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Friends come in handy when you're considering a move. That's what you'll find here—helpful support to guide you toward the home-owning options best for you. Whether you plan to buy, build, refinance, or you're just dreaming, we'll keep the process simple.

Let's talk about options and solutions. Schedule your appointment today.

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Fixed-rate mortgages are the most common type of mortgage people use to purchase a home. When you're ready to buy we will lock in a rate and term for you, so you'll always know the amount of your monthly principal and interest payment. We offer a variety of repayment terms ranging from 5 years to 30 years. Whatever your mortgage goals are, we have options to fit with your unique financial situation.

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A Lot Loan provides you with a way to buy a piece of property before you build on it. This is especially helpful if you're not planning to build for several years but you don't want to miss out on securing that ideal piece of property.

Later, when the building process actually begins, you'll want to get a New Construction Loan so you have the money needed to pay the builder. And once construction has been completed, your New Construction Loan converts to a conventional mortgage, just like you were buying a pre-existing home.

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A Bridge Loan is a short-term loan used to buy a new home while your existing home is still on the market. It allows you to take equity out of the home you're selling in order to make a down payment on the new home you're buying. The Bridge Loan is generally paid off with proceeds from the sale of your existing home, and conventional financing is then used to complete the purchase of your new home.

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Today's manufactured homes offer all the style, quality, and comforts of a traditionally built home at an affordable price. Whether you're looking to settle down in a community or want your manufactured home on your own land, First Alliance Credit Union has a financing solution that will work for you.

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Borrow from the equity you've built up in your home to pay for home improvement projects or big-ticket expenses like college tuition. And often, a smart budgeting strategy is to consolidate higher-rate credit cards and loans into one lower monthly home equity loan payment. In many cases, the interest you pay will be tax-deductible as well. You'll want to talk to your tax advisor for details.

We offer both fixed-rate Home Equity Loans and flexible, open-ended Home Equity Lines of Credit (HELOC). If you're not sure which product is the better one for your situation, we'd be happy to talk it through with you and help you decide.

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The very first step on your home buying journey is to get pre-qualified. Actually, most real estate agents will require it before showing you any homes. With pre-qualification you will learn the maximum loan amount you qualify for, along with the best financing options for you. Plus, when you do put an offer in on your dream home, you can prove that you're already qualified to buy it. That's a critical advantage in a competitive real estate market.

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Refinancing your current mortgage provides you with the potential to save money on your monthly payments or over the life of the loan, maybe even both. Don't wait any longer to see what we can do for you today!

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