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Buying your first home can be exciting and scary. Where do you begin and how do you know what’s right for you? FORUM offers great resources to help you get started.

Categories: Homeownership, Planning

​Buying a home is likely the largest purchasing decision you’ll ever make. When getting started, it’s important to determine your needs versus your wants. This includes everything from the location of the house all the way down to the bathroom layout. You may not be able to have everything you want, but creating a list will help you prioritize what is most important to you in a home.

This is the time of year that everyone starts thinking about all the ways their current house doesn’t fit their needs.  Should you start looking for your next dream home now?  Here are a few questions you should consider before deciding the answer.
 

Categories: Homeownership

To rent or to buy? That is the question! Both renting a place or buying a home come with advantages and disadvantages to consider. It can be difficult to tell which is a better deal, but ultimately it needs to make sense for your own financial situation.

Are you thinking of buying a home this year?  Are you not sure if you are really ready to buy a home?  There are a few important questions that you have to ask yourself. And you need to really make an honest evaluation of your current financial situation.  This self-review is key to making the right decision regarding homeownership.
 

National research still shows that for most people, owning a home is less expensive than renting.  The number one reason people still rent, they don’t have the money for a down payment.  There are a few unconventional ways to save for a down payment besides just skipping the morning latte.

Whether it’s your first home or your retirement home, there are ways to avoid having costly mistakes when it comes to getting your mortgage.  The home buying experience is always much easier if you have developed a relationship with two very important people – your mortgage lender and your realtor.  Establishing a relationship with your mortgage lender can help you sidestep many of the problems that home buyers sometimes unexpectedly experience in the process.

We have all heard that getting a mortgage loan can be challenging in today’s environment and the amount of paperwork can be daunting. And, you will have a few important decisions to consider right at the beginning of the application. Fortunately, a little pre-planning on your part can greatly help reduce the stress and make the process go smoothly.

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FORUM Credit Union in Indianapolis, Indiana is federally insured by the NCUAFORUM Credit Union in Indianapolis, Indiana is an Equal Housing Opportunity lender
Federally Insured by NCUA