Category Archives: Your Home

Make Your Home’s Equity Work for You

Home Equity

Feeling inspired by the Consumers CU Room Redo Pinterest boards to make some home improvements of your own? Make your home’s equity work for you! Rates are as low as .99% APR* for the first six months on new home equity lines of credit with rates as low as 3.25% APR thereafter. Plus, pay no closing costs! In addition to giving you access to cash for home remodeling and improvements, home equity lines of credit can help you finance new car or boat purchases, college tuition, student loan payoff, travel, a vacation home, and more! How can you put your home’s equity to work? Don’t forget—there’s still time to enter the Consumers CU Room Redo Pinterest contest to win cash towards your home improvements!** Click here to get started. *This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of June 10, 2013. The … …continue

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Money Saving Tips for Your Next Remodel

Remodeling

We love perusing Pinterest for gorgeous home renovation ideas. Replicating most of them would require a good chunk of change—but updating your home doesn’t have to cost a lot. Small projects can pay off in a big way. Here are some of our favorite ideas for saving money on your next remodel. Hint: It’s often about repurposing what you already have. “New” Cabinets Want to give your kitchen a facelift? Replacing your cabinets can give it a whole new look, but you don’t have to go that far. If you’re not fond of the wood, you can hire a professional to resurface them by applying a veneer to the cabinet boxes and adding doors to match. Or opt to repaint them yourself. Even just adding new hardware, like handles and drawer pulls can be enough to give them the style you’re looking for. Look-alike Materials If you love the look … …continue

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Simple Ways to Give Your Home Curb Appeal

Couple Gardening - iStock_000016421604Small

Making the outside of your home welcoming to prospective buyers can up its value, but even if you’re not planning to sell your home in the near future, giving your home an outdoor update can be worth the work. It feels good to come home to a beautiful house at the end of the day. A few simple projects can go a long way toward giving your home curb appeal. Here are some of our favorite ideas. Repaint the whole house or update the trim A new color of paint can totally change your house’s appearance. If yours has gotten weatherworn, you’ll want to repaint the entire exterior. If you’re just looking to give the outside more accent, though, consider changing the color of your trim or your front door for a less costly alternative. Give a splash of color with flowers Just clearing out the clutter from your garden … …continue

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The Home Improvements that Save You Money

Home Improvements

When planning your remodel, you want to prioritize your spending in the way that gives you the best results for each dollar. So why not focus on the improvements that will save you money on your monthly bills or qualify you for tax credits next April? Here are a few of our favorites. Weatherproof Your House While improving your home’s insulation isn’t the sort of thing that’s going to be noticed from the street, getting rid of drafts will always pay off. Many utility companies offer free energy audits to help you identify the necessary improvements. In some cases, you can even get tax credits for the upgrades. Check out this list from Energy Star, which describes the credits for insulation, roofs, and more. Update Your Appliances for Energy Efficiency If you’ve had your appliances for a while, it may be time to upgrade to the energy efficient models on … …continue

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Affordable Alternative Mortgage: Custom-Made at Consumers

Sharon A., joined 1993

Whether you’re shopping for your first home or moving on to your next, you want to work with the mortgage lender who understands your unique financial situation. At Consumers, our Custom-Made Mortgages are quick, seamless, and local—never one-size-fits-all. We offer many mortgage programs to bring you the financing that meets your needs. The most recent addition to our Custom-Made Mortgage programs, the Affordable Alternative Mortgage, combines the best features of low-cost conventional financing with the most popular characteristics of FHA financing—and eliminates many of the expenses typically required by similar loans. This mortgage program provides members with five-year mortgage insurance savings of $3,000 to $5,000 and lower monthly payments. It also does not require mortgage insurance for the life of the loan. Learn more about the Affordable Alternative Mortgage, as well as additional options in Custom-Made Mortgage online at ConsumersCU.org/Loans/Mortgages or by calling us at 800.991.2221 to speak with a … …continue

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The Renovations that Add Value to Your Home

Couple Painting

Besides making your living space more comfortable for you and your family, the best home improvements add value that you can recover if you decide to sell your home, even years later. When planning your remodel, prioritize your spending on the renovations that give you the most bang for your buck. Here are a few of our favorites. 1. Entryways A simple coat of paint on your front door can give your house a facelift, but it’s your home’s security that really matters. A steel reinforced door adds nearly 100% of its value when selling your home, while a new garage door can provide an 85% return on investment. With options under $1,000, either will make a great first impression on a buyer and provide peace of mind as to your home’s safety. 2. Decks and Sunrooms Adding a deck provides a seamless transition in and out of your home, … …continue

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Make Your Home’s Equity Work for You

Steve D., joined 2007

Feeling inspired by the Consumers CU Room Redo Pinterest boards to make some home improvements of your own? Make your home’s equity work for you! Rates are as low as .99% APR* for the first six months on new home equity lines of credit with rates as low as 3.25% APR thereafter. Plus, pay no closing costs!  In addition to giving you access to cash for home remodeling and improvements, home equity lines of credit can help you finance new car or boat purchases, college tuition, student loan payoff, travel, a vacation home, and more! How can you put your home’s equity to work? *This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of June 10, 2013. The introductory APR will convert to a variable rate after the first six monthly billing cycles. The variable APR can range from 3.25% – 18.00% APR. … …continue

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Consumers CU Room Redo: Win Cash for Home Improvements!

Pinterest - 2013 07 - ConsumersCU Room Redo[4]

You know that room in your house you’ve been meaning to redo? Follow Consumers on Pinterest this month, and you could win cash to finally update it!* We’re giving away prizes of $1,000, $500, and $250 to three lucky winners. It’s easy to enter. To get started click here, where you’ll be walked through completing the four simple steps to entry: 1. Follow @ConsumersCU on Pinterest. 2. Create a new board and name it “Consumers CU Room Redo.” Pin the contest image to your board so your friends know how they can enter too! 3. Fill out the entry form and click submit. 4. To complete your entry, pin 5 photos of the room you’d like to redo. Tag each image in your board with #ConsumersCURoomRedo. Optional: Pin our home improvement resources to your board too, so you have them when you’re ready to renovate! To accompany the contest, we’ll … …continue

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The Home Maintenance No One Tells You About

Home

Your new car came with an owner’s manual. So did your cell phone and your coffee maker. Most of your purchases do—except what’s likely your biggest: your home. And while most issues, like clogged sinks and dead appliances, will make themselves known eventually, do you know what preventative maintenance is necessary to avoid larger problems? Apartment Therapy recently shared a list of often-overlooked tasks that will keep your home in tip-top shape. Here they are broken down by how often you should schedule them in your calendar. Monthly Clean the dishwasher drain bin – The food bits that accumulate in the bottom of your dishwasher don’t get washed away on their own. Regularly clean out any buildup in the drain to prevent backups. Every Other Month Change air filters – Not only do fresh filters improve the air quality in your home, they make you’re A/C work more efficiently, saving … …continue

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What Documents Do I Need to Apply for a Mortgage?

Sharon A., joined 1993

When you’re looking to buy or refinance your home, you want to work with the specialists who understand where you’re coming from, the ones who can uncover the best financing options to meet your specific needs. At Consumers Credit Union, we offer a range of Custom-Made Mortgages to make your dream of home ownership a reality. As you begin the loan process, your mortgage loan officer will ask you for what may seem like a lot of documentation. It’s not because we want to test your ability to track these papers down—it’s because these documents contain the information that helps us help you make the best choices regarding your loan. If you’re thinking about applying for a mortgage or refinancing your current mortgage, you can get a head start on collecting the necessary documentation with these checklists: Documentation Needed for Purchase Documentation Needed for Refinance Documentation Needed for Construction Here’s … …continue

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