First-Time Home Buyers are on the move

Spring 2013
First-Time Home Buyers are
on the move
It is a buyer’s market. With an inventory of homes
available many below market prices, it is a great time for
First-Time Home Buyers to get a deal. Before you line up
your buddies to move your stuff, even before you start
looking for your first home, it is important to get your
financing in order. After all, buying a home is one of the
biggest purchases you will ever make.
Things to keep in mind
Mortgage lenders will generally be looking for borrowers with credit scores of 640
and above. You should also expect to pay at least 3% to 5% for a down payment.
The funds for the down payment can come from your own savings or as a gift.
With today’s low interest rates, first-time home buyers are often finding that their
monthly mortgage payments are similar to what they were paying in rent.
NO-FEE HOME
EQUITY LOAN
!
No Fees
!
No Closing Costs
Available for a limited time. Apply
today at (815) 729-3211 or visit
numarkcu.org.
Choosing a mortgage lender
While first-time home buyers are enjoying more buying power, there are many
financing options to consider. Working with a trusted mortgage lender is as
important as finding the perfect Realtor. You should feel comfortable with your
lender. Make sure they are taking the time to fully answer all your questions. A
good mortgage lender will focus on your best interests and offer mortgages that
will best fit your needs.
Information is power
When you decide on a mortgage, your Realtor can show you homes in your price
range. Once you find the perfect house, your Realtor can help you make an offer
and negotiate the best price. When you have an accepted deal, your trusted
mortgage lender will make sure you have everything you need, so there will be no
surprises at closing. After that, it is time to call your buddies and get moving.
To learn more about financing your first home, we have information
available on our website at numarkcu.org. Our experienced mortgage
lenders would also be happy to assist you. Call (815) 729-3211 and
ask for Harry, Eric or Jeff.
Joliet
P.O. Box 2729
1654 Terry Drive (off Rt. 6)
Joliet, IL 60434
Countryside
9809 W. 55th Street
Countryside, IL 60525
Crest Hill
2380 Caton Farm Road
Crest Hill, IL 60403
Tinley Park
8001 W. 159th Street
Tinley Park, IL 60477
www.numarkcu.org
(815) 729-3211
(708) 429-8590
Turn Retro...
into Awesome!
No-Fee Home Equity Loan
Free Visa Debit Cards
-Activate Your Free Debit Card and Save
One of the money-saving benefits
of your Free Checking account is
the Free Visa Debit Card. Use your
Debit Card to make purchases
right from your checking account
to purchase groceries, pay at the
pump, buy online and more.
Select “credit” when you make
your purchases and you will receive
Visa’s protection including zero fraud liability and charge
back rights for disputed transactions.
Select “debit” and use your PIN to get cash back with
your purchases to avoid ATM fees.
To activate your Debit Card, call the number on the card
and select your own PIN. If you have any questions, call
(815) 729-2311 and we will be happy to assist you.
Ready to Get Away?
-Our Vacation Loans will get you there.
“What did you do on your summer vacation?” that is a
question all of us heard growing up. Summer vacations
are a great way to take a well-deserved break and build
some lasting memories.
Many families will explore the country, hit the beaches,
see the mountains, camp by a lake or enjoy amusement
parks. Some will get together for family reunions, visit
historic sites or venture out on mission trips. Others may
enjoy a romantic getaway, time together with friends or
just popping open an ice-cold beverage at the ballgame.
Of course, the best summer vacation is the one that is
best for you. Whether your destination
is a few miles away or few thousand
miles away, we can help you get
there with a Vacation Loan. With
our low rates, we can save you
money, so you will have more
to spend on your trip.
Apply today. Give us a call
at (815) 729-3211 and then
start packing your bags.
FREE
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D’Arcy Buick-GMC and
NuMark Credit Union are teaming up for
TTHREE-DAY
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SPRING
PR I N G
SAVINGS
SAVING
SA
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EVENT!
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SPECIAL NUMARK CREDIT UNION PRICING
AND LOW-RATE
LOW-RATE FINANCING FOR THIS EVENT!
for more details visit www.numarkcu.or
www.numarkcu.org
Our No-Fee Home Equity Loan is back! With no closing cost or fees, now is the time to realize
your dreams. Turn your backyard into an oasis. Change your basement into game day central.
Replace those old drafty windows. Where you start is up to you! Just pick your project, and we
will help you make it happen. The No-Fee Home Equity Loan is perfect for paying for college
tuition and consolidating your debt too. Apply today.
Call (815) 729-3211, apply at numarkcu.org or on NuMark Mobile.
Apply Now.
Open to qualified borrowers. Some restrictions apply. Offer subject to change without notice. Maximum LTV 80% less other liens. Offer available for 5,7 & 10 year fixed-rate,
closed-end home equity loans and Home Equity Lines of Credit. Must be in process by June 15, 2013. Interest may be tax deductible. Consult your tax advisor.
The Current Trends in Home Improvements
The weather is starting to warm up and the season of
home improvements will soon be here. Many consumers
are finding ways to give their old house a new look as well
as improve energy efficiencies and resale values. Here are a
few current trends:
Replacing Old Windows – Not only will old windows
detract from your home’s appearance, they will suck
money well... right out the window. Energy efficient
windows will dress up your space and also help save
money on your heating and cooling bills.
Updating the Kitchen – Most of us spend a lot of time in
the kitchen. Updating appliances, redoing countertops and
reorganizing your kitchen will allow you to enjoy your home
more and it will improve its resale value.
Improving Your Home’s Exterior – Curb appeal is one of the
biggest selling points of your house. As they say, you never
get a second chance to make a first impression. Repainting
the trim, updating the front door, replacing the garage door,
even redoing your driveway can help your home’s exterior
look clean and inviting.
Revitalizing Your Look – Repainting bedrooms, installing
new blinds, updating the floors, purchasing new furniture,
replacing backsplash tiles and older fixtures in your
bathroom can give your home a refreshing new look.
Refinance Your
Auto and Save
Home Improvement Apps – If you are tech-savvy
do-it-yourselfer, check out these popluar apps: iHandy
Level, eHow and Handy Man DIY.
Uncle Sam Helps Out – Some energy efficient home
improvements can help you save money on your taxes.
The Federal Tax Credits for Consumer Energy Efficiency
have been extended through December 2013. Consult
your tax advisor for more information.
No matter which projects you choose, we can help you
save money on the financing. Our No-Fee Home Equity
loans are back for limited time for both Fixed Home Equity
loans and Home Equity Lines of Credit. To find out more
call us at (815) 729-3211 or apply online at numarkcu.org.
Did you know you can often save
money by refinancing your auto loan?
If you financed your auto outside of NuMark
Credit Union, we can probably reduce your
monthly payments even if you just purchased
your vehicle. Call us today at (815) 729-3211
or apply online at numarkcu.org.
Training New Bank at School Tellers
NuMark Credit Union hosted a
training session for seven new
Bank at School Tellers from
Rockdale Elementary School.
Pictured here, students get
ready to play Financial Bingo
using pennies as markers to
review important concepts.
They are ready to help fellow
students make deposits and
save their money right at school.
CONTACT US
Mortgage Line . . . . . . . .815-744-6767
L to R: Jaycee Jarosz, Valerie Reyes, Aaron Heldt, NCU Marketing
Specialist, Anna Moya, Adrian Pizano. Student Tellers not pictured:
Stephanie Miller, Mariah Nunez and Ryah Olson.
President’s Club Inductees
L to R: Becky Wittenborn, Lisa Bruton, Ann Dubie (President
and CEO) and Kari Hopper. Sarah Kozel not pictured.
Congratulations to our recent
President’s Club Award winners
who were chosen for their hard
work, dedication and outstanding
service to our members:
Becky Wittenborn (Sr. Teller),
Lisa Bruton (Financial Service
Rep), Sarah Kozel (Financial
Service Rep) and Kari Hopper
(Accounting Mgr).
Celebrating 25 Years with NuMark CU
We are proud to announce that
Tammy Scheidt is currently
celebrating her 25th year with
NuMark Credit Union. Tammy
works everyday to help our
members and to improve their
financial lives. She is truly an
asset to all of us and we are
grateful for her service.
AROUND THE CLOCK ACCESS
Audio Response . . . . . . .815-729-6328
Outside Chicagoland. . .800-846-0968
ON THE MARK QUARTERLY NEWSLETTER
Sr. Editor: Kari Endres
www.numarkcu.org
815-729-3211 or 708-429-8590
HOURS
CREST HILL & TINLEY PARK
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JOLIET & COUNTRYSIDE
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HOLIDAY CLOSINGS:
Memorial Day . . . . . . . .Monday, May 27
Independence Day . . . .Thursday, July 4
Let us help you rebuild your financial
life and restore your financial stability
in 2013 and beyond! Call us for free
confidential advice.
L to R: Ann Dubie (President and CEO), Tammy Scheidt
Your savings is federally insured to
at least $250,000 and backed by
the full faith and credit of the United
States Government. The National Credit Union
Administration is a U.S. Government Agency.