La Cap in the News

Have you ever wished that you had a more substantial backup plan for your finances—one that you could really count on, control and manage — all without detracting from your other financial responsibilities? If you’re a homeowner, a home equity line of credit (HELOC)* could be just what you’re looking for. You get access to a significant level of funds for an extended period of time, with the power to decide when and how you use that money.

When you’re trusting a financial institution with your money, it’s ok to be a little picky. Everyone’s anxious to tell you what you should want, but you need to be certain that the place—and people—that you choose will actually serve your needs.  You may also think that a bank is your only option. After all, they market and promote their traditional format as if it is. But that’s not the case at all.

We all wish that we could earn, win or find more money. We all wish that we could hold onto more of what we have and spend less of what we don’t. Unfortunately, all too often the story of our money is easy come, easy go.

When looking for your new home, it’s important to see the whole picture. Here’s a few questions to ask yourself to get the most out of your search.

Getting a mortgage is about more than having your offer accepted and signing on the dotted line. Doing the proper research and being prepared before approaching a financial institution is key to a streamlined loan application experience. Make your process smoother by considering these five steps before you apply for a loan.