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.
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Home Loans
How to Boost Your Credit Score Ahead of Your Home Loan Preapproval
When it comes to buying a house, poor credit can limit your opportunities and result in higher interest rates and bigger payments. But with a little planning, you can boost your credit score ahead of your home loan pre-approval so you’ll be ready to make an offer on your dream home.
7 Ways to Use a Home Equity Loan
A Home Equity Loan leverages the equity you’ve built in your home to get access to funds at a lower rate than other loan types. A Home Equity Loan is a closed-end loan, meaning you get a lump sum and repay it with interest over a specified term.
8 Ways to Use a HELOC
Your HELOC provides more flexibility to support your goals than other loan options due to the low adjustable rate, no minimum advance requirements, no prepayment penalty, and flexible repayment terms.
5 Tips for Buying a Home in a Seller’s Market
It’s a seller’s market out there — between historically low interest rates and low inventory, prospective home buyers are facing stiff competition. In our local market, homes are getting dozens of offers within just a few days of listing. Our partners at GreenPath Financial Wellness recently presented a webinar with insight into buying a home in this competitive market. In case you missed it, here are 5 tips for buying in a seller’s market:
Frequently Asked Questions About Mortgage Refinancing
Refinancing your mortgage might seem daunting, but a refi can lower your monthly payment or save you money with a better interest rate. We’re answering the most frequently asked questions about refinancing below,
FAQ: How Do I Manage the Accounts for a Deceased Member?
It can be difficult to know where to begin when you’re handling someone else’s financial affairs. Below you’ll find the answers to the most frequently asked questions, and we’re here to help in the branches or at (805) 543-1816 during this challenging time. We also recommend you contact your legal advisor for assistance, as needed.
How Can I Insure My Possessions During a Move?
There are several ways to insure your possessions while you’re moving. Perhaps your current homeowners policy includes coverage for your personal property during a move. The policy may cover your possessions at the new location for a limited time, also. The same coverages, exclusions, and deductibles apply while you’re moving as they would for a regular homeowners claim.
HELOC vs Home Equity Loan: What’s the Difference?
One of the benefits of homeownership is equity. A Home Equity Line of Credit (HELOC) or a Home Equity Loan (also know as a second mortgage) allows a homeowner to borrow money using the home’s equity as collateral.
Home Buying: What to Expect from the Inspection
A home inspection is an important part of the buying process where an objective third-party performs a visible assessment of the property’s condition so you can make an informed decision about your purchase. After all, it’s one thing to plan for a fixer-upper and another to be surprised and saddled with expensive repairs. Here’s what you can expect from the inspection:
Recent News
From Your CEO: Giving Back Over $225,000 to Expand School Budgets – Winter 2026
From all of us at SESLOC, we hope your holiday season was enjoyable and that you are looking forward to a prosperous 2026.
2025 in Review: Going Above and Beyond to Better Serve Member-Owners
SESLOC members saved more time, money, resources, or when out in the community. It’s a win-win! Here’s what we did together in 2025.
SESLOC Preferred Dealer Program Expands to Fresno County
Starting December 5, 2025, SESLOC is welcoming 15 new dealerships to the Preferred Dealer Program in Clovis, Fresno, and Selma.
Say Hello to Your NEW Level Up Dashboard
Log into Online Banking and look for the Level Up dashboard to see your current points and benefits in our easy-to-read charts.
SESLOC Members Break Shred Day Record in Tenth Year
For all of 2025, members shredded 191 bins at our six events across the Central Coast, for a grand total of 17.95 tons of documents destroyed.