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Smart Ways to Use the Equity in Your Home

At Allegacy Federal Credit Union, we believe in doing the right thing for your wellbeing and that includes making sure that you use debt the smart way. Debt can be considered the wealth killer, but there’s one very notable exception and you’re living in it. Money you owe on your home is often called “good debt” and there are a few ways … Continue reading

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5 Simple Tips to Make Buying a Home Easier

At Allegacy Federal Credit Union, we know that purchasing a home is stressful and exciting at the same time. Following these simple tips will tip the scales less towards stressful and more towards exciting. Check your Credit Before you begin the process, check your credit. You don’t want to find the house of your dreams and then discover that you … Continue reading

Helping You Be Your Best During Tax Season

At Allegacy Federal Credit Union, we will always do the right thing for your wellbeing. And that includes doing our part to help alleviate some of the stress that comes with filing taxes. Here’s what to do now to get organized: As tax forms start to trickle in from financial institutions where you have accounts, businesses you’ve worked for and … Continue reading

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The Importance of Saving Money

Saving money (or paying yourself first) is one of the best things you can do for your financial wellbeing. At Allegacy Federal Credit Union, we believe in doing right for your wellbeing and that includes offering solutions to help you make the smartest financial choices for you. Why is saving so important? The answer to this question varies depending on … Continue reading

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Mortgage Saver Certificate

At Allegacy Federal Credit Union, we’ll always do the right thing for your wellbeing. That means helping you focus on what’s possible – saving for your new home. This is a unique product in the marketplace designed to help you get into the home of your dreams. How does it work? Small opening balance with the option to add to it. … Continue reading

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We make homeownership more affordable.

At Allegacy Federal Credit Union, we believe in helping you be your best by offering products and services unique to your individual needs. Whether it’s your first home, vacation getaway, your dream retirement destination or even sprucing up the home you have,  we can guide you toward greater savings and smarter choices that will ensure many happy years at any address. … Continue reading

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See What Fits: Finding the Right Mortgage for You

Homes aren’t one-size-fits-all. Neither are home loans. At Allegacy, we begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. With competitive rates and lower fees than most lenders, our mortgages are easy to live with today and for years to come. Your Offer Has Been Accepted. Now What? Once your offer has been accepted … Continue reading

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The Credit Approval Process: What You Need to Know

Credit approval is an application for financing that helps determine which homes are in your price range. To get credit approved, you provide the same paperwork you would when making a formal loan request. The Loan Officer will ask you for employment and income verification and deposit and loan information. They will also pull a credit report to assess your credit history. … Continue reading

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Going on Vacation? Make Sure Your Home is Safe

At Allegacy, we know time away is sometimes the best way to recharge so you can come back to reality, ready to tackle everyday life. We want to make sure when you return, life hasn’t thrown you a curve ball by giving you some tips to keep your home safe while you’re away. Make your home look lived in: Even while … Continue reading

Protecting Your Home While on Vacation

Can’t Find the Home of Your Dreams? Build It!

For many people, hosting can draw attention to the need for a bigger home or better floor plan. If you are considering shopping for a new home that gives you the space you need to entertain or receive friends, remember that choosing from what’s on the market isn’t your only option. You can buy land and build a new home … Continue reading

Can't Find the Home of Your Dreams? Build It!

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