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Navigating the waters of homeownership can be complex, especially for recent graduates stepping into the realm of financial independence. Whether you're in Indiana or anywhere else, understanding how mortgages work and the refinancing process can significantly impact your financial well-being. Let's delve into the nuts and bolts of mortgage refinancing, with a special focus on how Encompass Credit Union could be your ally in this journey.
Read MoreCongrats, class of 2025! It's a time filled with excitement, dreams, and, inevitably, financial responsibilities. As you stand on the threshold of this new chapter, understanding how to manage and build your financial future is crucial. This is where Encompass Credit Union steps in, offering guidance and resources tailored to Indiana's young adults who are just beginning their journey.
Read MoreRefinancing your Auto Loan can be a smart financial move, but timing is key. If you're wondering whether now is the right time to refinance, understanding the factors that impact your savings can help you make an informed decision.
Read MoreEmbarking on the journey of building your dream home is an exciting venture, but it also comes with a unique set of challenges, especially when it comes to financing. Unlike buying a pre-existing home, where you'd typically secure a mortgage to cover the cost, constructing a new home requires a different financial product: a construction loan.
Understanding how construction loans work, from rates and fees to disclaimers, determining your eligibility are crucial first steps towards turning your dream home into a reality.
Read MoreIn an era where digital wallets are as common as carrying physical wallets, the convenience of Cash App, Zelle, Venmo, and PayPal has seamlessly integrated into our daily transactions. However, with this convenience comes vulnerability.
In 2025, the sophistication of scams targeting users of these apps has escalated, making it imperative to stay vigilant. At Encompass Credit Union, we want to ensure you’re equipped to take on your tech, no matter the circumstances. This blog aims to equip you with the knowledge to effectively spot and counter these scams.
Read MoreIn the digital age, amid the hustle of everyday transactions and legal processes, notarization stands as a crucial pillar, ensuring the legitimacy and security of important documents. Particularly for young adults or those labeled as Gen Z, navigating adult responsibilities like leasing agreements, loan contracts, and legal paperwork can be daunting.
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