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Helping you stay financially savvy.


Retirement Planning 101

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Retirement. It’s not exactly like death and taxes but it’s pretty much inevitable. So like everything else in life, it pays to do a little planning. With this wise thought in mind, I headed off on Tuesday, June 13 to the Members Financial seminar on Social Security at the credit union’s Pembroke Pines branch.

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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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Vehicle Refinancing with We Florida Financial

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When Should You Look into Vehicle Refinancing

First-time car owners aren't all the same. Some may spend plenty of time finding the best deal while others let down their guard and trust whatever financing the local dealership offers. If you've realized too late that you signed up for a bad deal, vehicle refinancing can give you some breathing room in your budget and extra savings in your wallet.

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Four Major Myths about Credit Unions

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While credit unions have been around for more than a century, plenty of consumers are often faced with myths about what credit unions are – or aren’t. Credit unions are an excellent alternative to banks, and often have plenty more to offer. Let’s take a closer look as we debunk some misconceptions about credit unions.

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Join a credit union: Why it's recommended for new graduates

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Why New Graduates Should Join a Credit Union

Being a new graduate, and presumably headed towards joining the workforce, becoming a member of a credit union is a wise move. But why should you join a credit union?

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Car Loans: What Lenders Look For

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Increasing Your Approval Rate for Car Loans

When shopping for car loans, you may be wondering how different lenders come up with a range of rates for you. While they may have their own formulas and calculations, they are generally guided by the three C’s: collateral, capacity to repay, and credit history.

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Home Equity Lines of Credit vs. Home Equity Loans

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Home Financing 101: Home Equity Lines of Credit vs. Home Equity Loans

When it comes to home financing, a home equity loan can be categorized in two ways: a home equity line of credit and a home equity loan. While they may appear similar at first, they have fundamental differences that make one more appropriate than the other, depending on your needs.

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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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The Best Financial Tips For Buying a Car

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Spring is a popular time to upgrade your car and enjoy driving something different. We Florida Financial wants to guide you toward making the perfect car purchase with these easy tips!

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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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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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Car Financing: What Are Your Options?

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Alternative Car Financing: Why Credit Unions are Your Friends

The excitement of driving home in your dream car can muddle your financial decisions. As a result, making a smart car financing decision before you buy your car is often thrown to the back burner. Dealerships know this all too well and use it to their advantage, offering loans that seem too good to be true.

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Take Control of Your Credit for Credit Education Month

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March is Credit Education Month! The best way to celebrate is to take charge of your credit habits. Learn more about how you can improve your credit standing below.

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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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Dating on a Budget – How to Woo Your Date Without Breaking the Bank

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One of the hardest things about saving money is trying to budget during a holiday, especially one that gives you the opportunity to dote on someone you love. So how do you make birthdays, date nights, and even Valentine’s Day special without draining your bank account? We’ve compiled a few inexpensive date ideas that will impress your date without breaking the bank.

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