- How Your Credit Score Impacts Your Mortgage Rate
When you’re thinking about buying a home, one of the biggest factors affecting your mortgage experience is something you can’t see, but lenders pay close attention to—your credit score. At our credit union, we believe in empowering members with knowledge, so here’s a clear and friendly breakdown of how your credit score influences the mortgage rate you’re offered and what you can do to improve it.
- How to Create a Home Improvement Budget That Actually Works
Home improvements can increase your property’s value, enhance comfort, and make your space truly yours—but without a solid budget, costs can spiral out of control. Whether you’re planning a small upgrade or a major renovation in 2026, creating a realistic home improvement budget is essential. Here’s how to do it step by step.
- Fixed vs. Adjustable-Rate Mortgages (ARM): What’s Best in 2026?
Ultimately, the best choice between a fixed-rate mortgage and an ARM in 2026 will depend on your individual financial situation, risk tolerance, and market conditions at that time. It’s wise to consult with a financial advisor or mortgage specialist who can provide personalized advice based on the most current data and projections.
