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Can't Save a Down Payment? There's an Alternative.

Zero Down Mortgage Financing from We Florida Financial

The real estate landscape can be tough for first-time homeowners with no equity. Many people struggle to meet the demands of everyday bills and still find space in the budget to put something away for a family home. Let's take a look at how long you could spend saving for a down home. Then, we'll look at an alternative loan program that can help you get into your dream home faster.

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Social Team

The Top 5 Best Uses For A Home Equity Loan

Top 5 Best Uses for a Home Equity Loan

You may have heard of a home equity loan. Sometimes financial institutions refer to this type of loan as a second mortgage. Basically it’s using the equity you’ve built up in your home to take out a large amount of money for something specific. People use these types of home equity loans for a variety of things. They are divided into two categories, a home equity line of credit or a regular home equity loan, which is a large lump sum given to you.

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Social Team

4 Tips for First Time Homebuyers

first time home buyer

Buying your first home can be an exciting experience. Yet, with that excitement can come a laundry list of items to address to ensure your purchase goes off without a hitch. Give yourself the best chance for success by following the tips for first-time homebuyers listed below.

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478 Hits
Sandra

Declutter – With No Regrets

Declutter with no regrets

Help! I am buried in a pile of stuff! What can I toss and what should I keep?

In today’s consumer-driven world, we all tend to over accumulate. Decluttering is not only a popular buzz word but is actually a healthy habit. Getting rid of unnecessary material items helps one to function better in less crowded surroundings and very importantly, eases the psychological stress and anxiety that comes with owning and caring for too much stuff.

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476 Hits
Lori

Things to Consider Before Moving

Things to consider before moving

Americans move an average of 11 times in their lifetime. Packing up and moving out of your home is a big undertaking. Especially when you have accumulated years of “stuff”. Moving across town is tough. But moving across the country? Now that can be stressful. I moved from Texas to Florida last year and I learned a lot of definite “to-dos” and even more importantly, “what not to-dos”. If you’re planning on relocating to a different city or even state, here are some things to think about before making the big move.

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Social Team

4 Types of Insurance Coverage You Need for Your Home

4 Types of Insurance Coverage You Need for Your Home

With the excitement of a new home comes the need to protect it. That's where your homeowner's insurance comes in. Choosing the right policy and coverages can give you peace of mind knowing that when disaster hits, you will be prepared for it. So what types of coverages should you have on your policy to best protect your home?

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477 Hits
Jennifer

How a Home Equity Loan Can Help You Pay for Home Improvement Projects

How a Home Equity Loan Can Help You Pay for Home Improvement Projects

If you’re like most homeowners, you have a long list of home improvement projects. Some are big like remodeling a kitchen or bath, and some are small, like a fresh coat of paint. Experienced homeowners know that it’s not easy or cheap to do all your improvements at once, which is why most of us chip away little by little at making a house a home.

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Social Team

Homeowner Tips | Relocating vs. Renovating

 couple renovating home

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

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1180 Hits
Sandra

5 Reasons to Refinance Your Mortgage

a couple reviewing paperwork with a bank staff member

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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1425 Hits
Sandra

5 Ways to Spend Less on Food

a man chopping food on a small cutting board while a woman beats eggs in a bowl.

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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1320 Hits
Jennifer

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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Social Team

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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Social Team

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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1860 Hits
Social Team

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

Florida backyard with swimming pool

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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Brenda

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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1677 Hits
Jennifer

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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1685 Hits
Social Team

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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1646 Hits
Brenda

How To Know If You Should Refinance Your Mortgage

using smartphone and tablet

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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1827 Hits
Jennifer

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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1819 Hits
Social Team

Florida Home Loans: A Must-Do List

Florida home exterior

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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1722 Hits