgage


MMA Create an additional income stream...

People are interested in saving money, eliminating debt and building equity in all markets.  Of course, even more so in a down market.  This is the "market of the moment" and there has never been a better time for the Money Merge Account™ program.

The commission structure for the Money Merge Account™ program is based on a traditional insurance industry payout... commission, bonus pools for volume sales (3 sales per month) PLUS over-rides on the sales of other Agents you have brought into your team. 

Get motivated and on the proven 90-day to Branch Manager path.   This is possible to do full, or part time, in conjunction with your existing business.  Income is dependant upon your own efforts of course... just like your mortgage business... you have control of your success.

Are you the OWNER or SALES Manager? 

Then what you want to do is sign up your company, or yourself, and then bring all your LO's on board under you.  This way their over-rides go to you, and you will be earning money by helping them, and the COMPANY succeed... just like you do already!

The tools are here... training - marketing - and with TeamSue - even leads.  The only ingredient missing... is YOU!


MMA Set up a FREE telemarketing department

Because it is simple to split UFirst™ commissions, you can create a free telemarketing department, funded by UFirst™ commissions!  Simply advertise for "Professional salespeople/telemarketers, commissions $450-$1500, no license needed, we will train."  Then, hire the best of the best, put them at your empty desks and phones, turn them loose on your client files and watch your business grow!  Each UFirst™ sale is split between they and you... and yet all the referrals and residual business they generate for your core business goes back to you!  See what one of the top Insurance Marketing Organizations did using UFirst™ as a marketing tool. 

Click: http://www.TeamSue.designingfutures.tv
then click on "Business" and watch the 2nd video.


MMA HELP your customers get OUT of debt...

Let us face it... debt is one of the biggest problems the average American faces today.  We are in a negative savings mode and people's lack of financial stability trickles down into other areas of life and society.

What is the number once cause of divorce? ...Financial issues. 

What is the number one cause of health related issues?  ...Stress.

The number one cause of stress?  ...Money problems.

How much loyalty do you think you can create among your client base when you are the one that shows them a better way? 

When your clients have more money... they can afford to invest in more real estate, their next home can be bigger and better.

A financially- holistic approach to your mortgage business is good for your clients... good for society... and good for you!
 

MMA Help clients qualify: improve FICO and DTI

Do you have clients that are having a hard time qualifying due to low FICO stores or too high a debt to income ratio? 

Let's face it... when we run across clients who can't get their dream home it's disappointing to us, and heartbreaking for them.  But if we just send them away, without a plan of action, what are the chances their situation is going to be different 6 months or a year down the road?  

The root causes of the debt and low credit scores need to be addressed and the Money Merge Account™ could be a valuable tool to help your clients do just that.  Many of our clients report that within 6 to 12 months of being on the program, their FICO score improves by (on average) 50 to 100 points, sometimes more.

The program motivates clients to get a handle on spending, helps them pay down debt at a great rate, make better financial decisions and build a savings nest egg. 

Einstein said "Insanity is doing the same thing over and over and expecting a different result"   ...you can help your clients get that different result.
 

MMA Create loyalty...

How much loyalty do you think you can create among your client base when you are the one that shows them a better way? 

When your clients are able to free up more money for investments, or for their next home... who do you think they will come to?

There are numerous ways you can use the Money Merge Account™ program to build loyalty with your clients.  Some agents are donating a portion of commissions to non-profits.   You can use REFERRALS to reward your clients with CASH... something not possible with your mortgage business (see below)... in reality you may even think of ways that we have not yet!


MMA Increase referrals - referral fees OK with our "Referral-Agent" program!

You have many opportunities to increase referrals...

  • When prospecting
  • Through networking
  • When working "the deal"
  • After the sale

Simply using the Money Merge Account™ program when prospecting and networking has been shown to increase referrals... after all this is so new and revolutionary for most people... it is something they haven't heard a million times already... talk about standing out from the crowd!

During the sales process, many of our Broker-Agents find that clients are willing to invite other potential clients to their home for the appointment... thus increasing your productivity.  Also.. if you are comfortable with Public Speaking... your clients will help you invite others to group presentations.

REFERRAL FEES - OK!  In your regular mortgage business you cannot legally offer a referral fee because often laws require them to be licensed mortgage brokers themselves, right? 

You CAN for this... with our "Referral-Agent Program"!

Because the Money Merge Account™ program is simply a coaching and software system, you have the ability to turn your clients (or ANYone) into what we call "Referring Agents"  ...turning each of them into a marketing "arm" for your business!  This is a great deal for your clients... and for you, and is a strategic way to supercharge your business and provide you with a constant flow of referrals.

How do you do this?  Easy.  United First Financial™ allows you to SPLIT a sale with any other agent you want.  So... the first time your client refers a new client to you... have them sign up as an Agent themselves (cost is just $175 to do that), and then they can get credit for 1/2 a sale, plus 1/2 commission, for each referral/sale they send you from then on!

This makes dealing with referrals simple, easy, and legal.  United First Financial™ cuts the check directly to them... and sends them a IRS form 1099 for their income at the end of the year.

They are an official "Agent" ...just like you... only they don't have to sell the program... just turn over all their warm leads to you.  It's a win-win!

Of course this offers other benefits for your clients as well.  They may be employees in their "real' jobs... but as a United First Financial™ Agent they are self-employed... with all the tax deductions and advantages that means!  Of course, have them consult their tax advisor or other professional source for the tax advantages of being self employed and the deductions that will be available to them.

 


MMA Do business with clients your competitors can't...
MMA Do business with clients you couldn't help before...

Homeowners with low, fixed rate mortgages and no significant debt are not candidates for re-finance.  They may be clients of your competitors but they don't have anything to offer them, or even anything significant to talk to them about.

As a United First Financial™ "Broker-Agent"... YOU DO!

You have these types of clients in your own files don't you? 

With the Money Merge Account™ program you have a reason to go to those clients.  You can show them how to...

  • Pay off that mortgage in as little as 1/3 to 1/2 the time
  • Build equity faster for investment - maybe real estate?
  • Use the Money Merge Account™ program to build a real estate portfolio
  • Cash out re-fi for investment - if they are of the  "Missed Fortune," fully-leveraged mindset... the Money Merge Account™ program is a great tool to complement that strategy and is like putting their investment plan on steroids!


MMA "Missed Fortune? - equity on steroids...

Do you have savvy investor clients that don't WANT to pay off their mortgage?  That want to leverage that equity into other investments?

What would YOU rather do... leverage equity you paid 6% for... or equity you only paid 3% for?

The Money Merge Account™ program is perfect for the savvy investor client.   The end result is simply that equity being built is built using a lower effective interest rate... thus enhancing and optimizing the financial plan.

The software and coaching plan keep the client on track and motivated. 

You can...

  • Cash out RE-FI - put into an investment
  • Put client on a monthly investment plan which the program will remind them to stay on track with.
  • Free up more monthly cash flow to go to investment
  • Use the left over residual discretionary to accelerate the mortgage
  • Periodically pull more equity out for more investment

Recently Douglas Andrew, the "guru" of equity leveraging spoke out about the Money Merge Account™ saying that the Money Merge software was a perfect complement to his wealth building strategies.  Get Doug's books and learn how to help your more sophisticated investor clients.

 

If you are a Public Speaker and comfortable doing group presentations... do what many of our Broker-Agents and Financial Planner - Agents are doing... use the Money Merge Account™ program to create excitement and sizzle in your seminars!
 

MMA Homeowership Accelerator  - CMG?  ..a perfect fit!

Do you already represent a "first-position HELOC" mortgage product... such as CMG Mortgage?  If so... this is a "no-brainer" for you!

As you know, while CMG Mortgage is a great loan product, not all your clients are going to qualify for it.  In fact, according to Brooke Barnett, one of the nations top producers for CMG Mortgage, less than 10% of his clients could qualify for CMG... yet 70% DO qualify to do the Money Merge Account™ program.  This is what initially intrigued him about the Money Merge Account™ program... he saw it as a fall-back position and a way to prevent disappointing clients that did not qualify for CMG.

Once he brought it onboard though, and started working with it, he found it had other benefits as well. 

With CMG ...it is a loan.  So you cannot legally give a client a referral fee for sending you more business.  With the Money Merge Account™ program you can... by making your clients "Referral-Agents" (per the "Referral-Agent" program discussed above).

With CMG ...you you can have your LO's originating it, as well as yourself, as long as they are licensed.  With the Money Merge Account™ program you can bring ANYONE on board your team... no license required.

Because a RE-finance is not necessary for the Money Merge Account™ program, new clients are easier to approach.

Also... it can be difficult to convince a client, that has a nice low, fixed-rate mortgage that they should re-finance into a variable rate product that starts out with (on average) a 2% higher rate.  But the Money Merge Account™ program allows the homeowner to keep their low-fixed rate mortgage (an easier concept to start a dialog with), and just use the HELOC as a tool.

Of course, because the BULK of the principle is in a (on average) 2% lower interest rate loan product, that means (cash flow and circumstances being equal), the math of the Money Merge Account™ system & software is going to beat the results of a 1st position HELOC.

Bottom line though... no loan product or system is a one-size-fits-all.  Representing the Money Merge Account™ program along WITH a CMG type product is a perfect complement.  Offering a variety of solutions for your clients also provides more options for you!


MMA Don't sell? - just REFER!

OK... so you might be saying to yourself.... this is a great program, but do I want to split my time between originations and the Money Merge Account™ program?

You don't have too!

One of the coolest things about United First Financial™, as a company, is how forward-thinking they are.  I have never actually worked with a company that allowed a sale to simply be split between two  people.  United First Financial™ does.

Don't have time to sell it yourself?  No problem!  Just let us know that and we will hook you up as a "Referring-Agent", (such as we discussed above) and match you with one, or more, of  our other agents that has a proven track record.  You use the Money Merge Account™ program as a prospecting tool... then simply flip your warm leads to one of our "Selling/Consulting Agents."  They will sell the program, and you will get credit for half a sale and 1/2 the commission.

This sale-splitting works also well if you DO want to sell it... but want to develop your own strong referral sources.  Imagine just having a couple of tele-marketers to comb though your old files, set appointments, etc. 

Imagine turning all the REALTORS you know... into regular referral sources (through the "Referral-Agent" program) ... how about your title agents, home inspectors, maybe even your hairdresser!?

The ability to choose between SELLING & REFERRING is one of the best strategies I have seen!


MMA Commissions - what's the bottom line?

The bottom line is, well, unlimited.  The reason is that United First Financial™ has a compensation plan that is based on a common Insurance company pay-out.  In fact, very similar to what Traveler's Insurance used for 27 years.  What this means is that you earn money multiple ways...

  • Commissions
  • Bonus Pools - 5 of them
  • Over-rides on your Agents sales
  • Over-rides on your Branch Managers sales.

You might be saying to yourself...  this looks like multi-level marketing... is it?

More of a hybrid actually... talking the best parts from several business structures. 

Here's how we are NOT like traditional MLM...

  • You don't have to build a team to make serious money.  You can do it all through your own, personal sales.
  • You are not required to buy the product, to sell the product.
  • You do not make money by recruiting other Agents, only when they sell.
  • You can make money by simply referring - and splitting a sale with another agent.

Here is how we ARE like MLM...

  • Pay goes down multi-levels deep - six
  • Building a team grows income exponentially.
  • Create residual income not dependant on your own sales.
  • Money  - lots of it (and all by HELPING people!)

I have never seen a business where you can so easily make money by helping your clients do the same.  This is truly revolutionary and is going to be a paradigm shift in the financial world.

There are some technical things on the comp plan and, because we always want to be showing the most updated version I cannot post it here. 

However if you have a question, or would like to see it first... contact me at 407 .443 .0348 or Sue@TeamSue.com.  Trust me though... you will be VERY happy... income is more than generous, and success is dependent on your own efforts... and thus, is in your control.   Want to jump-start?  Our "90-day Path to Branch Manager" has been proven to work!


MMA HOW to sign up - just $175 one-time cost!

Now you are wondering... HOW DO I GET STARTED?

It's a snap.  To sign up just go to the link below and click on "REGISTER NEW AGENT."  It is only a $175, one-time fee, and you get a complete turn-key system for supercharging your business!  Most of this is completely free, some (like live events/trainings & DVD/books) have a small, nominal charge to cover costs.

NOTE:  If you were directed to this page by a United First agent other than Sue Copening... please go back to them to register as an agent.

Register with Sue: http://www.Channel3said.com
Click on: "New Agent Registration"

TRAINING includes:

  • Webinars
  • Podcasts (like this: click)
  • UFirst™ University Certification (click)
  • Training Websites
  • U1st Blog Site
  • LIVE events and Seminars
  • DVD's & books

MARKETING includes:

  • Brochures
  • Business Cards
  • Replicated web sites (like this: click)
  • DVD's
  • Online videos
  • Third party media coverage
  • Lead generations
  • CRM software
  • Drip email system
  • Video tracking system

There are "Agent Policies and Procedures" to read and agree to, when you register, There is also an "Agent Training Manual."  If you would like to see this, or simply have some questions you would like to ask, before you register... just contact our Vaimberg - UFirst™ liason:

Sue Copening
Branch Manager - Indep Agent
United First Financial™

407 .443 .0348
Sue@TeamSue.com
!

*References to "referral fees" are actually split-sales with the "Referral Agent" referring the client and the "Consulting Agent" selling and servicing the client through the set up process.  Anyone can become a Referring agent regardless of sales experience, and with no licensing issues.

NOTE:  United First Financial™, its agents and subsidiaries provide Internet web based software and support services. United First Financial™ does not provide accounting, tax, legal, real-estate, mortgage, or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial™ is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account™ Limited Guarantee.