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Buying a home is a big step. It’s likely the largest investment you’ll ever make, so you want to be prepared. Answering these questions will help ensure you’ve done your research about the home you’re considering and about yourself, to help you determine what it will actually cost:
Checking your credit is one of the most important questions to ask when buying a house. Your answer will help determine if you can get a mortgage and what your interest rate will be. Work with a bank loan officer or request a copy of your credit report online.
Did you know that your AAA Membership entitles you to a free credit report (and credit monitoring) through ProtectMyID?
Find info hereYou’ll need cash for one-time and ongoing expenses such as closing costs, property taxes, potential homeowners association dues and unanticipated repairs. When buying a home for the first time, it’s wise to limit your purchase to about 80% of what you’ve been approved for, so you buy a house at a price that helps protect your financial security.
If you can put 20 percent down on the house, you won’t have to buy private mortgage insurance—and you may get a better mortgage interest rate. Can’t swing it? Talk to a bank loan officer anyway: Home loans with as little as 3 percent down are often available.
It can be tempting to go for the lower interest rate of a variable-rate mortgage. But getting a fixed rate—which will never change—is considered safer. Your loan professional can help you determine which makes the most sense for you.
Flood insurance isn’t included in your home insurance—it has to be bought separately. And it’s actually a purchase worth considering whether you’re in a high-risk flood zone or not, as more than 20 percent of flood insurance claims come from people outside of high-risk areas, according to the Federal Emergency Management Agency.
Knowing the expected remaining lifespan of items inside and outside the home—from appliances to the roof—can help you anticipate major expenses down the road. It also can help you gauge whether you’ll need to add a home warranty to your purchase.
Imagine you and your family living in that neighborhood for at least five years. Can you picture it? If not, a different location might be a better option. Why is that? If you purchase a home and don’t stay for at least five years, you risk losing money in the end due to your closing costs and the high interest charges during the first few years of your mortgage.
Garages, decks, fences, swimming pools … These features are major factors in the home’s overall cost, depending on whether you want—or don’t want—them included. For example, you’ll need to be prepared for the cost of installing a fence if you need one and the home doesn’t come with it. On the other hand, buying a house with a swimming pool may not be worth it if you don’t want the pool.
Get help navigating the mortgage options offered by AAA to find the right one for you.
This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
Annual Percentage Rate (APR)
We may change APRs, fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1Cash back can be redeemed in the form of a statement credit or ACH deposit ($25 cash back minimum redemption). Cash back is not earned on business related transactions or activities. You may not redeem cash back, and you will immediately lose all of your cash back, if your account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash back will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they are earned. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Cash back is earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn cash back, such as Advances, Balance Transfers, and Convenience Checks and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees do not qualify. U.S. Bank cannot control how merchants classify their business or transactions and reserves the right to determine which Purchases will qualify in which category. Earn 2% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 2%. Earn 4% per dollar for qualifying net purchases on AAA purchases, travel and insurance for your first 6 months up to $6,000. After that, earn cash back in the standard 2% category. Foreign Transaction Fee: None.
2 Benefits are subject to terms, conditions, and limitations on the amount of coverage. Travel and Emergency Assistance Services help in coordinating medical, legal and travel services while away from home. Rental Collision Damage Waiver coverage and peace of mind for damage due to collision or theft of most rental cars. Certain terms and conditions apply. Please refer to your Visa Guide to Benefits for details
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This card is issued by U.S. Bank NA dba ACG Card Services, pursuant to a license from Visa USA Inc. Equal Credit Opportunity Lender
*Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Rates are variable and may change without prior notice. $100 minimum balance to open and avoid fees. Fees may reduce earnings. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.
**Annual Percentage Yield (APY) is accurate as of 11/26/2024. Rates are variable and may change without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Personal accounts only.
†Annual Percentage Rate (APR). Rates and terms effective as of 10/11/2024. APR is accurate as of 10/11/2024. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments from any checking or savings account. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less new or used, model year 2018 – 2024 with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An auto loan with an APR of 5.49% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $465. An auto loan with an APR of 5.74% for a $20,000 loan at a term of 48 months, your estimated payment would be $467. Private party sales will not be financed.
††Terms and Conditions apply. Offer valid for loans on vehicles purchased through the AAA Auto Buying Program from a TrueCar, Inc. (TrueCar) Certified Dealer; and approved and funded by Auto Club Trust, FSB. Applicant must submit the Member Price Summary provided by TrueCar during the application process. Must be an active AAA member to receive the additional TrueCar discounted rate. Loans offered by Auto Club Trust, FSB. Equal Opportunity Lender.
Member Savings currently not available in all states. In these states a "Target Price" is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available or in-stock at the Certified Dealer.
TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.
Products are offered by Auto Club Trust, FSB. Equal Credit Opportunity Lender.
Mortgages originated by Auto Club Trust, FSB. Equal Housing Lender. NMLS# 799629
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