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Financial Wellness
Home Ownership
- Important Considerations for a Home Loan Refinance
Homeowners should consider key factors before refinancing an existing mortgage. Read more. - 7 Tips for Buying & Using Homeowner’s Insurance
Understanding your homeowner’s insurance policy and ensuring you have the right coverage can protect you financially when the unexpected happens. Read more. - The Two Sides of Co-Borrowing
Before you sign, understand why you may need a cosigner and the financial risk if you are asked to cosign. Read more. - Understanding How the Equity in Your Home Can Work for You
The rise in property values has created a buzz around home equity lines of credit (HELOCs) as a great way to borrow. Since this type of loan uses your home as collateral, review the basics to understand if a HELOC is right for you. Read more. - 5 Financial Goals You Can Achieve with a HELOC
A Home Equity Line of Credit (HELOC) is a smart way for a prudent homeowner to finance many financial goals. This type of loan offers flexibility and savings by allowing the borrower to use funds as needed and pay only on the amount used instead of a lump sum. Read more. - Helpful Hints on Hiring a Contractor
Many home improvement projects can be a more prudent investment than purchasing a new residence and sometimes more costly than purchasing a car. The key to a successful project is to do your homework before hiring a contractor. Read more. - What is Your Home Really Worth?
Unless you recently had your property appraised, you really don't know the exact value of your home. But wait, your inbox gets monthly reports from popular, unbiased, independent websites detailing your price per square foot, neighborhood statistics and recent sales. Isn't that my home's value or close to it? Read more. - Is “Downsizing” Right for You?
“Downsizing” has evolved from the traditional definition of buying a smaller home as you near or enter retirement. It has some new twists, turns and options. Many families are balancing their pride of ownership with their lifestyle needs. Read more. - When It's Time to Tap Your Home Equity
With two unsurpassed Home Equity Lines of Credit to choose from — our Traditional HELOC and our 10-Year Interest Only HELOC — one of the most common questions at CEFCU is, "Which one?" Read more. - What is the Smartest Home Loan for You?
The following scenarios are composites of hundreds of loan stories — dreams we helped fund over the past several years. Perhaps you will find your solution here. Read more.
You won't find answers to all your questions in one place. Start with a visit to our online Real Estate Loan Center for useful features to help you understand your options, estimate payments and compare rates and terms.
Current CEFCU rates can be found on our Real Estate Loan Center. Real estate loans are available only for residential properties in the state of California. Certain exceptions may apply for jumbo loans or property types. Property insurance is required. All loans subject to credit approval. Rates and terms are subject to change without notice. CEFCU is an Equal Housing Lender. NMLS #626590.
