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Buying a home, especially if you have never done it before, can seem like an uphill battle due to the many intricacies involved. As a first-time home buyer in Colorado, you might have many questions. Affordability may be one of the issues on your mind. Luckily, there are programs to ease your home ownership burden, first-time home buyer mortgages being one. This article explains what they are and the eligibility requirements you should meet to qualify.

Many of us store personal, sensitive and confidential information on our digital devices. This makes them an attractive target for scammers and criminals. Follow best practices in these areas to help keep your devices secure:

Refinancing your mortgage is a strategic move that sometimes makes financial sense. It lets you lower your interest rate, reduce monthly payments, or change loan terms to suit your needs better. However, if you have poor credit, the path to refinancing becomes more complex. This guide will help you understand how to refinance a mortgage with bad credit, the challenges you might face, and strategies to improve your chances of approval.

We’ve all heard sayings like “you can’t buy happiness” or “money is the root of all evil.” Money isn’t the most important thing in life, but it can help someone achieve their goals in areas such as providing for their family, having more freedom around lifestyle choices and taking care of their health. Some people may have negative feelings about money due to bad experiences in the past, but money can be a positive part of a person’s future.

When lenders size you up for a mortgage, credit card, or small-business line, they aren’t reading your diary—they’re scanning your credit score. According to Experian, the average U.S. FICO Score was 715 for 2024 (Horymski, 2025), placing much of the country in the “good” range. However, that average hides lower scores for millions of consumers who stumble into common credit score pitfalls.

As we approach the end of the year, it’s a great time to review your financial situation and take advantage of opportunities to boost your savings. Here are three strategic moves you can make now to set yourself up for a stronger financial start to 2025:

Refinancing your mortgage is a great way to reduce debt and take control of your finances. There are many reasons to swap out your current home mortgage for a new repayment plan. It all depends on what you’re looking to achieve with your new home loan. Use this guide to learn more about the refinancing process to see if this is the right option for you.

You’re looking forward to a long, happy marriage with your betrothed. However, before you say your “I do’s” you might want to have a heart-to-heart talk about money and how you’ll manage your finances. Disagreements on money-related issues are a common challenge that married couples face. Here are some steps you can take so money issues don’t become marriage issues.

Digital banking lets you securely manage your money on the go. You can access nearly all the same benefits and features on your mobile device or computer without visiting a brick-and-mortar branch. Digital banking apps also use security features such as two-factor authentication and facial recognition.  

You have many options for where and how you manage your money. Thanks to digital banking, you no longer need to go to a physical bank or credit union to open an account, make a deposit, or transfer money between accounts. You can manage your money digitally using your smartphone, tablet, or computer and save time from commuting to your local financial institution. Convenient digital banking is widespread, and your current bank or credit union probably already offers this service.

What is digital banking, and how does it compare to visiting a branch in person? Explore the benefits of digital banking and use these tips to help keep your money safe.  

The journey to homeownership is exciting, especially for first-time buyers. However, the complexities of mortgages, understanding rates, and knowing what steps to take can sometimes become overwhelming. This guide demystifies the process of securing your first home mortgage.

Buying a home is one of the most significant financial decisions you'll make in your lifetime. If you're considering purchasing a home in Colorado, one of the best options is to obtain a home loan through a credit union. Why is choosing a credit union for your home loan advantageous? Learn more below, including the types of home loans in Colorado available at credit unions, how to qualify, and the step-by-step process to get you into your dream home.