Dollars & Sense

Peach State FCU Blog

use this guide to get set up as new homeowners

You Got the Keys…Now What? A New Homeowner Survival Guide

Congrats! You’re a new homeowner! Now what? While this is an exciting time, it can also be a bit overwhelming, especially if this is your first home. No worries – with the help of this blog, you’ll ...

Learn the key differences between a heloc and home equity loan

Home Equity Loan or HELOC? Don’t Decide Until You Read This

Blog Highlights Lump Sum vs. Flexible Access: A Home Equity Loan gives you funds upfront while a HELOC lets you draw as needed. Fixed vs. Variable Rates: Home Equity Loans feature stable payments; ...

middle aged man doing home renovations with dog watching

Budgeting for Home Improvements without Racking Up Debt

Blog Highlights Upgrades can make your home more comfortable, increase its value, and even help reduce energy costs. But without a clear plan, these projects can quickly lead to high‑interest and ...

moving into your new home can be exciting if you plan for it

Saving for a House Is Hard. Here’s the Smart Way to Do It

Blog Highlights It’s More Than Just the Down Payment: Closing costs, moving expenses, and ongoing homeownership costs all add up. Consistency Beats Perfection: A clear savings plan with small, steady ...

happy couple making home renovations

The Best Home Improvement Projects for Spring

Blog Highlights Spring brings the perfect opportunity to breathe new life inside and outside your home. After months of winter wear and tear, many homeowners look for ways to refresh their space, ...

Here are some tips for home buying without stress

Home Buying That Doesn’t Stress You Out in 8 Steps

Blog Highlights Learn how to prepare your credit, savings, and debt so you're positioned for stronger mortgage options. Understand the difference between pre-qualification and pre-approval and why it ...

Buying a home with a single income is possible

Buying a Home on a Single Income: What You Need to Know

Blog Highlights You can absolutely buy a home on one income. Start by knowing your budget, checking your credit score, and getting pre-qualified. Explore mortgage options designed for single-income ...

Here are some new homeowner tips and tricks

Buying Your First Home: Terms, Tips, and Traps

Blog Highlights Master the Mortgage Lingo: Get up to speed on must-know terms – down payment, PMI, escrow, ARMs, closing costs, and more - so nothing slips past you at closing. Budget for the Full ...

find out if in an arm is a good solution for you

Refinancing an Adjustable Rate Mortgage: When it Makes Sense (and When it Doesn't)

Blog Highlights When Refinancing Makes Sense: Discover the key triggers – rising market rates, long-term stay plans, improved credit profiles, and budgeting stability – that indicate it’s a smart ...

1 2 3 4 5