Planning in advance will help you be prepared and knowledgeable when looking for a home. A free monthly homebuying seminar offered through Union Bank prepares you for the process by answering basic questions such as:

• How much will I qualify to borrow?
• What does my credit report say and how do lenders use it?
• How should I go about finding the right home?
• How can I negotiate the best price?

An important point to consider when analyzing your current mortgage vs. refinancing is to remember even a small rate cut can pay off quickly. Union Bank offers loans that require no origination fees or discount points.

For more information on how to become a confident, informed
first-time homebuyer or information on how you might save money on your current mortgage payment, please call 323-1128 in Lincoln, 827-6969 in Omaha, or toll-free, 1-800-297-2837 or respond by requesting info.