money matters, just for you

What you need to know to keep your home in tough economic times. 

Worried about being able to make your mortgage payment now or in the future?  Get the answers and resources you need to solve your mortgage problems with the “Right at Home” video and website.  Right at Home is an educational video and resourceful website to help challenged homeowners avoid foreclosure.  Experts in the field of housing counseling, mortgages, and money management have joined together to provide the information and resources you need to successfully manage your mortgage and your money.   You will be able to develop a plan of action so that you can find the right mortgage for your budget, refinance if needed, and negotiate with your lender – all while protecting your credit rating and avoiding fraud.   The video also features real homeowners who share their experiences to find long-term solutions and avoid foreclosure.   Additional resources on the website include a downloadable workbook and referrals to local non-profit housing counselors.

Right At Home 

Right at Home is brought to you by America’s Credit Unions with funding from an Innovation grant from the National Credit Union Foundation in partnership with the Michigan Credit Union League, Michigan Association of United Ways and Michigan State University Extension. 

Don’t forget to visit the mortgage department of your credit union to have us review your current mortgage to see if we can help you get into a more comfortable payment. 

Bank Accounts and Services

•  5 Tips for Protecting Your Checking Account
•  Consumer Guide to Check 21 and Substitute Checks
  •  ESPAÑOL  Guía del consumidor sobre Check 21 y cheques sustitutos
•  How to File a Consumer Complaint about a Bank
  • ESPAÑOL  Cómo puede un consumidor presentar una queja sobre un banco
•  Protecting Yourself from Overdraft and Bounced-Check Fees
  •  ESPAÑOL  Protéjase de los cargos por cheques rebotados y sobregiros
•  What You Should Know about Your Checks
  •  ESPAÑOL   Lo que usted debería saber sobre sus cheques
•  When Is Your Check Not a Check? Electronic Check Conversion
  • ESPAÑOL  ¿Cuándo no es su cheque un cheque? Intercambio electrónico de cheques

Consumer Credit

• Choosing a Credit Card
• Consumer Handbook to Credit Protection Laws
• Your Credit Report: What it Says about You
  (on the web site of the Federal Reserve Bank of San Francisco)
• Identity Theft
• National Resource for Identity Theft 
  (on the web site of the Federal Trade Commission)
• Identity Theft
  (on the web site of the Federal Reserve Bank of Boston)
• Internet Pirates Are Trying to Steal Your Information 
  (on the web site of the Office of the Comptroller of the Currency)
• When a Criminal's Cover Is Your Identity 
  (on the web site of the Federal Deposit Insurance Corporation)

Leasing

• Keys to Vehicle Leasing: A Consumer Guide
  • ESPAÑOL  Arrendar un vehículo: Guía del consumidor

Mortgages

• A Consumer's Guide to Mortgage Lock-Ins
• A Consumer's Guide to Mortgage Refinancings
• A Consumer's Guide to Mortgage Settlement Costs
• Consumer Handbook on Adjustable-Rate Mortgages (ARM)
  • ESPAÑOL  Guía para el consumidor sobre hipotecas a tasa ajustable (ARM)
• Home Mortgages: Understanding the Process and Your Right to Fair Lending
• Interest-Only Mortgage Payments and Payment-Option ARMs--Are They for You?
• Looking for the Best Mortgage: Shop, Compare, Negotiate
  • ESPAÑOL Buscando la hipoteca más favorable: Compare, Verifique, Negocie
• Mortgage Comparison Calculator
• Putting Your Home on the Loan Line Is Risky Business
  • ESPAÑOL  Utilizar su hogar como garantía para un préstamo es arriesgado
• What You Should Know about Home Equity Lines of Credit
  • ESPAÑOL  Lo que usted debería saber sobre las líneas de crédito con garantía hipotecaria

personal Finance

• Building Wealth: A Beginner's Guide to Securing Your Financial Future
  (on the web site of the Federal Reserve Bank of Dallas)
• Mymoney.gov
  (Federal government educational web site)
• Personal Financial Education
  Resource materials and tools (on the web site of Federal Reserve Education)
• Privacy Choices for Your Personal Financial Information
• 66 Ways to Save Money 
  (on the web site of the Federal Citizens Information Center)

 (preceeding information taken from www.federalreserve.gov)

Change the Way You Think

Each of the 13 Lessons deals with a different topic that will change the way you think about personal finance. Dave teaches about how to save money, live on a budget, communicate about money, eliminate debt, find bargains, and experience the joy of giving.

Proven Success

Over 650,000 families have completed FPU with amazing success. On average, they pay off $5,300 in debt and save $2,700 in just 13 weeks. That's an $8,000 change in position in just 91 days!

Class

Next class coming, check back soon for more information!

 know your score

You can get one FREE credit report per year from the three national credit bureaus; Equifax, Experian and TransUnion. Monitor changes to your report and know your credit score to be sure your sensitive credit information is secure. To request your FREE report, visit www.annualcreditreport.com, or call 877.322.8228. We suggest you only request one report at a time, that way you can get one every four months.

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