Posts Tagged ‘Education’
Understanding your debt-to-income ratio
Have you ever applied for a loan and been told that your debt-to-income ratio was too high? You may have wondered what that meant. Your debt-to-income ratio is the portion of your income that goes to debt payment, and it is a key component of creditworthiness. Lenders consider debt-to-income ratio along with credit score when…Read More
Boost your savings with certificate laddering
Even though share certificates (a.k.a known as certificates of deposit or CDs)) won’t get you the highest return on your dollar, they are pretty much guaranteed not to lose you money. That’s because share certificates are federally insured up to $250,000 per account holder by either the National Credit Union Administration (NCUA) or the Federal…Read More
Top reasons mortgage applications are denied
Going through the mortgage loan application process is rigorous, and at times nerve-wracking. And to find out that, after all the scrutiny, your application gets denied, well – that can be heartbreaking. But you’re not alone – the most recent Home Mortgage Disclosure Act (HMDA) data indicates that 11 percent of home purchase applicants get…Read More
Mortgage loans for beginners
Buying a home is a complicated process, and so is obtaining a loan to assist with the purchase. If you are new to the mortgage loan process, read on to understand how it all works. A mortgage loan is simply a loan to purchase your home. They are useful because most people don’t have the…Read More
The ABCs of car loans
You’ve done your research and are now ready to purchase your new (or used) vehicle. Now, how do you pay for it? Unless it is an inexpensive used vehicle, most people don’t have the cash to pay for a vehicle, so they have to take out an auto loan. If you’ve never financed a vehicle,…Read More
(575) 647-4500 or
Hours of Operation:
Monday thru Friday, 8 am-5 pm
P.O. Box 99
Las Cruces, NM 88004
Routing & Transit # 312276470
Federally Insured by NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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