BUYING A HOME

Learn all about homeownership

If you're thinking about buying a home, new to homeownership, or want to learn how to tap into your equity, these articles can help answer your questions.

Explore Buying a Home

Buying a Home

5 Reasons to Use a HELOC

So you‚Äôve opened a Home Equi¬≠ty Line of Cred¬≠it, what can you do with it? Here are 5 ways to use your HELOC. 

Learn More

Buying a Home

What Is Private Mortgage Insurance?

When apply¬≠ing for a home loan, it‚Äôs impor¬≠tant to know how pri¬≠vate mort¬≠gage insur¬≠ance can impact the home buy¬≠ing process. Buy¬≠ing mort¬≠gage insur¬≠ance can low¬≠er your down pay¬≠ment, leav¬≠ing you cash to spend on oth¬≠er costs of buy¬≠ing a home such as mov¬≠ing expens¬≠es and repairs.

Learn More

Buying a Home

How Long Does it Take to Buy a House in the Bay Area?

Tired of rent¬≠ing? Learn about the steps to buy¬≠ing a house in the Bay Area, how long it takes, and how to speed up the process. 

Learn More

Buying a Home

Do You Need a 20% Down Payment?

Learn about down pay¬≠ments and how they impact your home pur¬≠chase. Do you real¬≠ly need 20% down?

Learn More

Buying a Home

Home Buying Made Easy with HomeAdvantage

Whether you‚Äôre search¬≠ing for a home, look¬≠ing for a home loan, or try¬≠ing to sell your cur¬≠rent home, Home¬≠Ad¬≠van¬≠tage‚ĄĘ sim¬≠pli¬≠fies the process, sav¬≠ing you time and mon¬≠ey. And it‚Äôs free for our members.

Learn More

Buying a Home

Why the Loan-to-Value Ratio Matters

When apply¬≠ing for a loan, it‚Äôs impor¬≠tant to under¬≠stand the loan-to-val¬≠ue ratio: what that means and how it impacts what you can bor¬≠row and at what inter¬≠est rate.

Learn More

Buying a Home

Should You Use a Home Equity Line of Credit for Home Improvement?

A Home Equi¬≠ty Line of Cred¬≠it (HELOC) can help home¬≠own¬≠ers finance a home improve¬≠ment project with a low¬≠er inter¬≠est rate than a cred¬≠it card and inter¬≠est-only min¬≠i¬≠mum pay¬≠ments. In some cas¬≠es, there may be tax benefits.

Learn More

Buying a Home

Why the Debt-to-Income Ratio Matters

Lenders con¬≠sid¬≠er a lot of fac¬≠tors about your mort¬≠gage appli¬≠ca¬≠tion. Your debt-to-income ratio is a key fac¬≠tor in deter¬≠min¬≠ing inter¬≠est rates, terms, and even approval itself. 

Learn More

Buying a Home

11 Things to do Before Buying a House

Buy¬≠ing a home is an excit¬≠ing time and a huge achieve¬≠ment. Before you buy that wel¬≠come mat, here are 11 things you should know and do. 

Learn More

Buying a Home

Bay Area First Time Home Buyers

Buy¬≠ing your first home is an excit¬≠ing mile¬≠stone. But the Bay Area real estate mar¬≠ket can be intim¬≠i¬≠dat¬≠ing. Here are some things to know and do before you buy your first home. 

Learn More

Explore More

Buying a Car

Online Car Loans in San Francisco

Get a car loan from home. Shop for cars and car loans online quick¬≠ly through the Cred¬≠it Union Direct Lend¬≠ing program. 

Learn More

Investments

Investing 101

The invest¬≠ment land¬≠scape can be extreme¬≠ly dynam¬≠ic and ever-evolv¬≠ing. The first step is learn¬≠ing to dis¬≠tin¬≠guish dif¬≠fer¬≠ent types of invest¬≠ments and their indi¬≠vid¬≠ual risks.

Learn More

Personal Finance

9 Ways to Master Your Money

Are you tired of mon¬≠ey prob¬≠lems run¬≠ning your life? Don‚Äôt wor¬≠ry, you‚Äôre not alone. Here are 9 ways to mas¬≠ter your mon¬≠ey. Stop wor¬≠ry¬≠ing. Start get¬≠ting ahead. 

Learn More

Discover More

Hannah & Martin, SFUSD supporters.
Putting them first since 2017.
PLATINUM VISA CREDIT CARD

Get the low-fee card that pays you back

Our fee-friendly Platinum Visa Credit Card also comes with rewards, travel benefits, and a low APR.

Learn More
Hannah & Martin, SFUSD supporters.
Putting them first since 2017.
Thomas, Rugby Pro.
Putting him first since 2010.
LOANS

Help when you need it

We treat you like a person, not a number. Discover our simple application process, attractive interest rates, and responsive service.

Learn More
Thomas, Rugby Pro.
Putting him first since 2010.