Home foreclosure continues to be a subject that dominates the news. Fortunately Truliant has not contributed to the sordid stories you see on the negative effects of the sub-prime mortgage crisis-we’re not a sub-prime mortgage lender. We have an amusing saying at Truliant, “Our rates are sublime, not subprime.” When you come to us for a home loan, our mortgage experts will counsel you on what you can actually afford and your mortgage plan options, so your time can be spent enjoying your home; not worrying about how you are going to pay for it. It’s part of our commitment to helping our Credit Union members enjoy the present, as well plan for the future—beyond attaining a home loan.

It is gratifying when our member-owners tell us that we have been able to help them successfully retire with their home mortgage paid off or that we have put them on the fast track to doing just that. It is equally gratifying when we have been able to assist them with other life needs, such as purchasing their first car, helping them out with a convenience loan for unexpected expenses, or beginning a systematic savings plan for education and retirement.

Speaking of retirement and paying off home loans, for generations consumers have received advice that, if they have extra money, one smart use for it is to put it towards the principal balance on their home. That is still often good advice especially when interest rates are low, but have you ever wondered how else your money could be invested? Truliant offers TruFinancial Planning, a free financial advisory service we provide to all of our member-owners.

Truliant’s TruFinancial Planning is very different from the programs many other financial institutions offer. Our financial advisors are paid a flat salary and are not paid incentives to push products. Every time you speak with our advisors they have your best interest at heart; they don’t benefit financially from suggesting one particular plan of action over another. For example, if our advisors discuss laddering of IRA certificates, it’s because the product offers great rates and fits your long term goals. This is another benefit our members enjoy as a result of their ownership in Truliant, and represents another of Truliant’s Points of Differentiation.

Whether you come to us for a mortgage, retirement planning or even to open a child’s first checking account, our message is the same - we seek to first understand your individual needs and offer the advice and programs to meet your specific financial objectives. Thank you for your ownership in Truliant.