Category: Homes & Loans

ILFB Annual Meeting Micro-Talk: Credit

[ 0 ] December 28, 2015 |
ILFB Annual Meeting Micro-Talk: Credit

Just a few weeks ago, we attended the Illinois Farm Bureau Annual Meeting and held two Micro-Talks. One of them was titled “What the Heck Is Credit?” and was created to help you learn more about your credit score, how it is calculated, and how to take care of your credit. To summarize the Micro-Talk, […]

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IAACU an Alternative to Payday Loans

[ 0 ] April 6, 2015 |
IAACU an Alternative to Payday Loans

Payday loans are big business — $7.4 billion annually, according to research from the Pew Charitable Trusts.  Each year 12 million Americans take out these loans from storefront locations, Web sites and even banks.  An article I recently read, which warned of the dangers of payday loans, was actually sponsored by three payday lenders!  Why?  […]

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Your Credit Union – The Best Home for Your Home Loan!

[ 0 ] April 16, 2014 |
Your Credit Union – The Best Home for Your Home Loan!

You’re buying a home and looking for mortgage financing.  You want the best rate of course and good service.  But where do you start? If you’ve always suspected that the credit union is the best place for a mortgage loan, you were right!  Here’s why: You know us.  Because you’re a member, you know who […]

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When You’re Thinking of Buying a Home, What You Don’t Know Can Hurt You!

[ 0 ] April 3, 2014 |
When You’re Thinking of Buying a Home, What You Don’t Know Can Hurt You!

Buying a home can be a confusing and intimidating process.  Offers, counter-offers, closing dates, contingencies…. Getting a mortgage for that new home can be even more intimidating.  Credit checks and scores, references, appraisals, closing costs…. It’s the kind of transaction where it’s easy to feel like you don’t know enough.  Where you’d like some expert […]

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Home Equity Loans to the Rescue!

[ 0 ] March 24, 2014 |
Home Equity Loans to the Rescue!

Everyone knows that it’s been one of the roughest winters in recent history across the entire country.  It has left a lot of damage in its wake…leaky roofs, crumbled cement on sidewalks, ponds of standing water where back yards used to be.  In other words, homes are a mess after this winter, and many people […]

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Steps to Buying a Home….by Haleigh Copley

[ 0 ] November 28, 2012 |
Steps to Buying a Home….by Haleigh Copley

When looking for a loan to buy a house the process can sometimes be confusing. There are applications and forms to fill out, among other steps to take. When I started looking into loans for a new home I felt out of my element. I wasn’t sure how to even begin the process let alone […]

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Pre-Approval versus Pre-Qualification

[ 0 ] October 16, 2012 |
Pre-Approval versus Pre-Qualification

A realistic understanding of how much you can expect to qualify for is a good first step toward the goal of homeownership.  The letter of pre-approval can be just that to make it happen.  There is a difference between a letter of pre-qualification and a letter of pre-approval, and it’s important to know the difference. Pre-Qualification […]

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House Hunting? Steps to take before you begin.

[ 0 ] October 4, 2012 |
House Hunting?  Steps to take before you begin.

When choosing a new mortgage to buy a home, get the best loan for your personal situation.  Here are a few steps to take before beginning your home shopping: Get your free copy of your credit report at https://www.annualcreditreport.com , and notify the credit bureaus of any errors in the credit report you receive. Before […]

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