Home Owners Blog

ASCU knows there is much more to being a home owner than closing on a house.  Your journey has just begun!  Find tips and ideas on maintenance, landscaping, home improvement and upgrades on our Homeowner’s Blog

How Can a Home Equity Line of Credit (HELOC) Help You?

December 21, 2020

With more people working from home, families are struggling to find ways of upgrading their home offices or converting a garage or an unfinished basement into a useable space to get their work done. It's hard to work if you can't get away from the family, but if you can…read more.

 
Buying A Home In Today’s Economy

April 10, 2020

The only thing certain about today’s economy is that it is uncertain. No one can guarantee what the next few years will bring.  Fortunately, you don’t have to give up on the home of your dreams because of a fluctuating economy. Here are four steps you can take to make…read more.

 
How Can You Get The Most Out Of Your Investment In Your Home?

I want to increase the value of my home this summer. What can I do? Regular home maintenance is essential to protecting your largest investment. Before you worry about luxury amenities like a swimming pool or marble countertops, go through the house and do some preventative maintenance. You can start…read more.

 
Choosing An Equity Loan In A Rising Rates Environment

Q: I'd like to take out a loan against my home's equity, but I've heard that interest rates are expected to climb soon. What are the differences between a home equity line of credit (HELOC) and a typical home equity loan? How does an environment of rising interest rates impact…read more.

 
4 Home Improvement Projects With High Long-Term Return

When you’re making improvements to your home, you’re not just making your life better in the short term.  You’re also making an investment in your future. Ideally, the increase in the value of your home will exceed the cost of the improvement.  However, it seldom works out like that.  The…read more.

 
Home Loans

December 24, 2019

What is a home loan? A home loan, or a mortgage, enables you to purchase a home without having to foot all the cash out of your pocket when purchasing. You will, however, need to make a down payment, which is typically between 5-20% of the home’s appraised value (some…read more.

 
Mistakes First Time Home Buyers Make

November 14, 2019

Q: My husband and I have been renting an apartment since we got married. We recently decided to buy our first home. Some friends of ours had lots of trouble with the process, and wound up buying a house they can’t really afford. We don’t want to go through what they…read more.

 
Flipping Houses

October 1, 2019

In the 2019 real estate market, home-flipping has become more popular than ever. Flipping houses is a basic real estate investment concept that involves purchasing a rundown or undervalued home at the lowest possible price, spending the necessary time and money fixing it up and then selling it for a…read more.

 
Energy Efficient Appliances

September 26, 2019

Our dependence on energy increases daily.  With energy-dependent technology driving our lives, ecologists continue to search for ways to save our environment.  Focusing on energy-efficient appliances is one way to do that. Your monthly electric bill may not itemize the specific usage of each appliance in your home, but you…read more.

 
Can I Buy a House if I Have a Student Loan?

September 10, 2019

Is it possible for me to buy a house while I’m still paying off a student loan? Yes, you can buy a house and have a student loan you are still paying off.   If student loan debt that is managed responsibly should not hold you back from purchasing a house. …read more.

 
Are Solar Panels Right for You?

September 9, 2019

Q: My summertime electric bills are sky-high. For this reason, I’m really thinking about having solar panels installed on my roof. I figure it’s gotta help me save on energy costs, but I hear they can be super-expensive. Should I go solar? A: Solar panels are popping up on roofs…read more.