Whether you are planning to buy a used car or a new one, you would need finances to go ahead with the purchase. In such a situation opting for an auto loan from financial institutions is one of the best choices. In Texas, we at Greater Central Texas Federal Credit Union help you in securing a low interest auto loan. Some of the reasons that make us the best source for auto loans are stated below:

• Lower Rates of Interest: The biggest benefit of taking auto loan from our credit union is that we offer the lowest interest rates as compared to other banks and financial institutions in the area. These banks and financial agencies offer lucrative discounts and bonuses to their customers to sell their products and schemes; however, we have non-sales approach and work only for our members. Thus, all profits from members are returned back to them in the form of lower interest rates on saving accounts and loans.  Our auto loan options are more flexible.
• Quick loan approvals: It is often seen that banks turn down the loan offers looking at your credit history; whereas, you are at advantage while taking loan from our credit union as we can make adjustments that commercial banks often do not make. The complexity of underwriting process and loan applications processes are similar. Greater Central Federal Credit Union offers adjusting terms to the members and makes it easier for them to avail loan facility.
• Work best in your interest: We are a non-profit organization that offers financial options to all our members. This makes us offer highly focused and satisfying customer services. We provide personalized services and this gives you an opportunity to discuss your concerns openly. According to your needs, we offer you flexible repayment options and our professionals review your financial situations. You will not feel the stress and pressure of applying for loan that you normally feel with banks and other commercial financial agencies.
• Unbiased help: Our credit union has resources to offer unbiased answers to all your queries. Whether you want to know about the loan process, or want to know how to calculate the real value of your car, we can help. We do every effort to help you take a better decision.

For more information, visit us at Greater Central Texas Federal Credit Union. We are located at 3305 E Elms Road, Killeen, TX 76542. You can also call us at (254) 690 – 2274.

Home loans enable you to purchase your dream house while not having to make a large one time investment. It helps you instead by letting you stagger payments monthly over a set duration of time. Taking out a home loan can be a relatively complicated process, depending on market conditions and your own requirements. There are a lot of things to consider, including the amount of the loan, the conditions and duration of repayment, the rate of interest you will be charged and the amount of the monthly payments you will have to make. While for most people, the procedure might go off without a hitch, there are a number of mistakes that can significantly increase the amount of time and hassle involved. Avoiding these mistakes will surely put you in a better position to get your home loan processed smoothly and fast.

1. Getting a Credit Score – The one thing you should never forget while applying for a home loan is to get a comprehensive credit score. You should use the service of a reputed and effective credit rating agency to get your credit evaluated and to make sure that your credit score is free of errors. In fact, it is a good idea to get a credit score sheet out periodically so you can stay on top of your credit records.
2. Avoid other Loans –While applying for a home loan, make sure that you do not apply for other kinds of credit at the same time. For at least a time period of six months before your home loan application gets through, you need to ensure that you do not apply for other kinds of credit like personal or auto loans. This might lead to your loan application getting cancelled.
3. Check your Source – When applying for a home loan, make sure that you perform thorough checks on the institution that you are considering for the loan. Carefully check the terms of the loan and go through all the documents carefully before deciding on a particular loan. You can also hire the services of Greater Central Texas Federal Credit Union that helps get secured home loans and provides assistance through the entire process.
4. Consider Pre-approval – If you have had a successful and long relationship with an institution, you might be eligible for a pre-approved home loan. These loans take less time and paperwork to process, and make the processes much smoother altogether. You should not miss the chance to grab a pre-approved home loan offer if you can get your hands on one.

To procure quick and affordable home loan in Central Texas, visit us at Greater Central Texas Federal Credit Union. We are located at 3305 E Elms Road, Killeen, TX 76542. You can also call us at (254) 690 - 2274.