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All You Need to Know About Multifactor Authentication

In our digital world, passwords are as much a part of our lives as Netflix and Amazon. Keeping information stored in dozens of accounts across the web can make it easier to stay on top of your finances, order a new pair of jeans or even schedule a dentist appointment. Unfortunately, though, passwords can be relatively easy for scammers to hack, opening the door for identity theft, credit card fraud and more.

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Iphone password
HELOC: Home Equity Line of Credit FAQs

Thinking about tackling a home improvement project? Maybe you’re tired of making several different credit card payments and would like the convenience and savings of paying them off in one low-interest monthly payment.

For short-term goals and projects like this, you may want to consider a home equity line of credit (HELOC). If you’re a homeowner who has built up some equity on your home, you may be eligible.

What is a HELOC loan, exactly? We’ll answer some of your most commonly asked questions about this financing and debt consolidation option.

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Home equity
How to Tap Your Home Equity With a Home Equity Loan or HELOC

If you need cash and you’re a homeowner, you have a few different options to tap into your home’s existing equity. A home equity loan, home equity line of credit, or cash-out refinance can get you the funding you need.

But which option is right for you? Below, we discuss the different choices, what you can do with the cash, and which is the best fit for you and your situation.

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Money house
What You Need to Know About Refinance Documents and Paperwork

If you're thinking about refinancing your home, you can probably remember all the paperwork it took to get your mortgage approved -- and you might be feeling daunted.

But the process doesn't need to be complicated. Buying your home was the hard part and refinancing is comparatively straightforward. Read on to find out what steps to take and what documents you'll need.

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Blue house
Why You Need to Contact Your Lawmaker Today

As Congress considers new infrastructure spending, lawmakers are considering unconventional sources of revenue to fund their plans. One proposal under consideration would require financial institutions like Listerhill (as well as other financial institutions such as banks) to report to the Internal Revenue Service (IRS) many activities on accounts with balances over $600. Such an unprecedented grab of your personal financial data raises several concerns.

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Law
Mortgage Refinance Requirements

When interest rates decline, refinancing your mortgage can be a good way to save money. How much you can save depends on the equity you have in your home, what your new interest rate will be, and the length of your new mortgage. The savings could be substantial.

The following overview of mortgage refinance requirements can help you decide whether you are ready to apply for a new home loan.

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House with yard
How to Do a Cash-Out Mortgage Refinance

The term cash-out refinance refers to obtaining a new mortgage to replace your existing one and getting cash back in the process. You essentially take out a new loan for a greater amount than your current mortgage and spend the cash back how you see fit.

If you have a conventional or Federal Housing Administration (FHA) loan, you can typically receive up to 80 percent of the value of your home. You could receive up to 100 percent of your home’s value with a Veterans’ Administration (VA) loan.

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Calculating cashback
Our Great Giveback Grand Prize Winner, Percy Jones

During our Great Giveback campaign, we gave four lucky winners $500 cash and paid $25,000 towards an even luckier winner’s loan (or combined loans). Our grand prize winner this year was Mr. Percy Jones AND to make the prize even more grand, we donated $2,500 in his name towards St. Jude Children’s Hospital.

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Greatgiveback
How Much House Can I Afford to Buy?

For most people, buying a home will be the biggest purchase of your life – so you want to make sure you get it right.

You've got to consider the kind of property you want, the location, schools, commute, and all those other lifestyle factors. Most importantly, you have to think carefully about your budget and how much house you can afford.

The house price is only one factor that goes into determining your monthly mortgage payment. It's made up of several different parts and you'll need to understand them all before you can figure out what house you can afford.

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Living room
What is Mortgage Insurance?

With the demand for new homes increasing by nearly 25 percent from 2020 to 2021—and many homes going for tens of thousands of dollars over the asking price—coming up with a 20 percent down payment has become even more difficult for many home buyers.

What’s a potential home buyer to do?

One option to consider is mortgage insurance. But what is mortgage insurance? Listerhill Credit is here to help.

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Presenting mortgage insurance
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Frequently Asked Questions

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, we may require membership into an approved association at no cost to you.
    • You can also qualify for membership by being a family member of a current or potential Listerhill member.
  • If you do not live in qualifying counties or states

    You can qualify for membership by being a family member of a current or potential Listerhill member.

  • If you do not live in qualifying counties

    If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.

  • If you do live in qualifying counties

    You must live, attend school, own property, or work in qualifying counties:

    • Lauderdale County, AL
    • Colbert County, AL
    • Franklin County, AL
    • Marion County, AL
    • Winston County, AL
    • Cullman County, AL
    • Limestone County, AL
    • Lawrence County, AL
    • Morgan County, AL
    • Lamar County, AL
    • Fayette County, AL
    • Walker County, AL
    • Maury County, TN
    • Spring Hill, Williamson County, TN
  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.