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Your credit score is a quantified “trustworthiness score” based on how likely you are to pay a loan back. In the simplest terms, a high credit score = more trust that you’re good for the dough. Therefore banks will charge you less in interest, since you’re a good bet.
If you’re preparing to buy a home, now is a great time to work on increasing that credit score. Even a slightly higher score may result in a slightly lower interest rate, which will result in BIG savings. How, you say? So glad you asked.
Factors that can increase credit score:
Pay all credit card bills on time
Build a history of on-time payment
Don’t apply for new debt (like buying a car)
Keep those credit card balances low!
The minimum credit score for most loans is 620, but the higher the better. During the process, your mortgage lending officer will pull your credit. A hard credit pull is necessary for things like mortgage, credit card, and auto loan applications, whereas a soft credit pull is used for credit report monitoring, pre-approved credit card offers, and employment applications.
For more information on how your credit score impacts your home buying journey, chat with your mortgage loan officer.
Not sure about your current credit score? Check it out at www.annualcreditreport.com.
We are excited to announce that we will be hosting our annual all staff meeting and afternoon of service, "Volunterra" this Thursday from 12:00-5:00 P.M. MDT. During this meeting staff will work together to build kits to help support our community.
Westerra is excited to announce our new financing program called "One- time Close Construction- to- Permanent Loan" which will streamline loan processes for new home construction or renovation projects.
Our Belmar branch staff was happy to have joined the celebration with the Sekulich family of Army Sgt. John Sekulich, who turned 106 years young. Click “Read More” for a link to the interview.
The Board of Directors of Westerra Credit Union is pleased to announce the appointment of Steven Schmidle as its President and CEO, after serving as Acting President and CEO for the past several months.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. government agency. Westerra is only 1 of 3 credit unions recognized on Newsweek's "2024 Best Regional Banks and Credit Unions" annual list.
Equal Housing Opportunity.
Mailing Address:
P.O. Box 9408