If you are looking for easy, fast, and convenient home loan options, then you can turn to a credit union in Killeen, Texas. Unlike banks, credit unions offer more advantages and competitive home loans. If you are an existing credit union member, then you can consider Credit Union’s home loan offers over other alternatives. People are often not aware about the home loan available with the credit unions, as these unions do not advertize much about their products.

What credit Unions are

Credit unions are non-profit banking organizations that work on limited budgets. These unions do not advertize their loan options vigorously; however, that does not mean they do not have much to offer potential borrowers. These lending organizations offer some of the most attractive loan packages. A credit union provides finance options to members only. Unlike other financial organizations that are run by investors and stockholders, members own credit unions and pool in money to finance loans to borrowers. So, their loans are not externally funded. A number of advantages of getting home loans from credit union in Killeen TX are listed below:

• Lower Interests: As the sole motive is to provide financial services to their members, Credit Unions offer low interest rates on home loans. Due to lesser interest rate, borrowers need to pay less monthly mortgage payments.
• Better customer services: In comparison to banks and other financial institutions, credit unions offer personalized and better customer services. They are responsive and helpful when you need more details.
• Quick closings: Credit unions do not require lot of paperwork and bureaucratic formalities. Unlike banks, they offer quick closing of your home loan.
• Qualify with Lower income: If your gross income is not sufficient, even then you can apply or qualify for a home loan from a credit union, as they have set their income requirements quite low. If you are a member of the union, you can avail the loan in spite of your meager salary.
• Better treatment: Being a member of the union, you get a better treatment from the credit union and have a say in important matters and issues, whereas, in banks and other lending institutes, you are just treated like a customer.

We, at Greater Central Texas Federal Credit Union provide quick and cheap home loans in Texas. For more details, you can visit us at 3305 E Elms Road, Killeen, TX 76542. You can also call us at (254) 690-2274.

One of the best possible ways to get rid of the heavy burden of your car loan, even while having a bad credit history or score, is to refinance the loan. Refinancing will allow you to take a loan that can be used to pay off the present loan. Since the new loan will be at much reasonable fees and rates of interest, this simple financial deal will help you save a lot of money.

The most basic reason of refinancing the car loan is the inability of the people to pay back the loan due to high installments. The monthly payments will substantially decrease if you refinance your auto loan. Given here are some tips that you should keep in mind while refinancing your car loan.

• Make sure you have a complete knowledge about your present credit report and credit rating. You can easily obtain these at the internet. Your present credit score is also available at a nominal fee.
• Find out the value of your car. It is not a prerequisite for refinancing the car loan but you should know about its value. There are many resources on the internet that can help you to get an estimate of the value of your car. 
• Make inquiries about the accessible lenders. It is possible that your present lender may also agree to refinance your loan. However, you should do a good survey to find out the lender that will charge the lowest rate of interest and refinance the lowest amount possible.
• Make sure that all the offers that the lender proposes is put in writing. Carefully read and make a comparison of each and every proposal and then make a decision.

If you want to refinance your bad credit car loan, then by all odds reach Greater Central Texas Federal Credit Union. You will be surprised to hear about our interest rates which are quite low as compared to others. Call us today at Phone: 254-690-2274. We are situated at Killeen, Texas.

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