Dupaco Community Credit Union Mortgage Rates – If you recently received a card, letter or text message about your mortgage, the sender may not be the person you expected.
Several members of local credit unions, including credit union employees, received postcards alerting them to an “important issue” related to their mortgage. Recipients are advised to call the toll-free number for “urgent” matters. Others received a text message saying their loan was “approved.”
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The problem is that no email or text message was sent. And the credit union did not provide information about the mortgage loan.
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Learn how to recognize this information to protect yourself from shady companies and scammers.
You recently paid off your mortgage with MUNITY CU. We encourage you to call us with any important questions you may have regarding this loan. We are pressed for time, so call us as soon as possible.
However, if you read the fine print, you’ll learn that the information vaguely listed at the bottom of the letter comes from a mortgage protection agency, not a credit union.
“By using large black letters, people won’t be able to tell if the card belongs to another company,” says Pat Slattery, expert coordinator. “They’re not sure about everything because they’re trying to sell you mortgage insurance.”
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“This company is not endorsed in any way, shape or form,” he said. We also offer our own loan repayment protection.”
Hello, (Name) Your MUNITY CU loan has been reviewed. The report to (your address) is ready. Go to
Be especially careful if you receive such a text message. “Don’t click on the link,” says Jill Gogel, vice president of fraud services.
Automatic registration will provide you with a credit card number, which you will find in your mailbox. The computerized reminder will tell you where your mortgage is and when it was submitted. The records show that you never proposed to foreclose the mortgage loan as stated in the notice.
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“It delivers. But there is no way to know whether they offered it to you or not,” Slattery said. “It’s a marketing gimmick.”
Mortgage loans are publicly available, so companies can search for registered mortgage loans to reach homeowners and apply for their products, Slattery said.
In addition to a few negative reviews online, Massachusetts has a cease-and-desist procedure for companies using the same marketing tactics.
Credit unions use a variety of methods to communicate directly with members, including, but not limited to, U.S. mail, telephone, email, Shine Online and mobile banking app messaging. But it won’t send you personal information on postcards.
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Do you want to take further action? If you receive one of these letters or messages claiming to be from your credit union, you may be able to file a complaint. Start with the Iowa Attorney General’s Office of Consumer Protection.
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Technical memory or access is required to create user profiles in order to send advertisements or track users across a website or multiple websites for similar marketing purposes. Check out our programs for first-time home buyers. Go behind the scenes and ask first-time home buyers. Get answers to frequently asked questions so you’re ready to buy your first home.
Your home is probably the most expensive purchase you will ever make. However, there are programs, grants and loans that will make your investment a reality.
Choose from a variety of traditional mortgage options. The interest rate remains unchanged throughout the loan period.
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Initial interest rates are lower than traditional mortgages. Get a better fixed-rate loan and then take the time to finance it. Details here.
A 100% financed loan allows qualified borrowers to move into their home with no down payment, saving money at closing. Note: 100% financing is only available on adjustable rate mortgages.
Through partnerships, we are able to provide financing through government programs such as U.S. Department of Agriculture (USDA) financing, Veterans Affairs Home Loans and the Federal Housing Administration (FHA).
If you’re a first-time home buyer, you may be able to set a lower rate – 0% for an adjustable-rate mortgage or 3% for a fixed-rate mortgage.
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The fund can help first-time homebuyers realize their dream of home ownership by providing them with a $1,000 grant that they can use to pay off their mortgage. Details here.
If you’re a first-time home buyer, you may qualify for a $15,000 loan through the Federal Home Loan Bank’s Home$Tart grant program. To qualify for a mortgage loan, you must meet household income requirements and complete a home buyer education course. These grants are available in limited quantities, on a first-come, first-served basis. A mortgage advisor can help you apply for one during the application process.
How do I become an approved first time home buyer? Every situation is unique. But these general guidelines will give you an idea of what mortgage lenders will consider.
Down payments on fixed-rate mortgages typically range from 3% to 20% of the purchase price. Offers 100% financing option to qualified buyers. Note: 100% financing is only available on adjustable rate mortgages.
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However, if your down payment is less than 20%, you will have to pay private mortgage insurance (PMI), which will not be added to your mortgage. Check out our PMI prevention tips here.
Home loans have a commitment period of one year. And you want to enjoy your home without exceeding your monthly expenses. This free home affordability calculator shows you how much you can afford, based on income, down payment and other factors.
Maintaining good credit is key to getting the best financing options. While each situation is unique, 620 is the minimum credit score required for qualified buyers to qualify for a fixed-income mortgage loan. However, lenders also consider other factors such as income, savings and debt.
Buying your first home can be exciting and expensive! However, there are steps you can take to put you on the path to successful home ownership. Plus, once you start the mortgage application process, you’ll be guided every step of the way with our free mortgage tracker.
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We understand – applying for your first home can be a difficult and overwhelming task. But do not worry! Our team of experts answers the most frequently asked questions.
If you rent, you have no long-term responsibility for where you live. When something breaks or stops working, you’re usually not the one paying for it. The point is that when you pay your rent, you help someone else pay their mortgage. In the end, you’ll leave with nothing but what you remember – while the landlord uses your rent to build equity (which means pocket money later). Instead of supporting other people’s funds, why not start your own? If you understand your budget and buy what you can afford, your mortgage payments will be the same as your monthly rent payments. . You’ll even get your money back if you decide to sell.
Estimate the total cost of each option with our free rent and purchase calculator. Knowing how prices change over time can help you decide whether buying a home or renting a home is the best option for you.
Once you’re pre-approved for a mortgage, you’ll be told how much you can borrow based on your income and current debt. It also shows that you are a serious buyer who can comfortably make an offer to the seller without rushing to finance. Ready for pre-approval?
Buy My First Home
Down payments on fixed-rate mortgages typically range from 3% to 20% of the home’s purchase price. Offers 100% financing option to qualified buyers. Offer: 100% financing
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