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NASA FCU Offering $0 Down Family Mortgage Loan

NASA Federal Credit Union logoOwning a home is a dream for most young adults, but it can be a challenge to meet the stringent requirements set out by lenders that include hefty down payments, private mortgage insurance and closing costs. While some mortgage providers still follow conventional rules of thumb as it relates to the amount of money necessary to buy a home, other lenders have developed programs meant to ease the financial stress of getting into a new home. Combined with a low interest rate market, young adults without the traditional 20% down payment saved have an opportunity through these bank and credit union mortgage programs.

Posted on September 3, 2015 by Melissa

Golden 1 CU (CA) Offering 1% Cash Back Auto Refinance Loan

Golden 1 Credit Union logoWhen it comes to purchasing a vehicle, one of the most important aspects of the search is finding the right financing. While dealerships often provide incentives to use their in-house lender, acquiring an auto loan through your bank or credit union is typically a more affordable, flexible choice. Banks and credit unions that offer new and used vehicle financing also offer services for refinancing, which can be beneficial to owners who either accepted a dealer loan at the time of purchase or did not have exemplary credit when the vehicle was bought. Refinancing can be an excellent way to reduce your total interest payments, lower your monthly payment, or eliminate months off your current vehicle loan.

Posted on August 31, 2015 by Melissa

Tropical FCU (FL) Offering Fixed Rate Mortgage Loan with No Closing Costs

Tropical Financial Credit Union logoPurchasing a new home comes with a number of considerations, including monthly mortgage payments, home location, and potential resale value. Prospective homebuyers must also consider the expenses associated with applying for and closing on a new mortgage, collectively known as closing costs. While the current interest market is presenting an opportunity for individuals to lock in affordable mortgage payments that fit well within their budget, closing costs are often a hurdle to making the purchase process truly affordable. Fortunately, certain mortgage lenders are providing incentives to homebuyers to help with these expenses.

Posted on August 27, 2015 by Melissa

TD Bank Offering Free Android Phone to Personal Loan Applicants

TD Bank logoExpenses in life can often far outweigh what we have available in checking or savings accounts, creating the need for borrowing on a small or even large scale. Fortunately, personal loans available through banks or credit unions provide a manageable way to achieve the financial needs or goals that come up in life. Additionally, personal loans typically provide flexible terms for repayment and competitive interest rates, making them more affordable than credit card debt. A personal loan can be used for funding a family vacation, consolidating higher interest rate debt, financing renovations around the home or simply creating a buffer in a checking or savings account for a period of time. Regardless of the need for the personal loan, some financial institutions are offering additional perks to customers who are ready to apply.

Posted on August 24, 2015 by Melissa

Commerce Bank Offering 2.99% Introductory Rate on HELOC for 6 Months

Commerce Bank logoHaving equity in your home is a powerful financial tool, as it can be used to cover a number of life’s big expenses. Whether you’re looking to take the family on a beach vacation, pay for higher education costs, renovate your living space or consolidate higher interest rate debt, a home equity line of credit offers a level of flexibility not found with conventional loans. While interest rates and fees vary from bank to bank, the current low interest rate environment presents an opportunity to secure an affordable rate on a new home equity line of credit.

Posted on August 20, 2015 by Melissa

How to Remove a Credit Fraud Alert from Each of the 3 Major Credit Bureaus

Word identity fraud and credit cardIn an era where identity theft and fraudulent credit activity is prevalent, it is imperative that consumers have tools to keep their financial lives protected. In recent years, the three major credit bureaus – Equifax, Experian and TransUnion – along with the federal government have implemented steps that consumers can take to help safeguard their personal information. The first line of defense against the fraudulent use of your personal information is placing a credit fraud alert on your credit file before or shortly after you are the victim of identity theft.

Posted on August 17, 2015 by Melissa

Pioneer Bank (TX) Offering $250 Closing Cost Discount on Mortgage Loan

Pioneer Bank Texas logoThe process of finding a home to purchase is an exciting journey for most homebuyers, but securing the right financing can be a challenge. In addition to being financially prepared for a new mortgage payment commitment, funding the ancillary costs that are inevitable in a new home purchase or refinance presents an obstacle for some. Not only is a down payment required; homebuyers must also be ready to pay for closing costs not covered by the bank, credit union or seller.

Posted on August 13, 2015 by Melissa

How to Lift a Credit Freeze from Each of the 3 Major Credit Bureaus

Credit puzzle piecesIdentity theft has been a growing concern for consumers over the past decade, as more activities become Internet-based. Shopping, banking and applying for credit can all be done online, making it a challenge to fully protect yourself from the malicious intent of identity thieves. However, there are tools in place meant to protect you from having your information used for the benefit of someone else, including a credit freeze.

Posted on August 10, 2015 by Melissa

Fremont Bank Offering 10yr 2.99% Mortgage Loan with No Closing Costs

Freemont Bank logoWhether you are a first time homebuyer or seeking out your next home to purchase, searching for a place to call your own can be an exciting journey. In the current housing market, there are numerous properties available for sale, and buyers have an opportunity to take advantage of low interest rates on a variety of mortgage terms. For qualified buyers, either the seller or the financial institution underwriting the mortgage terms may even offer assistance with closing costs, making the purchasing process that much more beneficial.

Posted on August 6, 2015 by Melissa

How to Place a Credit Freeze with the 3 Major Credit Bureaus

Gold credit card with key lockWith the rapid influx of online businesses and the availability to do everyday tasks such as banking, shopping and investing through Internet-based platforms, there has been a rise in the occurrence of identity theft and financial fraud among consumers. It can be a challenge to fully protect your personal information online, but there are mechanisms in place to help prevent an identity thief from using stolen data for their benefit. One of the most effective tools in identity theft protection is a credit freeze.

Posted on August 4, 2015 by Melissa

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.00%
    Low Interest Rate:11.62%
    Balance Transfer:14.12%
    Cash Back:15.27%
    Instant Approval:18.00%
    Bad Credit:22.73%
  • Mortgage Rates

    Courtesy of