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What Will Happen to My Loved One’s Finances After they Pass Away?

No one likes to think about what will happen to their loved ones finances after they pass away, but it’s best to plan in advance to avoid frustration and financial loss during an already difficult time. Here’s what you need to know about what happens to someone's financial accounts, debts and more when they die.

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When and Why to Take on Business Debt

Taking on debt can be an inevitable step for many businesses. A loan or a line of credit can provide a struggling business with the cash it needs to expand or fund a new venture. As with every financial move, though, it’s best to consider all angles before going ahead with the decision.

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Business Loan
6 Ways You Can Reduce Your Risk of Card Fraud

The unfortunate truth is that card fraud happens every day. You may feel helpless in these situations, however there are many precautions you can take to protect yourself against it. That is why we are sharing six tips on how to reduce your risk of card fraud. 

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Card Fraud
What Is A First-Time Home Buyer Loan?

The investment in a home is still the American Dream for many people. If you’re ready to move on from renting, a first-time home loan may be the right choice for you. If you’ve never purchased a home before, it can be confusing to know what to buy and the steps to take. These loans are specifically designed to make buying a home as easy as possible for you.

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Mortgage Stock Photo
COVID-19 Preparedness: Ways to Safely Access Your Money

As your financial cooperative, we're here to make sure you have access to your money, even when close contact with other people should be avoided. We've put together a list of ways you can still get your financial business done while lowering the risk of exposure to COVID-19.

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How Much Does It Cost To Refinance Your Mortgage?

Refinancing your mortgage can be a useful financial option. Refinancing can help you whether you need to decrease your monthly payments or the amount of interest you'll pay over the life of the loan.

But no good thing in life is truly free. How do you tell if the price you have to pay to get a better mortgage is worth it? On average, how much does it cost to refinance a mortgage? 

We’re here to make the process more transparent so you can best decide if refinancing is a good option for you.

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Calculating Mortgage
6 Ways to Save This Holiday Season

The holidays are upon us, and it is officially time to begin your shopping. However, this doesn't mean you have to overspend. 

There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with our six tips.

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What You Need to Know to Shop Local Safely This Holiday Season

We know this year has been challenging. Luckily, the holiday season is officially here, even if it looks a bit different this year! Black Friday, Shop Small Saturday, and Cyber Monday are right around the corner. The COVID-19 Pandemic has interfered with many traditions, but Black Friday sales live on. When you're shopping this holiday season, we want you to score great deals all while staying safe and abiding by CDC guidelines.

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Small Business Holiday
Ways to Save on Food Costs

College students' minds are preoccupied with details concerning classes, exams, and papers, so they usually have no time to think about food. Many students resort to junk food, fast food, and even ramen noodles! 

However, overdoing processed foods will leave you feeling not quite full nor nutritionally sound, either. 

It is time to kick those bad habits, but how can you prepare nutritious meals that don’t cost a bundle or take hours of prep time? 

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4 Purchases You Should Carefully Consider Before Using Your Debit Card

When paying for various items and services everyday, many people will pull out their debit card without a second thought. Who carries cash nowadays, anyway?

Although convenient and easy to use, sometimes it is important to take a step back and think about the security risks that come with using your debit card. We've put together a list of four purchases where you might want to think twice before using your debit card. 

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  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.