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Looking to help a friend refinance a high balance mortgage at $550K 80% LTV in a county that goes up to $625K. Time horizon is about ten years before property is sold. May need non-occupying owner to sign the note also to get DTI ratios acceptable. Current note is presently in the non-occupying owner's name (brother of home occupant).
I'm looking at PenFed and NFCU so far.
PenFed offers a 5/5 at 2.875% and no origination fees with a 2% cap on adjustment and 43% DTI only needing a 680+ FICO score, however, all borrowers must reside in the house.
I don't know as much about the NFCU rates, so far it appears they offer a 5/5 at 2.5% and 0.25% origination fee but the rate varies with your FICO score, still getting more info on this one.
Other Credit Unions to consider? What about USAA, how good are their mortgage rates?
I joined Nasa federal Credit Union. Do I have 30 days or less to apply for a credit card in order to avoid a hard pull or does it matter?
Here's my big list of low interest credit cards, sorted by cash advance interest rate (excluding those with a big transaction fee).
My starting point was the top 100 credit union list here: outbound link removed.
Obviously, this is not the place to look for rewards cards, and a lot of people will prefer 0% balance transfer offers, but some folks may get a benefit.
Feel free to reply with updates and additions, especially smaller credit unions that weren't on my starting list.
Name Location Type Purchase Rate Cash Advance Rate CA Fee % CA Fee $ Apple Federal Credit Union Fairfax, VA Visa Platinum 5.74 5.74 0% Wright-Patt Credit Union Fairborn, OH Platinum Low Rate 6.25 6.25 0% Security Service Federal Credit Union San Antonio, TX Power MC 6.49 6.49 0 American Airlines Federal Credit Union Fort Worth, TX Visa Platinum 7 7 0% $2 Northwest Federal Credit Union Herndon, VA Visa Platinum 7 7 0% Coastal Federal Credit Union Raleigh, NC Community Visa 7.25 7.25 0% State Employees Credit Union Raleigh, NC Visa 7.75 7.75 0 Eastman Credit Union Kingsport, TN Gold Variable 7.75 7.75 0% First Community Credit Union Chesterfield, MO Visa Platinum 7.9 7.9 0 Chevron Federal Credit Union Oakland, CA 7.99 7.99 0% TDECU Lake Jackson, TX Platinum MC 7.99 7.99 0% Veridian Credit Union Waterloo, IA Visa Platinum 8.15 8.15 0% Logix Federal Credit Union Burbank, CA Platinum MC 8.24 8.24 0 Citizens Equity First Credit Union Peoria, IL MC Platinum 5.25 8.25 0% $1 Members 1st Federal Credit Union Mechanicsburg, PA Visa Platinum Select 8.25 8.25 0% Merck Employees Federal Credit Union Rahway, NJ Visa Platinum 8.28 8.28 0% SchoolsFirst Federal Credit Union Santa Ana, CA 8.5 8.5 0 Digital Federal Credit Union Marlborough, MA Visa Platinum 8.5 8.5 0% UW Credit Union Madison, WI Visa Platinum 8.5 8.5 0% Visions Federal Credit Union Endwell, NY Visa Platinum 8.56 8.56 0% Affinity Federal Credit Union Basking Ridge, NJ Premium Visa 8.6 8.6 0% Star One Credit Union Sunnyvale, CA Visa Platinum 8.75 8.75 0 Tinker Federal Credit Union Oklahoma City, OK Visa Platinum 8.75 8.75 0% Wings Financial Credit Union Apple Valley, MN Visa Platinum 8.9 8.9 0 Bank Fund Staff Federal Credit Union Washington, DC Visa Platinum 8.9 8.9 0 SACU San Antonio, TX Visa Platinum 8.9 8.9 0% Keesler Federal Credit Union Biloxi, MS MC Platinum 8.9 8.9 0% $5 Virginia Credit Union Richmond, VA MasterCard 8.99 8.99 0% Community First Credit Union Appleton, WI Platinum - Either 8.99 8.99 0% $5 General Electric Credit Union Cincinnati, OH Visa Platinum 8.99 8.99 0% Chartway Federal Credit Union Virginia Beach, VA Visa Platinum Rewards 8.99 8.99 0 Redstone Federal Credit Union Huntsville, AL MasterCard Gold 7 9 0 VyStar Credit Union Jacksonville, FL Platinum Visa 9.1 9.1 0% Police and Fire Federal Credit Union Philadelphia, PA 9.15 9.15 0 Sandia Laboratory Federal Credit Union Albuquerque, NM Visa Gold Value 9.25 9.25 0% $5 Ent Federal Credit Union Colorado Springs, CO Visa Platinum Rewards 9.75 9.75 0% $3 PSECU Harrisburg, PA Visa 9.9 9.9 0 OnPoint Community Credit Union Portland, OR Platinum Visa 7.9 9.9 0 GECU El Paso, TX Gold MC 7.9 9.9 0 Atlanta Postal Credit Union Atlanta, GA Visa Platinum 9.99 9.9 0% $5.00 ESL Federal Credit Union Rochester, NY Visa Gold 9.98 9.98 0% Navy Federal Credit Union Vienna, VA MC Platinum 7.99 9.99 0 PenFed Federal Credit Union Alexandria, VA Promise Visa 9.99 9.99 0 First Technology Federal Credit Union Mountain View, CA Visa Platinum 8.99 9.99 0 NEFCU Westbury, NY Visa Platinum 9.99 9.99 0% Summit Credit Union Madison, WI Visa Platinum Preferred Rate 9.99 9.99 0% $3.00 Suncoast Credit Union Tampa, FL 8.9 10.9 0 Tower Federal Credit Union Laurel, MD 10.9 10.9 0% $0.75 Space Coast Credit Union Melbourne, FL Platinum visa 10.99 10.99 0% SECU Credit Union Linthicum, MD Visa Platinum Scorecard 10.99 10.99 0% Travis Credit Union Vacaville, CA Platinum Rewards Visa 8.99 10.99 0% $5 Teachers Credit Union South Bend, IN Visa Platinum 8.49 11.15 0% Redwood Credit Union Santa Rosa, CA Visa Platinum 8.99 11.99 0 Grow Financial Federal Credit Union Tampa, FL Visa Platinum Preferred 6.99 18 0 Service Credit Union Portsmouth, NH Visa Platinum 8.99 8.99 1% APCO Employees Credit Union Birmingham, AL APCO Visa 10.9 10.9 1% America First Credit Union Riverdale, UT Visa Platinum 6.99 6.99 1.50% BECU Tukwila, WA 6.9 6.9 2%
I am in need of advice. Just completed an App Spree for DW. (I am still waiting on a few things, then I will post the whole shabang!) Nonetheless, at the end of the App Spree I decided to do a few last apps for some CU's (lesson learned, All Newbies, PLEASE READ CB BEFORE ATTEMPTING ON YOUR OWN!!). Alliant pulled a soft and DCU pulled a hard. The dilemmas are that 1) DCU approved her as a "Limited Member" due to balances on open accounts and current accounts less than 2 yrs old and are saying that they must pull another hard for any other apps (i.e. CC and LOC). So should I allow them to pull a hard, the new CR will show the app spree (inquiries and new accounts) and I am worried this could adversely affect her membership. OR is there anyone I can talk to that may be able to change the decision to do another hard pull? 2) Alliant says they would need to pull a hard since they only pulled a soft to join. Hence I am worried about the app spree showing up with all the new accounts and inquiries, is it worth a try? Any and all advice is appreciated.
Hello!! Ok so here is my dilemma. Not sure if this is the right forum.
I’m 25 years old and just discovered what Chexsystem is. I lost my job and my checking account became overdrawn for $420 dollars. Half of which are fees from TD Bank. I contacted TD immediately after I received my first paycheck and they said they were in the process of closing my account it was on day 61; so I just missed it by a day!! Grrrrr! I begged and pleaded ask to speak to supervisors and all I got was there is nothing we could do.
So, I hopped online and back on this board and after reading through everything I went the next day which was this past Tuesday and opened up 4 checking accounts Wells Fargo, Bank of America, Citizens Bank and local Credit Union. I didn’t want to take any chances on when they would report me to Chexsystems so I just went the very next day. From what I’ve read once you’re in ChexSystems you can’t open a checking account for 5 years! That’s crazy! There is no way I could go 5 years. The reason I opened 4 is because I saw where some accounts were closed because the bank did a Chexsystems sweep, so I figure out of 4 I have a better chance of having at least one stay open. My other reasons are because I need to establish credit; so I want to get secured credit cards with all these banks and start utilizing.
My credit file was blank up until last year. I have 2 collections, one medical and one is from an AT&T bill and I am assuming now the one from TD bank will appear soon. I just started working with Credit saint credit repair (heard good things about them and good BBB rating) I’m not that savvy in contacting the bureaus myself.
OK so basically I just need a game plan at this point on how to establish my credit from this point on and rebuild. I REALLY hate I let these stupid 3 things even get on my file! Please help and sorry for the long rant!