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News and Insights

Welcome to Mutual Security Credit Union's news and insights page where you'll find updates, tips, and tricks for your banking, borrowing, and financial planning needs.

Cathy Verrilli

Cathy is a Senior Mortgage Specialist with over thirty-years of hands-on experience in the financial services industry. Building on her knack for finding the perfect pair of shoes for every occasion, Cathy has mastered the art of outfitting members with the financial solutions best suited for them. Outside of work she can be found spending time with her family, attending her grandson’s soccer games, or relaxing on the beach.

Blog Feature

Home-Buying

Should I Have a 20-Percent Down Payment for a Home?

At one point or another most of us have been told we need to have a 20-percent down payment when buying a home. But with high amounts of student debt and other financial responsibilities, I see a lot of first-time homebuyers struggling to save that much money. The good news is that if you find yourself in the position of wanting to buy a home and not being able to save 20-percent, there are other options to consider. To help you navigate to the mortgage type that best for you, I’ve pulled together the pros and cons of the most common alternative—an FHA loan—as well as two other solutions that don’t require a 20-percent down.

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Blog Feature

Home-Buying

Should I Refinance My Mortgage?

Once you’ve established yourself as a homeowner, you might begin receiving information related to refinancing your home. And you may begin to wonder, what is refinancing and is it right for me? Simply stated, refinancing involves replacing your current mortgage with a new one that offers different rates and terms. The desired outcome is often to have more manageable monthly payments or to pay less interest over the lifetime of the loan. While reasons for refinancing vary, I typically find that homeowners only consider this when they see mortgage rates fall. And while lower rates are definitely something you want to look at, there are other times when refinancing can benefit you regardless of current rates.

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Blog Feature

Home-Buying

Five Things You Need To Do To Get Pre-Approved for a Mortgage

The springtime home-buying season has arrived! And if you’re in the market for a home, there’s no better time to start looking. During this season we see more houses go up for sale, which provides you as the buyer with more options to choose from. But before you start browsing Realtor.com or attending open houses, it’s important to get pre-approved for your mortgage to ensure you’re prepared to make an offer when you find your dream home. Regardless of whether you’re a first-time homebuyer, looking to move, or in the market for a second home, here’s a look at the top five things you need to do to get pre-approved.

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Blog Feature

Holidays  |  Savings  |  Student  |  Travel

Holiday Hacks for Traveling College Students

Halloween is over and the holidays will soon be here.  And for many college students that means it’s time to start planning for the trip home. 

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