Home loan online application

As any satisfied member can tell you, Credit Unions offer a safe, affordable alternative to brokers and banks for mortgage loans--and one that makes great sense in a time when stories on predatory lending show up regularly in the newspapers.

As Credit Unions are actually cooperatives owned by their members, you never need to warty about the dangers of unscrupulous lenders, or dealing with a financial institution whose policies were designed to take advantage of its customers. That's because Credit Unions were to meet the needs of their client-members, not to profit from them. Whether buying your first home, refinancing an existing loan or looking to leverage the equity in your home, you should consider traditional banks to guarantee you get the best results.

At nuVision Financial, for example, their mission is 'Providing superior financial services and opportunities for all members to achieve their financial successes." Mortgage services are fully available online, adding a new level of convenience and customer satisfaction, with a combination of the lowest rates and fees available, nuVision Financial even offers free pre-qualifications so customers can hunt for houses knowing exactly what they con afford and are already approved to purchase, putting them in a superior position to other potential buyers. nuVision also offers a full line of fixed and adjustable rate mortgages and home equity products, with personal assistance available every step of the way. It's not necessary to be a member of nuVision Financial to apply, so come in and you'll find that, even if you're a first time home buyer, you'll be able to go through the entire process with confidence and ease.

nuVision Financial

Credit Union

www.nuvision.coop

(800) 444-6327

Another place that will quickly earn your trust is Financial Partners, a Credit Union that provides professional guidance, personal service and lower rates and fees than you'll find at most big-name lenders. Among the many advantages they offer is a first-time buyers program--which offers free education and one-on-one consultations. They also offer a Home Buyer's Checking gives members an interest -bearing checking account and many free products like online bill pay. As experts in the field of home financing, Financial Partners can help members qualify for up to 100% financing. And if members are too busy to come in, pre-qualifications and personalized consultations can be arranged over the phone. Call to see if you are eligible to join as membership is open to a wide-array of people in Los Angeles and Orange Counties.

Financial Partners

Credit Union

www.fpcu.org

(800) 950-7328

Vista Federal Credit Union, which serves the Cast Members of The Walt Disney Company offers a complete line of mortgage and home equity products. Their Home Equity Line of Credit is nearly as magical as the Magic Kingdom itself, and funds from it can be used for any type of purchase, they may even be tax deductible (check with your tax advisor). Rates and fees are minimized to save members money. Vista also offers several flexibility features to provide the most convenience--such as high credit lines, low minimum check writing privileges, and easy advances. Members can use their lines of credit for a trip to Disneyland, the ultimate fantasy princesses wedding, or even a night out at Disney Hall.

Vista Federal

Credit Union

www.vistafcu.org/LAM

(800) 83-VISTA

The AFTRA-SAG Federal Credit Union, which serves LA 's sizable community of professional performers, offers well-priced home lean products, from first time purchases to refinances and home equity loans. AFRA-SAG FCU offers its home equity bans with no points, no origination fees, no application fees, no annual fees, no transaction fees and no prepayment penalties to better help performers minimize their out-of-pocket costs. Best of all, this Credit Union truly understands its members and their unique work, so AFTRA-SAG FCU's mortgage department, Members Mortgage, accommodates their needs with "No Income Verification" and "No Asset Verification" mortgage products, in addition a host of traditional mortgage programs. They help make the process of buying a home, refinancing, or withdrawing equity easy and inexpensive by tailoring them to performers' special needs.

Whichever Credit Union you ultimately select, you can rest assured you've made a good choice, and that you'll be treated fairy - and that's not something you can take for granted these days at other financial institutions. And since any financial transaction involving a home is likely to be one of the most important of your life, don't you want that extra level of comfort and security?

AFTRA-SAG

Federal Credit Union

www.oftrasagfcu.org

(800) 826-6946, (818) 487-6400