Should You Use Your Mortgage for Debt Consolidation?

When interest rates are low, it makes good financial sense to consolidate debt. Here is what you should consider before you refinance your home to merge all your bills into one.

Banks vs. Credit Unions for Personal Loans

Personal loans  are generally used for a variety of things like education, starting a business, going on a vacation or medical expenses. When looking for a personal loan, banks are usually the first stop people make. However, credit unions offer personal loans as well, often at lower rates and longer terms.

What does timing have to do with your home search? Should you hurry up and buy now, or wait? We Florida Financial’s First Time Home Buyer Program is perfect for people who are looking for affordable home financing, whether it’s now or later. 

Home Financing Help: The Professional Difference

When it comes to home financing, industry professionals are in a better position to help first time home buyers make informed decisions about a mortgage, loan, and other matters. Turn to us for help with either of the following home financing concerns:

Yes, you can fit financial education into your day.

Have you seen the commercial where the couple runs out to sweep the gutters, wash the dog and do everything possible to avoid a financial discussion? Looks familiar? It does to me. I, like many other adults, am guilty as charged. It’s just not pleasant to look at a spreadsheet. Let’s face it. It’s not cool. It’s not sexy.

Home Refinancing: Increasing vs. Decreasing Your Mortgage Term

When it comes to home refinancing, homeowners generally have two options—changing the rate or the term of their mortgage (or both). One isn't necessarily better than the other, as the benefits and advantages will depend on the borrower's goal and current financial standing.

Banks vs. Credit Unions: Which is Better for Home Loans?

If you're looking for a home loan, chances are you may have thought of going to your local bank. This is probably common practice for most of us. However, there are alternative organizations like credit unions that offer home loans. 

Here are some of the reasons why credit unions fare better than banks:

Are you ready for the new school year? Whether you are gearing up for new school supplies, planning to move to campus for freshman year, or entering grad school, you are most likely confronting the issue of how to pay for school. There are a variety of options when it comes to financing education. 

School is out and summer has begun. It’s a season of graduations and new beginnings for young people across the country. The financial burden of college is a popular topic among recent high school and college graduates. Even the most financially stable young adults find themselves seemingly overwhelmed with bills. Everyone seems to have some advice to give, but one of the simplest ways to successfully save for college is simple: stick to a plan.

Set Sail in Florida with Boat Loans from We Florida Financial

As one of the premier boating destinations in the country, Florida residents can set sail any time of year. We Florida Financial offers boat loans with competitive rates so you can enjoy the open water, affordably.

School is out, summer has begun, and families all over the country are beginning to make summer vacation plans. Have you thought about making plans, only to get disappointed over the cost? Maybe you’d like to upgrade to a bigger, more elaborate vacation to an exotic destination. Maybe you’d like to bring along another member of the family, but just don’t have the funds. Make your summer vacation a little better with some thrifty advice from We Florida Financial.

It’s not very often that we get to treat ourselves to a vacation, so when we do, we tend to splurge on expensive hotels, high-end restaurants, and memorable souvenirs. With summer quickly approaching, many of us are left unsure of how we will be able to afford to get away for a summer vacation. Thankfully, there are plenty of ways to start saving, budgeting, and planning for your next vacation.

If you’re a first-time home buyer, you may have heard the term “gift letter” when you started to think about getting a mortgage. It sounds too good to be true. Someone can give you a gift to help you buy your first home. How does it work?

Maybe you thought about making a New Year’s resolution to save more. If you did, you’re not alone. Forty five percent of Americans “usually” make a resolution, according to research from the University of Scranton. The same data suggests that only 8% of people are successful in achieving their goal. Don’t let that discourage you. It’s tax season. If you’re getting a tax refund, here are some suggestions to help you reach your savings goals.

People helping people. These are not just words to us. For over a decade, We Florida Financial employees have dedicated ourselves to our home grown and self -funded Community Concerns Committee.

Whether you're a first-time home buyer, downsizing, trading up, or refinancing your current mortgage, you will have plenty of questions on finding the right lender. Choosing to refinance your home or enter into a new mortgage is not always an easy process, but having the support of a good lender will make the process easier.

You've got your eyes set on a beautiful house near to where you live now, and you know it will make a good family home. Your next order of business is to find a lender that specializes in home loans. Since this is your first time purchasing a house, we recommend you consider We Florida Financial for your home loan.

Sensible Savings Tricks During the Holidays

The holiday season is filled with extra expenses including travel, decor, food, and gifts. The average American spends about $1,000 on holiday expenses. Spending that kind of money at one time can be tough on your budget.

Make a budget

Plan your holiday shopping before you head to the malls this year. Gifts can really add up, leaving you with a hefty bill at the end of the season. Budgeting will help you avoid the temptations of last-minute impulse buying.

Kids have been back in school for nearly three months learning math, science, and history. Learning financial responsibility starts at home - and it’s a lesson best begun early. If you’re not sure where to begin, here are 6 lessons to teach your kids about money to help them become responsible adults.