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The first step in your home-buying or refinancing journey is to understand your financial situation and explore your options. Here are a few tips to get started: HOW TO GET STARTED 1. Check Your Credit: A healthy credit score can unlock better loan terms, but don’t worry if your score isn’t perfect — programs like FHA loans are designed to accommodate members with lower credit scores. Stay up-to-date with your credit score with our free Credit Score solution, available in our online banking. 2. Save for Upfront Costs: While some programs require minimal down payments, it’s helpful to have some savings set aside for other costs like inspections and appraisals. 3. Talk to a Mortgage Specialist: Our team of experts can help you evaluate your options and guide you through the application process. We’ll work with you to find a loan that fits your budget and goals. 4. Get Pre-Approved: A pre-approval letter shows sellers you’re serious about buying and gives you a clear idea of how much home you can afford.
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