From Application to Closing: the Step-by-Step Home Loan Journey

Outsmart Fraudsters: Scams Happening Right Now

Today's scams use real names, real cities, fake bank texts, and even phone calls that sound legitimate. In this episode, we break down the fraud tactics happening right now and the small habits to help protect your money and personal information. We talk about:• fake bank texts and phone calls• check washing and mail theft• skimmers at gas pumps and ATMs Slow down. Verify first. Trust your gut. Learn more: https://www.tvacreditunion.com/fraudtips.html🎧 Subscribe for more real conversations about money, fraud, and financial wellness from KTVAECU®. FOLLOW US: Instagram: / tvacreditunion Facebook: / tvacreditunion TikTok: www.tiktok.com/@tvacreditunion Website: tvacreditunion.com Money Moves by KTVAECU®. Federally Insured by NCUA. #FraudPrevention #ScamAwareness #KTVAECU

From Application to Closing: the Step-by-Step Home Loan Journey

Buying a home is one of the biggest steps you’ll take. In this episode, we walk through the home loan process from start to finish with experts who guide you: a loan officer, an underwriter, and a loan processor. You’ll hear what actually happens after you apply, what lenders look for, and how you help move your application forward in the process.If you’re buying your first home, ready for your next move, or just want a clearer picture of how it all works, this conversation is for you!00:00 Welcome to the Homebuying Process01:30 Meet the Loan Officer: The Application04:23 Documents You’ll Need (and What Surprises People)14:10 What to do Before You Apply21:32 What an Underwriter Actually Does22:28 What Really Matters in a Loan Decision25:59 Common Myths About Credit and Approval33:54 Loan Servicing Explained 37:27 What Escrow Is and Why It Matters41:18 Why Your Payment Increases44:19 Reach Out to Us👉 Learn more about home loans at KTVAECU: https://www.tvacreditunion.com/borrow/loans/home-loans.htmlHave a question about the home loan process? Leave it in the comments.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comMoney Moves by KTVAECU®. Federally Insured by NCUA. APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. All interest rates and APRs shown are subject to change without notice.#HomeLoan #MortgageProcess #KTVAECU

The Scoop on IRAs: Roth vs Traditional Explained

We sit down with an IRA expert to break down what Individual Retirement Accounts are and why they matter. We walk through Roth and Traditional IRAs in simple terms, explain when taxes apply, and talk about why time matters more than the amount.Inside this episode:• What an IRA actually is• Roth vs Traditional in plain language• Why time beats starting big• How IRAs work with freelance or changing income🔗 Learn more: https://www.tvacreditunion.com.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comMoney Moves by KTVAECU®. Federally Insured by NCUA. Some restrictions may apply. All rates and offerings subject to change. This content is intended to provide general information and shouldn't be considered legal, tax, or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation. Ask for details. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate.

Debt Consolidation: What to Know Before You Commit

Simplify your monthly bills into one payment with a debt consolidation loan. It offers clarity when your bills may feel scattered. Join us as we chat with Stacie, our debt consolidation loan expert, to explain how debt consolidation loans actually work. Plus, learn what debt to combine and how good money habits help you succeed. 🔗 Learn more: https://www.tvacreditunion.com 00:00 New Year's Resolutions 06:33 Meet our guest, Stacie, KTVAECU® Debt Consolidation Loan Expert 07:59 What Debt Consolidation Really Means 10:07 When Debit Consolidation Makes Sense 11:10 Best Things to Ask Your Loan Officer 11:30 Breakdown of Loans14:06 Habits to Establish After a Loan 15:53 Credit Score Impact 19:20: Coin Toss 23:48 How to Reach the Show FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comFederally Insured by NCUA. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Money Moves by KTVAECU.

Fight Card Fraud: Holiday Credit & Debit Tips

Card fraud shows up fast during the holidays, and it often targets people during busy moments. We sit down with a Card Fraud Expert to explain the tricks scammers use, the signs that deserve your attention, and the tools to help you keep your money more secure. Plus, hear which one of us hit a major money win at age 26. If you want a clearer path for credit and debit safety during the holidays, this episode is for you! 🔗 Learn more: https://www.tvacreditunion.com 00:00 Holiday Intro and First Guest 00:39 Meet our guest, Maranda, KTVAECU® Card Fraud Expert 01:47 Why Card Fraud Spikes in the Holidays 04:52 Most Common Holiday Scams 08:09 Real Scam Stories 11:38 Early Warning Signs in Calls and Messages 14:22 Practical Tips to Keep Cards Secure 21:58 Digital Wallets and Tokenization 28:27: Coin Toss 29:18 Money Win: First Home at 26 32:58 How to Reach the Show Federally Insured by NCUA. Available to qualifying Members. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. All interest rates and APRs shown are subject to change without notice. View credit card disclosure at tvacreditunion.com/credit-card-disclosure. JCPenney is a trademark of J.C. Penney Corporation, Inc. Amazon is a registered trademark of Amazon Technologies, Inc. McAfee is a trademark of McAfee, LLC. Apple Store® is a trademark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.#HolidayMoney #CardFraud #MoneyMovesPodcast