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Home and Mortgage | Mortgage Payment | Credit Score

What Credit Score is Needed to Buy a House?

By: America's Credit Union
May 11th, 2022

Purchasing a home typically represents the largest financial investment families make. That’s why lenders take a long look at a mortgage applicant’s credit score, among other factors, to assess whether they can afford the loan and responsibly pay it back on time.

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Home Prices | Budgeting | Home and Mortgage | Mortgage Payment

Wondering "Should I Refinance My Mortgage?" [Expert Tips Inside]

By: America's Credit Union
March 31st, 2022

Hard-working community members deserve the best possible mortgage interest rates and terms. Homeowners whose financial situation has changed over the years sometimes wonder whether they should refinance their mortgage. Although refinancing may improve your financial health and wellbeing, it’s a process that should not be taken lightly. Before refinancing a mortgage, thoughtfully consider long-term changes and be sure you fully understand the answers to the following questions.

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Home Prices | Budgeting | Home and Mortgage | Mortgage Payment

How Does Debt Consolidation Work?

By: America's Credit Union
March 28th, 2022

Americans average about four credit cards per person with an average balance of about $8,000. Add in a car payment and an outstanding medical bill, remembering to make all those monthly payments or struggling to meet the minimum payment are the main reasons people look at debt consolidation. Instead of making multiple monthly payments, consumers consolidate their debts into one monthly payment, often at a lower interest rate and monthly payment.

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Home and Mortgage | Mortgage Payment

The Best Ways to Finance Home Improvements

By: America's Credit Union
March 14th, 2019

Homeowners decide to improve their homes for many reasons. Some want to make their houses more comfortable or to add market value when they decide to sell. Others may seek improvements that will improve efficiency and safety. No matter why you decide that it's time to invest in home improvements, you should compare financing options to decide which one works best in your situation.

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Home and Mortgage | Mortgage Payment

How To Increase the Value of Your Home Before Listing It For Sale

By: America's Credit Union
March 5th, 2019

Whether you're about to list your house for sale or you've just moved in and plan to stay a while, you should make the most of the money you invest into your home in the form of upgrades, repairs and remodels. To be sure you see a return on these types of investments, you must spend your money wisely, making not just the upgrades that you would enjoy having in your home, but also those that will increase your home's value from the perspective of potential buyers and future appraisers. Consider the following tips before you decide which upgrades are worth it and which renovations can wait for the next owner's bank account.

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Membership in America’s Credit Union is open to anyone who lives or works in Dallas, Rockwall or Collin Counties, Texas, and their family members. Employees of select employers may also be eligible. See our Membership page for details.