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Helping you stay financially savvy.

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Homeowner Tips | Relocating vs. Renovating

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When you’ve outgrown your home or are in need of an update, you have two options: renovate or relocate.

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5 Reasons to Refinance Your Mortgage

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Refinancing. You hear the term in the media almost every day especially in this low rate environment. Refinancing means paying off your existing mortgage with a new one. Should you do it? Consider these five reasons why refinancing may be right for you.

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5 Ways to Spend Less on Food

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When it comes to our finances, most people underestimate just how much they spend on food.  And while we can get rid of other expenses, food is the one line item that we cannot eliminate. We can however, spend a lot less with a bit of thought and planning.

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The End of the Home Equity Loan Interest Deduction – What Does It Mean For You?

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As the saying goes, all good things must come to an end. Homeowners have been able to deduct interest paid on home equity loans and lines of credit for decades. Thanks to the new tax law, that deduction is now gone.

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Home Loans: What are Your Options?

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We Florida Financial provides four types of home loans to cater to the different needs and situations of our members.

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Mortgages in Florida

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Reasons To Be Optimistic About Mortgages in Florida

Home prices in Florida are steadily rising. This means it's a more advantageous period for buyers who want to buy or swap homes, especially compared to market conditions years ago. For mortgages in Florida that suit every type of budget, We Florida Financial is a trusted name among credit unions in the area.

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Mortgages: Should you go for a fixed rate or adjustable rate?

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Why Should I Switch to a Fixed Rate Mortgage? Or Adjustable?

Generally, mortgages can be categorized as fixed rate and adjustable rate. As their name implies, fixed rate mortgages will mean you have a fixed interest rate and steady monthly payments. An adjustable rate mortgage means your monthly payments could change if interest rates change.

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Buy Your Retirement Home Before You Retire

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If you’ve been thinking of buying a second home, you may not want to wait much longer. You may have heard that mortgage rates are expected to rise this year, which means waiting could cost you. Securing a mortgage for your second home now, while rates are low, means you can buy more home for your money.

If retirement is in your 5 to 10 year plan, you may be starting to think about buying your retirement home now. Or, you might want to buy a second home as a vacation home for your family. Either way, now is a good time to buy.

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First Time Home Buyer Loan: Maximizing Your Budget

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How-to's for the First-time Home Buyer: Getting a Loan and Staying Within Budget

If you're a first-time home buyer, a loan may already be on your to-do list. Here are a few helpful tips to help you through the process:

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Live in Your Dream Home with the First Time Home Buyer Program

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We Florida Financial's First Time Home Buyer Program was designed to help first-time home buyers navigate the entire real estate financing process.

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How To Know If You Should Refinance Your Mortgage

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How do you know if you should refinance your mortgage? If you think that the refinance wave has passed you by, think again. Mortgage rates are only slightly higher now than the bottomed-out low rates we saw a few years ago.

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First Time Home Buyer Mortgages

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First Time Home Buyer Mortgages: Mistakes to Avoid

One of the most common mistakes of first time home buyers is underestimating the true cost of home ownership. Unfortunately, this mistake isn't exclusive to first time home buyers. Mortgages in general can be difficult to navigate without guidance, which is why We Florida Financial's mortgage loan officers are always ready to assist members to choose and understand their mortgage options.

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Social Team

Florida Home Loans: A Must-Do List

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What You Need for Florida Home Loans

Florida is a great state to live in. Naturally, you’d want your own house to come home to. And unless you can pay for one in full, that means applying for a Florida home loan.

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Home Financing: Build Your Home's Equity

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You’ve closed on your new home and moved in. That’s it? Not necessarily. Protecting your investment and building equity should be next on your agenda.

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Home Loans and Your Budget: How Much Can You Afford?

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Review Your Budget Before Applying for a Home Loan

Home loans provide you with the funds that you need to acquire that dream home you've been planning to get for so long. Owning your first home is always an exciting time, and in your eagerness to acquire your dream home before someone else grabs it from you, you might feel pressured into taking the first loan that you come across. This is a common pitfall among home buyers—and one that could cost dearly for many years.

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Florida Home Loans for First-Time Buyers and More

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Florida Home Loans for Every Kind of Budget

According to the latest housing data released by Florida Realtors® in 2016, Florida’s housing market is growing at a moderate pace, thanks to a tight housing supply that's projected to boost demand even more.

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Make time for financial education in your life

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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.

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Why Wait? First Time Home Buyer Program

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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. 

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Home Financing, Mortgages, Loans, and More

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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:

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Home Refinancing: Should You Increase or Decrease Your Mortgage

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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.

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