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Life moves pretty fast. Interest rate shifts. Stock market surges. Rising healthcare costs. The news that affects your personal finances can move fast. Our Advantage Insights blog posts offer the type of information you'll need to make smart financial decisions for you and your family. By staying in the know, you can take steps to make your life easier.

Buying a home is a significant accomplishment in your life. As you’re separating your wants from needs and finding the perfect home for you in North Carolina, spend some time understanding your mortgage options. Most lenders offer two basic types of mortgages, fixed-rate mortgages and adjustable-rate mortgages. While you will likely find different loan options within those two ...

When it comes to getting a mortgage, the process can be overwhelming. And, taking on a mortgage is likely the largest expense you will incur. If you want some insider information that big banks won’t tell you when it comes to saving money on your mortgage, explore these few tricks of the trade from your friendly Piedmont Advantage Credit Union mortgage representatives. 1. Payi ...

Ready to get a mortgage in North Carolina? Then you’ll need to gather your paperwork. Here’s a helpful mortgage checklist to help you and your co-borrower prepare to file your mortgage application. Bank Statements: You’ll need your most recent bank statements for the last three months for your checking, savings, and investments. These can be printed from your online statemen ...

Having your own home is an exciting milestone in your life. Owning that home is part of the American Dream, yet for some, renting is the best decision. If you’re struggling with the decision to buy a home in North Carolina or rent, you’re not alone. Explore the many financial and emotional factors that will help you decide which option is best. Consider the Finances Behind Buy ...

When you’re looking at houses for sale in North Carolina it’s easy to get wrapped up in the details of the home instead of looking at the big picture. You see it all the time on house-hunting TV shows when people complain about a room because of its fuchsia walls, without realizing they can just repaint it inexpensively and effortlessly. Homebuyers can get so excited about a bu ...

Before you start shopping for a home, you’ll want to understand how much you can afford to spend on a mortgage. A good first step is crunching some numbers to figure out potential monthly mortgage payments. Our Home Budget Calculator can be a good place to start. Once you calculate your desired monthly mortgage payment, you’ll be better equipped to select the best mortgage and ...

FOR IMMEDIATE RELEASE  Piedmont Advantage Credit Union Names Dion L. Williams President and Chief Executive Officer Winston-Salem, NC May 20, 2019. For Immediate Release – The Board of Directors of Piedmont Advantage Credit Union has appointed Dion L. Williams as President and Chief Executive Officer of the $356 million credit union that has over 40,000 members across North ...

Before you start shopping for a new home or make an offer on a house, it’s smart to get pre-qualified or pre-approved for a home loan. Not all mortgage lenders require you to go through the prequalification process, and some people opt to skip this step. However, to show sellers that you are an attractive – and qualified – buyer, it’s in your best interest. Here’s the differenc ...

A common step for many prospective homeowners is to boost their credit score so they can qualify for a home loan. Many people wonder what credit score they need to buy a home in North Carolina. And the answer is – it varies by lender and type of loan. The general principle is that the higher your credit score, the better interest rate you’ll receive because you look less risky ...

Congratulations! You’ve decided to buy a house, one of the largest purchases you will make. Whether you’re looking to get out of the rental market, expanding your family or downsizing, homebuying can be a stressful experience without a proper checklist. The house-hunting step of this journey can be the most exciting, but don’t get too carried away because there’s much more to ...

Piedmont Advantage Credit Union in North Carolina offers valuable banking solutions including checking accountssavings accountsmortgagesauto loansCDsIRAs and more. Bank online, with our mobile app, or visit one of our conveniently located branches in Winston-SalemEdenMooresvilleCharlotteGreensboroWilmington and Kenansville, NC.

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