Posts in category 'Tips For Buyers'

If we all lived in a vacuum-sealed world where our minds and emotions didn't affect our finances, saving money and lowering debt would be a whole lot easier. No bad days to trigger junk food binges, no impulsive vacations, and no mid-life-crisis shopping sprees.

But our minds and emotions do impact finances, even for the most money-savvy. The trick, then, isn't just identifying your own bad money habits — it's finding small ways to tweak those habits in the long run. That way, you're not just lowering your debt; you're empowering yourself to take control of your finances for good. Here's how to do it....

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In one way or another, we're all chasing the American Dream. Not the white picket fence per se, but the sense of security that comes with it. You know, the relief of paying your bills on time. The pride that comes with covering your kids' tuition. The satisfaction of owning a home you love.

That's the American Dream. And it's expensive. The good news is you may have more buying power than you think. With a Home Equity Line of Credit (HELOC), you can borrow against your home's equity to access extra funds, often tens of thousands of dollars.

You can bet that kind of power can lead you closer to your own American Dream … or further from it. We're here t...

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When faced with an important decision, which route do you usually take: the tried-and-true option or the one off the beaten path?

Believe it or not, your answer might affect your homebuying strategy, particularly when choosing a mortgage. Fixed-rate mortgages are time-tested and traditional, while adjustable-rate mortgages (ARMs) offer more flexibility and potentially lower rates.

But which mortgage is best for you? Stick with us to learn the differences between fixed rates and ARMs, plus the ideal buyer for each.

At a Glance

• ARMs start with lower interest rates than...

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One of the biggest struggles in the Idaho home buying market right now is affordability for the first-time home buyers. Lenders are scrambling to find ways to help more buyers qualify for a mortgage and Idaho Central is excited to announce our 40-year First Time Homebuyer loan.

An Idaho Central Credit Union 40-Year First-Time Homebuyer 100% Financed Loan* is designed for lower household income first-time homebuyer(s). This fixed-rate loan offers a longer term which equates to lower monthly payments. Product highlights include 100% financing*, No monthly PMI, Gifted funds allowed, and local underwriting and loan servicing.

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Putting on a garage sale may seem like a pretty straightforward task. However, spending a little extra time and attention to a few details may make the difference between turning your unwanted clutter into fast cash or a fast flop.

Get the Word Out

Advertise early and everywhere! Place ads in Craigslist, local newspapers and all social networking sites you can think of. Most communities have Facebook Groups specifically catered for local garage sales. Create flyers and place these on bulletin boards in schools, offices and grocery stores. Make sure to start advertising at least one week ahead of time.

Start Early

Instead of starting on Saturday, start your sale on Friday. A lot of people have Fridays off or will stop by at lunch or on...

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