Posts in category 'Tips For Buyers'

When it comes to buying a home, there are many questions to consider. Your home is one of the most important parts of your life. It's where you will spend most of your time, raise your family, complete major life goals, and make many memories. It's important for your home to be the right home for you. Whether you are a first-time home buyer or ready to upgrade to a new home, there are some vital questions to ask first to help you make the best decision for you.

Rent or Buy?

One of the first questions you may ask yourself is whether you should rent or buy. It takes more than looking at just your monthly payment to answer this question. Buying a home includes fees such as Private Mortgage Insura...

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At Idaho Central Credit Union, we know how overwhelming the task of purchasing a home can be, especially in this market! As exciting and life-changing as it is, the process of buying a home can also be very emotional. ICCU's home loan specialists are here to help you through the rollercoaster and make the transition to home ownership as smooth as possible.

We have broken down several emotions you can expect to feel on the journey to becoming a home owner, and some unique benefits that ICCU offers to help along the way!

Excitement

The excitement is palpable! You've decided to make one of the largest purchases of your life! The options are endless and the housing market is your oyster....

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Buying your dream home should be one of the most joyful events, and Idaho Central wants it to be that way. Although buying a home can be stressful at times, especially when it comes to the expenses that come along with it, taking the time to budget for a new home can save you from some of the stress, making buying your dream home a dream experience as well! So, how do you budget for a new home?

Calculate household income after tax

When you're considering buying a new home, it's important to calculate your household income after taxes first. Calculating your household income after taxes is the first step to not only budget for your dream home, but also for your day-to-day budget. Experts recommend...

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To build or to buy, that is the question! When you're ready to take that next big step toward your dream home, it may be the question you're mulling over and trying to decide on. Whether you want a home that's updated and move in ready, a home that needs a little bit of fixing up, or to build the home you've been dreaming of, we have home loan options to fit your needs.

Buying

When you've finally found the home you love and you're ready to move forward, Idaho Central is ready to help you through your home loan process and offers tools to help guide you through the beginning stages of buying a home. This includes the 

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If we all lived in a vacuum-sealed world where our minds and emotions didn't affect our finances, saving money and lowering debt would be a whole lot easier. No bad days to trigger junk food binges, no impulsive vacations, and no mid-life-crisis shopping sprees.

But our minds and emotions do impact finances, even for the most money-savvy. The trick, then, isn't just identifying your own bad money habits — it's finding small ways to tweak those habits in the long run. That way, you're not just lowering your debt; you're empowering yourself to take control of your finances for good. Here's how to do it....

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