When you consider major life events – like buying a home – let Embark help you answer the big questions!
- Is my credit score high enough?
At Embark, we know that a home is one of the largest financial obligations you’ll ever take on. Did you know that your mortgage interest rate is directly related to your credit score? The lower your credit score, the higher your interest rate will likely be. Our team will review your credit history and credit scores with a tri-merge report and help you boost your scores, before you think about buying a home.
As part of our review, we’ll review your current debt situation and see if you need to make any adjustments in order to qualify for a home loan.
- How much house can I afford?
Talk to our experts at Embark Credit Union so that you understand all the costs of homeownership. We’ll start with down payment considerations, move into what you need for your escrow balance and plan ways to build your emergency savings fund.
We’ll help you understand property taxes and insurance. We’ll help you plan for maintenance and upgrades to the home. We'll help you plan for the cost of utilities in your home, so that you know you have the budget to make it all work.
- How long do you plan to live in this home?
What are your future plans and goals? Do you plan to expand your family in the near future? Will you change jobs or possibly need to relocate for work? We’ll talk about these possibilities, too, to help with your decision.
Stress less and call us at 1.406.727.7300. Now, let the excitement begin!