Mortgage through a credit union or a bank?
What are the pros and cons? Have you considered or shopped a mortgage at your local credit union? Are you a member of a credit union yet choose a bank for your home mortgage? Why or why not?
I am honestly not sure, having not applied for a loan in so long. It would depend upon the interest rates and the terms. Generally speaking the credit union sounds like a friendlier place to get approved. When I was shopping for car loans, it was darn near next to impossible to beat the credit union's rates. But there are many good bank loans out there. I would steer clear of adjustable rates and life insurance policies, however.
From experience with personal loans-not mortgages though-it seems to be easier to get a loan through a credit union compared to a bank. The one I used to have does look at the credit score and while they may be a little more flexible than a bank, they still will turn down applications if the score is too low.
by chan0512 11 years ago
What do you prefer to use Credit Union or Bank?I have done some research and it seems CU has less fees. What do you think?
by Daniel Carter 14 years ago
I noted on the news last night that congress is trying to control bank interest rate hikes, and other predatory practices, at the same time that banks are countering such moves as quickly as they can with sudden new hidden an announced fees. So the madness continues. I've been trying to refi my...
by Perfectly Imperfe 11 years ago
What option other than a bank do you recommend? Credit Union? Anything else?
by Earl S. Wynn 13 years ago
Which are better, banks or credit unions?
by Gary Anderson 13 years ago
Hi Marissa, a warning to Aussies: the housing bubble party is coming to an end: http://globaleconomicanalysis.blogspot. … s-now.htmlMish is usually pretty accurate about banker abuse and economic realities. I don't agree with him about some things, but much of what he says is true.
by erickazoso 14 years ago
I'm curious what others think, in my opinion, the current recession we're in is simply the fault of the people that wanted a house and either couldn't afford their loans or didn't educate themselves properly on the loan they were getting into.
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