SONYMA MORTGAGES

Take a close look at where your money goes each month. Are there areas like streaming subscriptions or frequent dining out where you could cut back? Redirecting even small amounts toward your savings can bring you closer to your down payment goal faster.

Your credit score plays a big role in the mortgage rate you’ll qualify for. Stay on top of it by paying bills on time and keeping credit card balances low. A stronger score can mean better loan terms and more home for your money.

Start researching home prices in your area to get a realistic sense of what you can afford. Knowing the median home value helps you set a clear savings target and plan with confidence.

We’re here for you, you don’t have to figure it all out alone. AmeriCU’s certified financial counselors are ready to guide you from the moment you decide to start saving. Whether it’s budgeting, credit tips, or understanding mortgage options, we’re just a conversation away.