Dollars & Sense

Peach State FCU Blog

Understand the different types of mortgage today

Fixed Rate vs. Variable Rate Loans: Choose Wisely for Your Borrowing Needs

When it comes to loans, they are not all created equally…and that’s a good thing! There are a variety of loans, some of which are fixed rate and others are variable rate. This blog will explain the ...

understanding the differences co borrowers and co signers is important

Co-Borrower vs. Co-Signer: Choosing the Best Option for Your Loan

When applying for a loan, your credit history, income, and the way you manage your finances plays a huge role in your approval and interest rate of the loan. When your credit score is too low to ...

Couple-exploring-arm-mortgage-rates-and-their-potential-savings-together-using-a-pen-and-notebook-while-outside.

ARM Mortgage Rates 101: Break Down the Lingo & Find Potential Savings

With so many Mortgage options available, understanding which one best fits your needs and budget can be overwhelming. Adjustable Rate Mortgages (ARMs) may sound intimidating, but if you’re looking ...

Learn about Unlocking Your Homes Value Cash Out Refinance vs Home Equity Loan

Unlocking Your Home’s Value: Cash Out Refinance vs. Home Equity Loan

If you own a home, one of the perks is being able to utilize the equity to help meet your financial goals. When it comes to leveraging your home’s equity, homeowners have a few choices, including a ...

An adjustable rate mortgage is helping this grandmother save money while helping her grandson that she is holding in her arms.

5 Ways an Adjustable Rate Mortgage May Save You Thousands

An Adjustable Rate Mortgage can save you thousands of dollars over the life of a home loan. Sometimes referred to as floating Mortgages or ARMs, these borrowing opportunities have unique incentives ...

Couple finding answer to how soon can you refinance a mortgage on their laptop together on their couch.

How Soon Can You Refinance a Mortgage?

Refinancing a Mortgage can be a strategic move to save money, lower monthly payments, switch loan products, or tap into equity for various financial goals. However, understanding the timing involved ...

An ARM Mortgage gave this family hugging on their lawn a new home.

4 Scenarios When An Adjustable Rate Mortgage Is The Best Option

Choosing the right Mortgage is a critical step in your homeownership journey. Understanding when an Adjustable Rate Mortgage (ARM) might be the best fit may save you money and provide the flexibility ...

Couple researching arm loan options on their laptop while sitting on a couch.

Everything You Need to Know About an ARM Loan

There are many home loan options available, and the ARM loan (Adjustable Rate Mortgage) remains a preferred choice. Well known for its low introductory rates and low down payment requirements, an ARM ...

Arm vs fixed rate mortgage options can be overwhelming for this dad and child looking to buy a house.

ARM vs Fixed: Pros and Cons of Each Mortgage

With all of the home financing options available, it's important to understand the differences between Adjustable Rate Mortgages (ARMs) and fixed rate Mortgages. Each Mortgage type offers distinct ...

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