- Solar energy has never been more affordable, Up until recently, going solar could be costly. These days, however, panel prices have stabilized at an all-time low, and generous state and federal tax credits can help mitigate much of the costs – in some cases, up to 70%! There's still the initial investment, though, and that's where a Community Solar Loan from Visions comes in. With a Community Solar Loan, you can finance up to $50,000…
- Summer Home Improvement Projects (and How to Pay for Them), Summer's here and the time is right for taking on some projects around the house. Whether you're doing the DIY thing or calling in the contractors, these home improvements can be costly. But with a home equity line of credit ( HELOC ), you can take an early return on your investment to transform outdoor spaces this year. From the backyard to the front porch, there are plenty of ways to upgrade…, Imagine all the things your home can do for you., With a HELOC , you get up to 100 percent of your home's equity. How does it work? Simply take the appraised value and subtract what you owe on your current mortgage. The line of credit will typically be 80 to 100 percent of that amount depending on a number of factors, including your credit score. Whatever your needs in any season, it pays in more ways than one to look into your home equity…
- It's checking – plus!, Let's face it. Checking accounts are pretty boring, but totally necessary as (1) the home of your direct deposits and (2) the only way to pay by debit. But what if checking could offer a little more? What if, for example, your checking account could actually make you money? Not as boring now, right? Products like our Flex Checking Plus* offer a few reasons to get excited about typically taken-for…, The first is, yes, this checking account can actually make you money., How? Our Flex Checking Plus account earns dividends like a savings. That's right: Just like your savings grows each month, so too can your checking balance by earning dividends on your balance., Flex Checking Plus can also save you a lot of money. , For starters, all ATM fees anywhere in the U.S. are refunded. That's right: Never get stuck with the fee for using a non-Visions ATM., There are a few other perks as well., Need an official check or money order? Those are free. Making a wire transfer? There's no charge for those either. There are even more pluses to opening a Flex Checking Plus account. Click the button below to learn more! *Check out Flex Checking Plus
- Your home is an investment and the returns come in a number of ways. One of those is dealing with financial challenges like personal debt. If you've been struggling with debt, there's a not-so-secret weapon exclusive to homeowners. You can consolidate and get relief now with a home equity line of credit, also known as a HELOC. If you've been in your home for years, you can unlock some serious…, Ready to apply?, Click here
- Create a Getaway at Home with These Improvements, There are plenty of things to do inside and out that can turn a homestay into a getaway. Best of all, you can use your home's equity to pay for these improvements. A home equity line of credit, or HELOC, works similarly to a credit card, with a limit based on your home's equity. That's the currently assessed value of your home, minus any mortgage you might have. Unlike a home equity loan, though…, Ready to apply?, Click here
- Did you know you can use your home's equity to make energy-efficient improvements that save money in the long term? A home equity line of credit, or HELOC , is the ultimate financial tool for making key investments today that can mean serious savings tomorrow. A HELOC works similarly to a credit card, with an approved limit based on your home's equity. That's the currently assessed value of your…
- Are you in the know when it comes to smart homes?, There are several ways to increase your home's intelligence, especially when it comes to security. These are relatively small investments, but they can add up. That's where the home equity line of credit, or HELOC , comes in. A HELOC works similarly to a credit card, with a limit based on your home's equity. That's the currently assessed value of your home, minus any mortgage balance you might…
- With wedding costs substantial and pretty much always on the rise, coming up with funding sources can be tough. The average wedding cost nearly $35,000 in 2023, according to the popular planning website The Knot . That's not even counting the engagement ring. Throw in the ring and a honeymoon, and you're adding another $5,000-$10,000. Yikes. If you're like most Americans, your savings could be a…
- When Should You Consolidate Debt?, Debt can be a stressful thing, especially when it's coming at you from multiple directions. The average American has more than $5,000 in credit card debt and it's not unusual to have that spread out among several accounts. Debt consolidation is a solution that can simplify billing to one statement and lower interest rates so that you have a single, manageable payment. But, when should you…, You Have a High DTI, The first signal could be your debt-to-income ratio. That's your total debt relative to your gross income. The Federal Reserve considers 40% a sign of fiscal stress, while 20% is considered low. If you fall toward the smaller end of the spectrum, debt consolidation may not be necessary for you., You Can Lower Your Interest Rate, This is the primary reason to pursue debt consolidation. If you can lower your interest rate, you can pay more toward the principal. The more you can apply to the principal balance, the faster you can pay off the debt. Start by determining your average interest rate and compare it to the APR on a personal loan or home equity line of credit (HELOC)., You Can Control Your Spending, Of course, none of this matters if you don't get to the root of your debt problem. In order to become debt-free, you must have a plan to change your financial ways so that you don't end up in the same situation. This starts with a monthly budget that you commit to sticking with. This should naturally be a lot easier if you're paying one lower monthly bill to one source. So, if you truly want to…
