New ATM in Brokaw
Hurray! We're excited the new Brokaw office ATM has arrived! It is up and running, so when you're on the north end, you're invited to come and check it out!
Save Money Each Month: Refinance Your House
You might be one of roughly 6.5 million Americans who could benefit from refinancing your home according to the Mortgage Monitor Report from Black Knight Financial Services.
About three million borrowers could save at least $200 a month by refinancing. By refinancing and locking in a better rate on your loan, you could reduce your monthly payment and save thousands of dollars in interest on the life of your mortgage. A lower interest rate also could allow you to build equity in your home more quickly.
If you're considering refinancing, BCU will run a copy of your credit report, and will need to obtain other items such as:
When you refinance, you close your existing mortgage and create a new one. The approval process to refinance is similar to the process of obtaining your original loan. The specialists at BCU will consider your income and debt, credit score, and other factors affecting your financial situation.
Your new interest rate will be based primarily on your down payment and credit score. When considering a refinance, you also want to understand your break-even point: Weigh the costs of refinancing against how much you’ll save each month to know when you will recoup costs over the length of your new loan.
Call Cheryl, our home loan specialist at
How to Strike a Deal on a Used Car
You've found the car of your dreams, and it's time to strike the deal. Dealers and some private sellers have a lot of experience negotiating, but you likely don't. Arm yourself!
Before you negotiate:
Decide ahead of time that you'll leave if you get tired or hungry. Your hunger and fatigue are power chips for the seller.
Your power chips are endurance and a willingness to walk.
Are you ready? Let the negotiations begin!
300 Everest Ave
2006 Schofield Ave