First Northern Credit Union’s Post

OK ok, I know, I stay away from politics on this forum, it keeps the "anti free speecher's unless you agree with me" at bay! BUT this one came from 1 of my sisters and after 5 minutes of vetting the data as I always do, it does appear to be real!! https://lnkd.in/gCM9VVZh #mortgage #mortgages #broker #brokers #mortgagebroker #mortgagebrokers

If you plan to use gift money as a house #downpayment, this article is a must-read. #homebuyingtips

If you plan to use gift money as a house #downpayment, this article is a must-read. #homebuyingtips

Post: Tired of the avocado toast jokes? Well, here's a real tip for saving for a down payment - use gift money! It's like a little boost for your bank account. Ready to kickstart your journey to homeownership? Let's chat! 🏡💸 #HomeownershipJourney #GiftMoneySavesTheDay

Consider using Gift Funds or Seller Assistance when buying a home to reduce the amount of money needed at closing. Gift Funds from family or friends can be used for down payment or closing costs, while Seller Assistance involves the seller paying a portion of closing costs. These options make buying a home more affordable, so discuss them with your lender or agent.

Thinking of Buying a Home? Here's What You Need to Prepare 🏠✨ Embarking on the home-buying journey? Understanding the required documents is crucial. Here's a quick guide to get you started: Tax Returns (Last 2 Years): Essential for all, especially if your income includes commissions, bonuses, 1099s, or if you're self-employed. They provide a clear picture of your income history. Gifted Funds Documentation: Planning to use a family gift for your purchase? You'll need a gift letter and bank statements to confirm. Remember, each home-buying journey is unique, and additional documents may be required based on your specific situation. #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateDocuments #HomePurchasePrep #TaxReturns #GiftedFunds #HomeOwnershipJourney 🏡📑🔑

76 days left in 2024... Where did it go? Here's 8 quick financial wins you can consider before the end of the year. 1. Create a budget 2. Use Black Friday sales to buy your Christmas gifts 🎁 3. Speak to your bank or broker about reducing your mortgage rate 4. Set a target for your emergency fund and make weekly contributions 5. Review your insurances 6. Cancel unused subscriptions ❌ 7. Wait 24 hours before making a large purchase - do you really need it? 8. Review your super performance and fees Small financial changes can make the world of difference in the long run.

A Congressional Advisory Committee just approved Secret Service Protection for Presidential candidate Nikki Haley who is polling 40+ points behind Trump. 😡 This is the same committee that denied Secret Service Protection to Robert F. Kennedy, Jr., whose poll numbers prove he is well within striking distance of winning the White House in November. And, this is the first time in nearly 60 years a candidate has ever been denied Secret Service coverage. The Biden Administration is 100% responsible for denying RFK, Jr. the protection he and his family deserve. Biden’s end game is crystal clear: Drain Kennedy for President campaign funds and stop the movement you and I are building together. 😡 Of the hundreds of horrible decisions made by Joe Biden — this one ranks as one of the dirtiest. #electioninterferenceonsteroids #riggingthegame #antidemocratic Biden’s blatant election interference and orders not to protect RFK, Jr. and his family speak for themselves. Biden wants us out and he and his team will do anything to be reelected.But, make no mistake: our movement is growing stronger and stronger, and with your continued financial contributions, we will defeat Joe Biden and Donald Trump in November. Even if you don't like RFK Jr. or know enough yet, this is a message against the #corruptduopoly. Please give now to help RFK, Jr.’s name appear on the ballot in all 50 states and at least have the democratic process work as it should! https://lnkd.in/gzZenB7B

Utilizing both sides of the balance sheet could help parents gift assets to children in a tax-efficient manner. Learn more how here:

Got holiday cash? 🎁💰 Make it the gift that keeps on giving! Consider using those generous gift funds to boost your down payment. 🏡✨ Lower your monthly payments and find your happy place with smarter home financing. Need the details? Just ask me! I'm here to help unwrap the potential of your festive funds. 🎉🔑 #SmartFinancing #HomeBuyingTips #DownPaymentGoals #GiftFunds #HappyHomeowner #AskMeHow #YourMortgageAdvisor #MortgageAdvisor #FinancialFreedom #RealEstateExpert