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Is It a Good Time to Take the Homebuying Plunge?

Home prices continue to climb at precipitous rates, fueled by competitive bidding wars and a demand that far exceeds supply. On top of that, mortgage interest rates are on the rise again as well. Does it even make sense to buy a home these days? As with any housing market, that depends on your situation, and the answers to these questions: Are y...
Planning Your Future Owning a Home

What to Buy and What to Skip in May

Warm up your wallets. Or maybe your smartphone, for super easy digital banking . The month of May brings summer into full view and is capped off with Memorial Day—a weekend retailers like to put their good deals into orbit. Despite inflation, high gas prices, and supply chain issues, there are smart buys for consumers this month. The best time t...
Forming Money Habits

7 Tips to Protect Yourself When Buying a Used Car Privately

When you buy a car, you expect certain things. Purchasing a car from an auto dealer means you will be at least somewhat protected if something happens with the car and can feel some peace of mind that the car’s title is clean. These buyer protections are due to certain regulations that protect consumers.  Unfortunately, not everyone plays by the...
Buying a Vehicle

Homeowners Can Put Equity to Work With a HELOC

As any savvy homeowner will tell you, protecting the investment in your home is a crucial part of ownership. After all, a home is likely the largest investment many of us will make. While upgrades, renovations, and additions often help maintain or even boost a home’s value, these undertakings can be costly.  Thankfully, with the Oregon real esta...
Planning Your Future

Is the Time Right to Refinance Your Commercial Loan?

As interest rates hovered below what once was considered the “glass floor,” first mortgages and commercial real estate loans, as well as refinances (even multiple refis ) followed in droves. Now that rates have crept back up, does it still make sense to refinance? That all depends on your situation. Let’s explore some reasons why it may or may n...
Planning Your Future

5 Things to Know About Commercial Loans

Thinking about a commercial loan? Here are five things you should know: 1. Commercial loans aren't one-size-fits-all And there are different types of loans depending on your goals. As a business owner or investor, you may have a variety of needs to take your business to the next level, so one type of loan may not cover the entire spectrum.  Ther...
Planning Your Future

Before You Sign Your Auto Loan

Congrats on deciding to buy or trade up! This could be the start of some exciting changes—more mobility, mobility in more style, perhaps the convenience and comforts of technology from the current century. But one change that’s likely is the additional financial responsibility.   “Just like modern cars, financing can be very complex,” says Jerry...
Buying a Vehicle Planning Your Future

The 3 Signs You're Ready to Buy Your First Home

Despite those mental (and financial) hurdles, there are plenty of reasons to become a homeowner. Homeownership can build wealth over time and grant tax deductions you’d never see as a renter. Also, interest shrinks as a mortgage is paid off, while rent costs tend to grow. 

Planning Your Future Owning a Home

The Ins and Outs of Credit

What is credit? And why does it matter? By definition, credit is the ability to borrow money or access goods and services with the promise that you’ll pay it back later. Credit is an integral part of your financial power, and fully understanding how it works will help you build a solid history that will open doors and advance your goals. While...
Mastering Credit

Quicktips: The Trick to Faster Mobile Deposits

Have you ever had a mobile deposit held up for "review"? Here are some tricks to make sure your money shows up in your account right away.
Forming Money Habits
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