Let's Get You Home!


I heart renting (said no one ever)



It's so good to be home

You remember how psyched you were when you got to sign the lease for your current apartment. Especially finding a place that meets your specifications can be like searching for the holy grail, once you find that perfect spot, you hold on tight.

That makes sense. But even if you’re happy paying rent for your place now and have been for the last several years, you might have moved up in your career since then, or you’re thinking about having a kid and need a place that’s closer to school districts. Plus, depending on marketing conditions, putting that rent money toward owning a place would likely become a great investment.

If you’ve been thinking about buying your first home, now could be a great time to take the plunge. When interest rates still being at an all time low, locking in a rate on your mortgage early can be a cost-saving move. Also, as rents continue to climb, you might be ready to invest that monthly check in something that can appreciate in value.


 Questions? Call our Mortgage Team today at 860-854-6807!



Rent vs. Buy

How do I know when I'm ready to buy a home?

Buying your first home is a huge investment, but that doesn’t mean it’s a purely financial decision. You may be seeking more space for your growing family, or craving the community aspect of living in a suburb, or maybe you’re just feeling ready to achieve that major milestone of being a homeowner. That said, it helps to start with an objective framework that will help you answer the question, “Am I financially ready to buy?” before factoring in the emotional reasons. Here are four signs the answer may be yes.

  1. Your budget is big enough to cover the down payment, mortgage payments and associated homeownership costs, including property taxes and maintenance fees.
  2. You plan on staying put for a while, giving your home a chance to possibly appreciate in value.
  3. You have good credit, which can help you get a lower mortgage interest rate.
  4. Rents in your area are high relative to home prices.

After you’ve assessed the questions above, you hopefully have a better idea of whether buying a home makes sense from a financial perspective. Now you can consider the emotional perspective. For example, do you crave the independence of owning your own place? Are you dying to have control over paint colors and tile choices? And are you willing to live without your landlord (and their visits to fix your broken heater)?


 Questions? Call our Mortgage Team today at 860-854-6807!



Seasons FCU offers a variety of mortgages to meet your needs

Once your search begins, one of your first decisions will be what kind of mortgage loan you want to take out. Most mortgage loan products has their own unique advantages, but the key is to choose the best option for your particular situation.

  • Seasons FCU wants to help you become a homeowner sooner. That’s why we offer first mortgage loans with as little as 3% down.  
  • Convenient mortgage online application. You can complete your application and obtain an approval in just twenty minutes.
  • No hidden fees or prepayment penalties. Typical applications take around 30 days to close.

Different types of home loans offer various pros and cons. Consider your financial goals and your long-term plans, then choose a mortgage option that best supports those goals. If you're not sure, we can help. 

 View current rates


 Questions? Call our Mortgage Team today at 860-854-6807!



Making mortgages simple

Buying your first home can be a daunting experience, so it’s understandable that a difficult and restrictive mortgage process would be a big barrier to entry. But when the process is fast, easy, and designed to help even first-time home buyers qualify for more financing, the process of buying a home can actually be a positive experience.

At Seasons FCU, we’re all about making the hard stuff seem easy. A Seasons FCU mortgage allows our members to focus on the fun of achieving that next big milestone. Because, let’s face it, that’s really what it’s all about.

Ready to get started? Talk to us today. We’ll help you discover whether 2020 is the year you make your dreams of homeownership a reality.



Couple looking out window at new home




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Seasons Federal Credit Union NMLS ID# 44185
Seasons Federal Credit Union Loan Officer's NMLS ID Information (PDF)

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