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Credit Union Blog

America's Credit Union Blog

Providing valuable content and financial tips to help empower our members to improve their lives.

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Home and Mortgage | Mortgage Payment

The Best Ways to Finance Home Improvements

By: America's Credit Union
March 14th, 2019

Homeowners decide to improve their homes for many reasons. Some want to make their houses more comfortable or to add market value when they decide to sell. Others may seek improvements that will improve efficiency and safety. No matter why you decide that it's time to invest in home improvements, you should compare financing options to decide which one works best in your situation.

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Home and Mortgage | Home Improvements

Looking to Move? Here Are the Best Home Improvements for Resale

By: America's Credit Union
March 12th, 2019

When considering investing money in home improvements for resale, you should have two primary goals: improving your home's appeal and increasing property value. Expenses which do neither, aren't worth the money or the time. Consider the following renovations, upgrades and repairs that will help you sell your house more quickly for more money.

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Home & Mortgage Tips | Home and Mortgage

Quick Tips To Increase the Value of Your Home

By: America's Credit Union
March 10th, 2019

When it comes to increasing the value of your home, you should not spend home improvement dollars willy-nilly; some upgrades and renovations are considered more valuable than others.  Rather than putting your hard-earned cash down the garbage disposal in unnecessary expenses, consider the following checklist of home improvement items that are worth every penny.

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Home & School | Home and Mortgage

Two Top Ways to Use Your Home Equity to Remodel

By: America's Credit Union
March 7th, 2019

At its core, the concept behind home equity is a simple one.  It’s a term that describes the market value of the “unencumbered interest” in your home – meaning, the difference between the fair market or “appraised” value and the outstanding balance of any and all loans that you may still owe. Home equity is calculated by taking 80% of that value and subtracting the loan balances. So, if your home was worth $200,000 and you still owed $100,000: $200,000  x  80%  =  $160,000   -$100,000      $60,000             The equity on your home would be $60,000.            What a lot of people don’t realize (especially first time homeowners,) is that it’s definitely possible to remodel your home to help it look and feel precisely how you want it and improve the amount of equity you have at the exact same time. Below are two responsible home equity techniques that you’re definitely going to want to know more about.

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Home and Mortgage | Mortgage Payment

How To Increase the Value of Your Home Before Listing It For Sale

By: America's Credit Union
March 5th, 2019

Whether you're about to list your house for sale or you've just moved in and plan to stay a while, you should make the most of the money you invest into your home in the form of upgrades, repairs and remodels. To be sure you see a return on these types of investments, you must spend your money wisely, making not just the upgrades that you would enjoy having in your home, but also those that will increase your home's value from the perspective of potential buyers and future appraisers. Consider the following tips before you decide which upgrades are worth it and which renovations can wait for the next owner's bank account.

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Membership in America’s Credit Union is open to anyone who lives or works in Dallas, Rockwall or Collin Counties, Texas, and their family members. Employees of select employers may also be eligible. See our Membership page for details.