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Is Now The Time to Refinance Your Mortgage?

Whether you want a lower interest rate or the predictability of a fixed rate loan, homeowners are asking when the right time is to refinance their mortgage loan. Refinancing replaces your current mortgage with a new mortgage that has different terms. Follow these tips to find out if refinancing makes sense for you.   Concerns about your …

Five Reasons to Have a Home Inspection Before You Buy

The journey to home ownership is intense. The search, the offer, the negotiations and the paperwork. It might be tempting to skip out on the home inspection, but that would be a major misstep on your part. The buyer is responsible for paying for the home inspection, and depending on the size of the home, you’ll need to fork over about $300 to …

How to Tell You're Ready to Buy a House

Making the decision to become a homeowner is emotionally and financially complex. Here are some key things to ask yourself if you’re considering whether buying is right for you. Do you have a good reason to buy? Sometimes switching from renting to buying is a no-brainer. Maybe you live in a modern one-bedroom apartment in a chic part of town, …

Choosing Debit vs Credit

When making a purchase using your debit card, you're often given the option to choose "credit" or "debit." Either will enable you to make a purchase (transactions are automatically deducted from your Checking Account), but there are some key behind-the-scenes differences that will help you make your decision.   Credit Option You must …

The Benefits of a Share Certificate

If you're fortunate enough to have some extra savings and want to earn higher dividends than a regular savings, checking or money market account, consider a share certificate. A share certificate account is similar to a certificate of deposit (CD), but it is issued by a credit union, rather than a bank. You cannot withdraw your funds during the …

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