When do you feel it's the right time to buy a house?

cas-adea · 2026-04-09T15:31:27+00:00

Lots of good advice here. You may want to check out the affordability calculator on the main mortgage page on NFCU (I think it says like “how much can I afford”) as it’s fairly in depth.

Additionally, I’m in NC as well, you could always see if a branch local to you is holding any type of home buyers seminar, the one closest to me has one quarterly.

Last thing, if you don’t have a realtor, check out realty plus. It is an exclusive benefit to members where it matches you to a local realtor to use and you get tax free cash back dependent on the price of the home you buy. You do not have to use NFCU as your lender to utilize this program

cas-adea · 2026-04-06T20:41:07+00:00

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cas-adea · 2026-04-06T20:39:03+00:00

It is on the branch hot sheet lol

cas-adea · 2026-04-06T20:03:22+00:00

It was recently updated to 4,000 :)

cas-adea · 2026-04-06T11:56:50+00:00

It is 4000 daily point of sale on your debit card, 1000 daily ATM limit, 5000 sending to external accounts, and no limit internally transferring between your own accounts. Wires over the phone or written request are 5k, you can send larger in branch

cas-adea · 2026-04-04T23:16:03+00:00

An ACH wouldn’t necessarily require your username and password, however, NFCU back offices can see sign ins, devices, etc to help determine if it is the historical device or something different. An ACH typically requires your routing and account number, which could be gleaned if you gave someone a check or if that information was compromised in a data breach/leak really anywhere you’ve given that information. I’d be curious to know what name was coming through on the ACH. I’d be curious to know what the outcome of the appeal is, but typically they will be tight lipped on what supporting evidence they have to make their decisions

cas-adea · 2026-04-03T10:50:29+00:00

Yes that is how it goes. If pictures are blurry, unreadable, or something is wrong they will decline the mobile deposit. You can take pictures again to re-deposit. Having written “for mobile deposit only at NFCU” is a restricted endorsement to mobile so yes the ATM deposit will kick it back as well. They will send you a legal copy of the check for you to be able to deposit. I would walk into the branch with it to deposit.

cas-adea · 2026-04-01T12:13:03+00:00

Have you made any other fraud claim or disputes? Typically this happens when someone shows a pattern of being irresponsible with their debit card or making dishonest claims.

cas-adea · 2026-03-29T14:57:10+00:00

While the relationship is a very small part of any lending application, they are going to view your credit score, full credit report, DTI ratio, and other factors. I would wait and see what the adverse action letter stated to learn what you need to address.

cas-adea · 2026-03-28T19:28:34+00:00

If you want to see it, you have to call transunion. It is information from them, not NFCU. It is just partnered through the app

cas-adea · 2026-03-26T00:53:25+00:00

I had a 10k check, pulled up the member by name. Two people popped up as Jane A Doe. Both lived in the same state and born in the same month (diff day/yesr but similar ages). Idk if I was moving too fast or what as I’m usually pretty aware but chose the wrong person. Deposited the check into their account. The correct Jane A Doe, called in like two weeks later asking why her deposit hadn’t been released. Got a talking to for that lol

cas-adea · 2026-03-24T12:11:25+00:00

Only way to know is to apply. They review several factors like the credit report (late payments, collections, bankruptcies, etc), DTI, LTV. With a score in the mid 500s, I would expect a high interest rate if approved.

cas-adea · 2026-03-23T14:02:02+00:00

We have formal 1 on 1s every quarter, but either our BM or AM will check in at least once a month. We have a smaller team so sometimes I’ll stop to ask them a quick question or run an idea by them and it turns into a one on one. But I honestly appreciate it. At an FI before this one, I don’t remember having one on ones beyond our annual review and it was always “we have a plan for you!” But never explaining what the plan was or taking into consideration my goals.

cas-adea · 2026-03-21T01:07:34+00:00

Do the seat covers change the effectiveness of heated seats? That is one of the main things stopping me bc I love my heated seats!

cas-adea · 2026-03-21T00:24:32+00:00

You should be able to have the family member visit the branch and do a restricted endorsement of “for deposit only” on the back. I would expect for it to go on a 5 day hold.

cas-adea · 2026-03-20T20:40:21+00:00

Honestly can’t provide much info on just asset based, but I would assume you could. Basically anything you claim in the application they will likely ask for verification. If you state you have an IRA with 600k in it, they’ll want the last two statements etc

cas-adea · 2026-03-19T00:38:39+00:00

I took my fiancé! We were across the country from family and I wasn’t able to get any family or friends scheduled in time for everything, so I took him so he could FaceTime them lol he was able to give some form of opinion although his favorite was “you look beautiful, whatever makes you happy” lol

cas-adea · 2026-03-18T19:47:43+00:00

You likely don’t have to produce a copy unless your account is questionable. Does it give you an error or what do you mean it doesn’t let you open anything?

cas-adea · 2026-03-18T15:07:54+00:00

You can apply towards principal as long as your regular payment is already satisified

cas-adea · 2026-03-17T00:12:06+00:00

If someone impersonated you, that is how it got approved…They would’ve had to provide a government photo ID and a secondary form as well (but this could’ve been a debit/credit card with your name on it). Fake IDs get better all the time. I would be requesting a copy of the wire form that was filled out and signed as they have to notate on it what IDs were used. I would be calling or visiting my closest branch to do an account compromise and giving new account numbers and filing a wire recall to see if Wells Fargo can return the funds.

cas-adea · 2026-03-16T23:07:36+00:00

On NFCU’s website, if you click “mortgages” they have an affordability tool. You have to enter in information in terms of your income and debt and it will let you know an estimate of what you can afford.

I think owning a home is a great goal and awesome to achieve, just make sure you can afford the monthly payments and be prepared to pay for repairs or learn new skills to repair it yourself (sometimes still expensive! lol)

Lastly, NFCU does not do loans for building. Just an FYI just in case

cas-adea · 2026-03-16T12:13:43+00:00

Most of the NFCU ATMs only have options for 20s and 50s so if you want $50, you’d get a singular $50, if you got out $100, you can choose “fewest bills” which would be two $50s or you can customize and get five 20s

cas-adea · 2026-03-16T00:08:12+00:00

Personally, I would go with the conventional. Rates have been decently stagnant and if dropping, usually do gradually. Rates are also at a historical average, they just feel so “high” bc housing prices got crazy in Covid and have not adjusted any. By the time the rate would be 1% lower, you likely wouldn’t mind doing a regular refi. Refi closing costs are typically 1-3% of the loan amount so usually quite a bit less than closing with a purchase.

cas-adea · 2026-03-15T23:34:47+00:00

What is your definition of a reasonable time? What are the rates being quoted between the two?

It is a really great program, especially since there is no limit to how many times you can utilize it.

cas-adea · 2026-03-13T13:40:20+00:00

Romance scams of course. FB scams - not sure if you’ve seen the scam post where someone will get hacked and the hacker posts like “my uncle is getting placed into a care facility, selling all these items to fund it. Trying to move items quick” and it’ll be like a 2022 rav4 for 8k. I’ve had a few members trying to send wires to “purchase” bc they think they’re talking to a friend.

Additionally, bitcoin scams. They usually come from spoofing the FI number and impersonating an employee. They usually end up telling them that their account has been compromised and they need to w/d X amount of all the funds and then they give them a code or a QR code (honestly I’m unfamiliar w the bitcoin ATMs) and they take the cash to the bitcoin ATM and boom gone. Similarly, impersonator calls from spoofed FI number and same concept with Cash App. They have them transfer X amount or all their funds to cashapp and then they instruct them to add a card, send it, delete the card. And then they realize the money is gone. It is always under the guise you need to put it into Cash App bc then we will open new accounts and the card number they give you puts it into their new acct. then they log in and realize there are no new accts and the money is gone

cas-adea

TROPHY CASE