The process of obtaining student loans can be incredibly confusing and intimidating, for both parents and students. After the loans are funded, the interest rates you pay, and repayment plans add to the complexity of student loans. In this article, we cover what you need to know about student loans before and after graduation.
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Businesses, just like consumers, have the ability to apply for and use credit. In fact, most businesses have some form of a business line of credit, whether that be a long-term loan or a business credit card.
What to Do if You’re Falling Behind on Your Mortgage Many people experience financial difficulty at some point in their life, which may result in a missed mortgage payment or two. Unfortunately, when homeowners fall on tough times, remaining delinquent on their mortgage payment can result in losing your home, also known as a foreclosure….
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Home Mortgages 101 A home is the largest purchase that most people will make in their lifetime. It’s important to understand how mortgages work to find the right type of mortgage to purchase or refinance a home. Here are some important facts to know about mortgages as you prepare to purchase or refinance a home….
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Things to Know before financing a vehicle For most people, car buying is expensive, one of the largest purchases you’ll make in your lifetime. That is why it’s important to be informed before financing your car. To help you navigate the rough waters of car buying, we’ve put together a list of things to be…
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Your home is one of the biggest investments you’ll make in your lifetime. Learn how to improve the value of your home without burning through your cash reserves. Learn More
If you are a senior graduating from high school or a parent of a soon-to-be grad, you are likely in decision mode reviewing higher education options and financial aid award letters. You have options available to help you fund higher education dreams.
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Whether you are living within your means or have overextended yourself financially, a debt reduction plan is one way to put your income to work, pay less interest and see your balances start to shrink.
A mortgage refinance is a great tool to help you grow and preserve the equity in your home. Knowing when to start the process is an important step. Review these scenarios where a mortgage refinance may be the right move.
As your business grows, securing access to capital funding is important to the growth and scalability of your business. Learn how to obtain business credit, lending requirements, and tips for getting approved.
A home mortgage is one of the largest contributors to personal debt, and with refinance rates and promotions, you can lower your debt and pay your home off faster. Learn the basics of knowing when to refinance your current mortgage.
If you are a business owner, you know that cashflow is the lifeblood of your business and keeping things running smoothly depends on a lot more than just your revenue. Learn how businesses leverage credit to keep business going through peaks and valleys.
A reverse mortgage is a financial tool that helps put money in your pockets during your retirement years. There are a lot of misconceptions about reverse mortgages, so hopefully these tips will set the record straight.
If you are struggling to stay current on your mortgage or rent payment, you are not alone. If you are falling behind on your housing payment, there are a few things you can do to prevent eviction or foreclosure. Take advantage of these resources and ideas to keep your roof over your head and stay…
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February is Financial Aid Awareness Month If you or a loved one are getting ready for the 2020-2021 college year, now is a great time to educate yourself on financial aid for higher education and how it works. Colleges are preparing to send award letters, and families are anxiously awaiting the arrival to see the…
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The essentials of home equity loans – what you need to know For many homeowners, an equity loan is an attractive option for making home improvements, paying for large ticket items (i.e. college, wedding), or consolidating high-interest debt. For other homeowners, an equity loan might not even be an option because they do not have…
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Your student has completed their high school education and ready to take the next step to transitioning to adulthood. As they explore their options for higher education, you are weighing the options for financing their education. Many Americans are ill-prepared for the cost of higher education because they have not saved for college or have…
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Which mortgage type is right for you? Buying or refinancing a home is a big financial decision, one that KEMBA has helped countless central Ohioans navigate. There are many home financing options to consider, but two of our most common are the 30-year and 15-year, fixed-rate mortgage loans. To understand which is right for you,…
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Start a home improvement project now with a home equity line-of-credit If your plans are set for a home improvement project, but you’re not certain how much money you’ll need to get started, a home equity line-of-credit (HELOC) from KEMBA Financial Credit Union might be the place to start. Unlike a traditional home equity loan,…
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Higher education expenses can be shocking and the cost of college goes up with time. Learn how to plan for higher education expenses with our free Financing Higher Education tutorial.
If you are planning to make the move to home ownership, there are some things you’ll need to know before starting the process. Learn the basics with our free Home Ownership tutorial.
For some people, payday loans seem like a short term solution to close the gap on your monthly budget. But with most payday loans, the interest rates can hurt more than they help. Learn how payday loans work and ways to get your budget back on track.
If you’re having trouble making your monthly mortgage payment, learn how simple mortgage modifications may help get your caught up with your mortgage lender.
Your credit report is compiled by three major reporting agencies and while they can differ in the final score, the data collected by each agency is the same. Learn how to read your credit score with our free Credit Scores and Reports tutorial.
If you purchase a home, chances are you’ll need a mortgage. Learn how mortgages work and how to stay current on your monthly payments.
If you are under water with your home mortgage, the sooner you seek help the better. Many Americans struggle to pay their mortgage payments which puts them behind and at risk for a foreclosure by the bank. Learn about the options available to you to keep your home and get back on track with your…
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If you have purchased a home, or in the process, you need to know your options for financing your home. There are many options available and choosing the right mortgage type will make the home buying experience much more enjoyable. Learn about how mortgage payments are calculated, the types of mortgage loans, and how to…
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If you are ready to make the leap to home ownership, there are a few things you need to know going into the process. For some, buying a home is a dream come true but they go into the home buying process without a full understanding. Read these tips on buying a home and educate…
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Are you late on your auto payments? It happens to the best of us. In fact, millions of Americans are behind on their car payments. Being behind can be stressful, but there is good news. Learn how to tackle the problem and come up with a plan to get back on track with your auto…
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Before your purchase your next automobile, make sure you know the basics of auto loans. View our free Auto Loans video and learn how auto loans work.
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