Tipping Basics
Tipping etiquette is something that varies from situation to situation and can be an area of confusion for many people. It has been around since before the 1860’s in the United States with unknown ori...
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Accepting credit cards, the pros, and cons
As businesses continue to evolve and move to a more digital platform, some are having to decide whether to accept credit cards and how to accept credit cards. Unlike with cash, accepting credit cards ...
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Did you know about our Community Heroes Program?
There are many people in our communities that give up so much to help others every day. These individuals, in many cases, put their lives on the line to be there when you need them most. These individ...
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Conventional vs. Rehab vs. Land & Construction
When you begin your housing search many people and resources ask you the question of which mortgage can you qualify for. However, did you know that there are restrictions that can be applied to the ho...
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Fixed vs. Adjustable Mortgage
When you are applying for a mortgage, you will need to pick between a fixed-rate or adjustable-rate mortgage. These two different mortgage types are based on what kind of interest you will be paying o...
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15-Year vs. 30-Year Mortgage
Trying to decide between a 15-year and a 30-year mortgage? Here are some tips to help you pick which direction might be best for you. Both the 15-year or 30-year mortgage have pros and cons for buyers...
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What paperwork do I need for the mortgage process?
As you begin the mortgage application process it is difficult to know what to expect, especially for a first-time homebuyer. During the mortgage application process there are many documents your lende...
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How do I know if I should Refinance?
Deciding when it is best for you to refinance can be a very difficult decision. The first thing one must decide before even considering whether you should refinance, is why you want to refinance. Refi...
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Building a Budget for a Savings Goal
Do you have a specific goal in mind for your financial future? Was your New Year’s resolution to save for a mortgage, a fancy vacation, pay off debt, or create an emergency fund? If it was or you are ...
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What impacts what I pay month to month for my home?
For most people, your mortgage and home expenses are the largest part of your budget. Depending on how much wiggle room you gave yourself, any changes in those expense can either drastically impact yo...
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Closing Costs, the forgotten expenses.
Many buyers typically overlook how much needs to be saved for the many fees due when purchasing a home. These fees include closing costs (one-time transactional fees), escrow fees (for continued expen...
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How much do I need for a down payment?
When you are buying a house for the first time it is hard to determine how much you will need stashed away. There are two main things that you will have to save for in advance when buying a home, the ...
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I am a first-time homebuyer, where do I start?
Purchasing your first home can be a challenge to navigate and understand. Instead of walking straight into the labyrinth, let us give you some pointers on where to begin the mortgage process. The firs...
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Why Choose a Credit Union as My Mortgage Provider?
Many people do not know all the benefits that are available from their financial providers. So why should you choose a credit union over a bank for your mortgages? Let us start by explaining the diffe...
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