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Your Bank > Education and Advice > CNB University

Spaker, Christopher P.

Title
Date
Nov 07, 2013
Home Free in 15 Years
Would you like to own your home sooner and pay out less in mortgage interest?  Then say hello to the 15-year mortgage.  Your monthly payments will be higher than they would be if you opted for a 30-year mortgage, but in the long run, those higher payments may be worth it.
Nov 07, 2013
Oct 28, 2013
Home Renovations that Don’t Pay
Some improvements are likely to increase your home’s value.  However, others may actually decrease potential buyers’ interest in your home.  So, put away your toolbox until you know more about projects that typically don’t pay.
Oct 28, 2013
Nov 26, 2012
Buying vs. Renting

Is it better to own your own home or rent?  The answer depends on many factors.  What’s best today may change if the circumstances of your day-to-day life change.  Here are a few points you should consider if you’re weighing the options of buying versus renting.

Nov 26, 2012
Oct 19, 2012
Increasing Your Credit Score
Has your credit score suffered a setback as a result of challenges presented by the recent recession or other circumstances? If so, you can take steps to improve your score and gain your financial footing.  Taking simple, consistent steps, over time, can translate into a higher credit score.
Oct 19, 2012
Jan 21, 2010
Understanding Rate Locks

 A mortgage loan cannot be closed without first locking in an interest rate. There are four components to a rate lock the loan program, the interest rate, points and the length of the rate lock. The longer the length of

Jan 21, 2010
Jan 21, 2010
Is There Any Truth in Lending?

 Applying for a mortgage is confusing enough, but when you apply, the lender has three days to mail you a Good Faith Estimate along with a Federal Truth in Lending disclosure statement, or as I affectionately like to call it,

Jan 21, 2010
Jan 21, 2010
The Mysteries of the APR

Applying for a mortgage is confusing enough, but when you apply, the lender has three days to mail you a Good Faith Estimate along with a Federal Truth In Lending disclosure statement, or as I affectionately like to call it,

Jan 21, 2010
Jan 21, 2010
Smoke Alarms, a Matter of Life and Death

 Early in the morning of September 9, 2006, a house fire was reported in Irondequoit. From the time the fire whistle blew at 3 46 AM to the time the Point Pleasant Fire Department responded, nine minutes had passed. The

Jan 21, 2010
Jan 21, 2010
Mortgage Ads 'As Seen on TV'

 Imagine this, you're sitting in front of the TV watching the ball game and a familiar mortgage advertisement for a well known national mortgage lender comes on "$395 Flat Fee." Well of course you can, and with any mortgage lender

Jan 21, 2010
Jan 21, 2010
Mortgage Life Insurance

 Purchasing a home is often times the single largest financial investment a person makes in his or her lifetime and taking out a mortgage can be a scary proposition. Now imagine if the principal wage earner dies. How will the

Jan 21, 2010
Jan 21, 2010
Mortgage Insurance, friend or foe?

 Mortgage insurance (MI) has gotten a bad rap over the years. People spend an awful lot of time and effort trying to avoid paying mortgage insurance. But is MI really as bad as everybody thinks? Before we answer that question,

Jan 21, 2010
Jan 21, 2010
Is a Reverse Mortgage Right For You?

 Reverse Mortgages are becoming increasingly more popular in the United States. The U.S. Department of Housing and Urban Development (HUD) created one of the first reverse mortgage programs. Their reverse mortgage is a federally insured private loan, and it's a

Jan 21, 2010
Jan 21, 2010
Home Remodeling and Home Improvement Financing

 As housing prices continue to see respectable gains in some areas of the country, many homeowners are building a decent amount of equity by staying put. As home prices in your neighborhood rise, the value of your own property generally

Jan 21, 2010
Jan 21, 2010
Pop...goes the bubble?

 It’s virtually impossible to turn on the nightly news or pick up a financial newspaper nowadays without seeing mention of the term "housing bubble." But what exactly is this bubble we keep hearing about? We're all familiar with bubbles and

Jan 21, 2010
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