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.

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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.

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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.

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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.

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Buying a Home

why 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. 

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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. 

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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. 

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Buying a Home

7 First Time Home Buyer Mistakes

A lot of first-time home buy¬≠ers make the same mis¬≠takes. So, before you buy that wel¬≠come mat, here are 7 things to avoid when buy¬≠ing your first home. 

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Buying a Home

Should you use a home equity line of credit for debt consolidation?

Debt con¬≠sol¬≠i¬≠da¬≠tion can be a good option for home¬≠own¬≠ers who want to pay off debt. A Home Equi¬≠ty Line of Cred¬≠it (HELOC) can help home¬≠own¬≠ers pay off debt with a low¬≠er inter¬≠est rate than a cred¬≠it card and inter¬≠est-only min¬≠i¬≠mum payments.

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Buying a Home

10 Tips for a First Time Home Buyer in the Bay Area

When it comes to financ¬≠ing a home for the first time, you might have a lot of ques¬≠tions. Here are some things to con¬≠sid¬≠er as you go shop¬≠ping for your new home.

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Buying a Home

Should You Refinance Your Mortgage?

There‚Äôs a lot of talk these days about refi¬≠nanc¬≠ing your mort¬≠gage. Inter¬≠est rates are low, and it could seem like the right time. Here are some things to con¬≠sid¬≠er before you make that decision. 

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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. 

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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.

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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. 

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