In the past, lenders traditionally required a down payment of at least 20% of the purchase price of a home. Today, many lenders offer loans with lower down payments. In addition, certain private and government entities have low down payment programs.
A real estate agent is a key partner on your home buying journey. In addition to finding you potential homes, they also guide you and advocate for you throughout the process. But how do you decide which one is the right fit for you and your needs? The right real estate agent for you should be familiar with your prospective neighborhood, experienced, and is someone you’ll enjoy working with.
For many of us, November and December kick off a season of celebrating, family, feasting, and yes…spending. The holidays are a chance to make memories, but this can also be a time of financial stress—especially if you wait until the last minute to make plans.
If you don’t really know what you’re looking for in a home, how do you find the right one? Careful planning and consideration of your options can help ensure that you will be happy with the one you select.
In the past, lenders usually required a down payment of at least 20 percent of the purchase price of a home. Today, many lenders offer loans with lower down payments. In addition, certain private and government entities have low down payment programs
We’re partnering with News Channel 12 to honor nonprofit volunteers who make our community thrive. Each month, we’re choosing a different nonprofit and asking them to select a valuable volunteer to receive the SESLOC Cares for Community Award. We’re thrilled to introduce Jennifer Jamison, a volunteer with VTC Enterprises.
So, you’re thinking of going into business for yourself. You have several options available, and all involve some degree of risk. Do you want to create a start-up operation? Perhaps you are planning on buying an existing business. Or, you may be considering the purchase of a franchise operation.
Hosting Thanksgiving dinner this year? Boost your budget by shopping locally and earn bonus rewards points¹ when you use your HomeFREE Checking™ debit or Visa Signature Rewards® credit card at participating Local Rewards² businesses. Points can be redeemed for gift...
If you want to buy a home with your partner, you may be able to qualify for a larger mortgage than if one partner alone applied for the loan.
Things got a little wild at SESLOC HQ this summer — first a bee swarm that took up residence in the southside entrance to our headquarters building, and then we rescued an abandoned baby kitten.
On Friday, October 11, SESLOC returned to Pacific Beach High School in San Luis Obispo for a second year to engage 55 students in the Bite of Reality simulation. This hands-on event immerses students in a realistic budgeting app, providing them with valuable insights into managing finances. Through interactive scenarios, participants learn to navigate the distinction between needs and wants, equipping them with essential budgeting skills for real life.
Did you know that recycling one ton of paper saves 17 mature trees, 7,000 gallons of water, 3 cubic yards of landfill space, and 4,000 kilowatts of electricity? Thanks to members at this year’s SESLOC’s Shred Days at our SLO, Atascadero and Santa Maria branches, we recycled 113 total bins with 17.79 tons of shredded paper— saving 302 trees, 124,530 gallons of water, 53.37 cubic yards of landfill space, and 71,160 kilowatts of electricity!
SESLOC Credit Union is thrilled to introduce the Instant Funds loans, a new short-term, small-dollar loans program designed to support individuals in need of emergency financial assistance. Keeping the credit union philosophy of “people helping people” in mind, we are introducing this product to ensure there is financial support for the underserved and underbanked in the Central Coast community.
On Friday, May 24, over 120 student leaders participating in the Week of Welcome (WOW) program were enriched by a financial wellness workshop hosted by SESLOC at the California Polytechnic State University (Cal Poly) campus in San Luis Obispo. The purpose of SESLOC and Cal Poly providing this workshop was to educate WOW leaders in practical and relevant financial education
On Monday, May 20, SESLOC Credit Union hosted a hands-on, real-world living and budgeting simulation event for 70 students at Central Coast New Tech High School in Nipomo. For this event, SESLOC partnered with Bite of Reality, an app that presents real-life scenarios of maintaining a budget, to improve the financial health and wellness of the Central Coast.