USC Credit Union Blog

USC Credit Union Blog

4 First Time Homebuyer Mistakes

Posted by Sydney on Jul 25, 2019 12:00:00 PM

The stars have aligned and finally, instead of just watching those house hunting shows, it’s your turn to being the search for your first home.

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8 Unexpected Homeowner Expenses

Posted by Sydney on Jul 17, 2019 12:02:09 PM

There’s a lot more to homeownership than paying the mortgage loan.

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Top 10 Home Buyer FAQs

Posted by Sydney on Jun 10, 2019 5:09:17 PM

1. What’s the First Step of the Home Buying Process?

The Answer: The mortgage pre-approval

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Making the Most out of Your Home Inspection

Posted by Sydney on Jun 10, 2019 4:29:49 PM

Look at you! You’ve packed your bags, said goodbye to your one bedroom apartment and are about to move into your brand spanking new home! Your new life and story begin today! So understandably you’re a tad surprised when you come to find you’ll be bunking with a family of termites…

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10 Steps to Take After Your Offer Has Been Accepted

Posted by Sydney on Jun 10, 2019 4:07:01 PM

Having your offer accepted feels great—but for most home buyers, it’s just the beginning. There is still a lot more to be done before you’re over the front threshold. Here’s a rundown of what comes next.

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Welcome Home! 5 Reasons Why You Should Buy Your Home Instead of Renting It

Posted by Brianna Seaberg on Jan 24, 2019 2:00:00 PM

You Can Make Your Space Your Own

Nothing is worse than being stuck in a home where all of the walls are white and you can’t even make your space your own. Owning a home will allow you to paint the walls how’d you like and make any changes you want to make your living space more customized and comfortable.

You Can’t Get Kicked Out By a Landlord

Renters can get an eviction notice unexpectedly if the owner decides to sell the home or rent it to others at any point of time. Owning your home could relieve this unnecessary stress and conflict that can come out of getting kicked out of your living space.

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Considering Homeownership? Ask these 5 Questions First

Posted by Katherine on Mar 29, 2018 3:30:00 PM

 

Buying a home can be an exciting milestone in your life, and it’s important to educate yourself on the financial implications of homeownership before you make an offer. Whether you’re a first-time homebuyer or a current owner looking to sell or refinance, there are a few key questions that should help guide your decision:

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Steps to Becoming a Home-Owner

Posted by Katherine on Mar 15, 2018 2:43:00 PM

Buying a home for the first time is an exciting milestone. It's easy to get caught up in the house-hunting aspect, especially after all those years of watching HGTV. There is a whole lot more to home-buying, however, than just looking for the right home. 

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Learn How to Qualify for a Home Loan

Posted by Pierce Conway on Feb 18, 2016 12:59:49 PM

How does a lender determine if you qualify?

While lenders look at a lot of different information to determine whether you’ll qualify for a home loan,
ultimately, it comes down to four things: credit, down payment, income and assets. If any of these areas are not as strong as they should be,don’t be discouraged.Your USC Credit Union
home loan expert will provide you with the guidance you need to move to the next level.

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How To Trim $500 From Your Monthly Spending

Posted by Alexa on Aug 6, 2014 9:09:00 AM

Think about how much sooner you might be able to accomplish those big financial goals you've been dreaming about — buying a new car, saving up enough for a down payment on a house, or finally finishing that home improvement project — if you could just find another, say, $500 to spare in your budget each month.

We know what you're probably thinking: That sounds great in theory — but it's practically impossible to achieve. Well, that's exactly what 33-year-old psychotherapist and Ph.D. candidate Lanada Williams is striving to do.

Williams wants to save up to buy a house in Washington, D.C., to share with her partner and 6-year-old son. But the country's capitol tends to be an expensive place to live, so she's finding it difficult to put away enough every month to reach her goal.

Fortunately, even the best-built budgets typically have room for some improvement. A tip? Learn to pinpoint those improvable spots and then make small adjustments that don't feel disruptive. "No one starts training for a marathon by running 26 miles," explains David Blaylock, CFP® withLearnVest Planning Services. "So you need to set a goal you can work toward over time."

To prove it may be possible to free up extra cash on a tight budget, we asked Williams to share her monthly expenses with us, so Blaylock could help retool her priorities in order to work on saving more for the house of her dreams.

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