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In order
to view, navigate and print (PDF)files, you will need .
NOTE:
The attached worksheet is intended to be used only as a guideline to assist
in preparing your budget.
- Budget
Worksheet
- Mortgage
Ratio Worksheet
- Before signing for
your loan, make sure you read the entire contract.
- Do not sign the contract
if it contains any blanks.
- Make sure the annual
percentage rate is the rate quoted to you.
- You must make payments
on time or you may be subject to penalties and/or legal action.
- Make sure you understand
the loan contract.
Title
Insurance Consumer Tips
Title insurance is
recommended on all real estate transactions to protect all the parties
involved.
Charges for title
insurance and related services vary and are competitive. Shop around
for the best price and service available.
Remember to always
carefully read what you are signing.
- If you would like
to be a member of a credit union, you should do some shopping between
different credit unions for services offered, hours of operation and
location.
- Remember, you can
only join a credit union if you are part of its field of membership.
- Make sure you read
all account agreements carefully prior to signing.
- Carefully read the
disclosures of all loan documents to determine how much interest you
will pay over the entire life of the loan.
- Obtain the credit
union's annual report to assess the financial condition of the institution.
- Make sure you review
all newsletter notices mailed to you by the credit union to be informed
about potential increases in fees assessed, or changes in the credit
union's rates of interest on loans, credit cards, or the date and location
of the credit union's annual members meeting.
- For further information
concerning the credit union you can also request a copy of the credit
union's bylaws.
- Have proper identification
such as a drivers license, state-issued identification, passport or
military identification.
- Instruct the teller
to completely fill-out the money order, i.e. remitter and payee.
- Save your yellow
money order receipt or receipt stub.
- Count your money
before leaving the window.
- Secure your money
before leaving the currency exchange.
- Consider obtaining
a "Safety Money Order" such as a money order made-out to yourself.
- Ask about the fee
before initiating the service.
- Check that fee against
the fee chart posted in the lobby.
- Save all stamped,
paid bills and receipts showing the currency exchange's name and date.
- Bring all your license
work receipts, including the window receipt, when picking-up license
work processed by the currency exchange.
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