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When it comes to getting a mortgage, your credit score plays a bigger role than you might think. It determines the interest rate and loan terms you're offered, making it one of the most important factors in the homebuying process. To break it down, we sat down with our mortgage lending expert, Brandon, to explain how your credit score can impact your mortgage. Learn what you can do to make sure it is working in your favor. ...Read More
You’ve probably heard that land loans come with higher interest rates than traditional mortgages, and that’s true. But, that doesn’t mean they aren’t worth considering. In fact, for many people, a land loan can be the first step toward a dream home, a new business venture, or a long-term investment. ...Read More
Thinking about buying a piece of land? Whether you're dreaming of building a custom home, starting a small farm, or holding the land as an investment, a land loan can help make it happen. But before you start scouting your perfect plot, there’s one big question to answer: what’s the interest rate on a land loan? ...Read More
Buying a home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many financial terms and loan options, it’s important to understand the key components of a mortgage. At Radiant Credit Union, we want to help you make informed decisions on your home-buying journey. Here’s a breakdown of common mortgage terms to guide you through the process. ...Read More
Buying a home is a big step, and we know the mortgage process can bring a lot of questions. How much do you need for a down payment? What’s the difference between pre-approval and pre-qualification? To clear up the confusion, we sat down with our mortgage lending specialist, Johnny, to tackle the five most common mortgage questions. ...Read More
At Radiant, we believe in empowering our community with the tools and knowledge needed to achieve financial wellness. We’ve partnered with GreenPath to bring you a set of free courses to address some of the most critical aspects of personal finance. Here are four courses that can help you navigate your financial journey: ...Read More
Ever feel like owning your dream estate is more like a fantasy than a reachable goal? Well, we've got a little secret to share that might just change the game for you: land loans. This isn't just any tip; it's a life hack for those looking to make smart moves in the world of real estate. ...Read More
Florida’s fast-growing cities offer plenty of places to snap up a new home, but that does not mean the Gulf State’s real estate market isn’t competitive. Increased demand for housing and rapid interest rate increases in recent years have seen the monthly cost of a new mortgage more than double in many areas. ...Read More
After years of market whiplash, many hoped 2024 would bring relief for homebuyers. But now that we’ve closed the books on the year, we can finally answer the big question: Did housing prices actually drop in 2024? ...Read More
As real estate markets flourish across the country, current mortgage rates may make it seem like the perfect time to be a first-time homebuyer. ...Read More