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Welcome To The Insighter!

Explore the latest happenings at Kirtland CU and learn about important topics from around the financial world. Here’s your insight! To learn about retirements, investments and financial planning, check out Invested now.

3 Signs To Know You’re Ready to Own Confident

By K-Staff

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New year, new home! This New Year, consider leaving renting in the past.

If you’re ready for a rewarding journey, becoming a homeowner might just be the best way to start fresh.

If you’re looking for a sign to make the change, here are three:

1. Making an investment in yourself: the gift that keeps on giving

As a New Year’s resolution, consider investing in yourself – it truly is the best gift you can give. Renting a home might be a great short-term solution, but it won’t benefit you long term.

  • A major benefit of owning a home is building equity. Equity is the value you build in your home over time that can be turned into cash or credit for any project. Get ready for those phone calls from friends and family begging for your gourmet recipes that you can now make in your dream kitchen! Learn more at kirtlandcu.org/homeequity.
  • It’s important to build your credit and renting a home will likely not have a large impact on your credit score, unless you miss a payment. A monthly mortgage payment is more likely to make a positive impact on your credit.

2. Cut the stress (and costs)

While renting a home, it’s not uncommon to see your rent increase. If you’re ready to stop stressing over what your monthly payment will look like, it might be time to consider looking to buy.

  • With inflation on the rise, rent prices are only expected to keep increasing. According to Credit Karma, from 2021-2022, New Mexico has had a rent increase of 15%. YIKES!
  • When you’re a homeowner, your monthly mortgage payments are fixed. This means you won’t have to worry that your payment will rise significantly, and you can plan a stable budget.

3. A place for making memories

Some say that home is where the heart is, but we’d like to think that your actual home makes a difference. If you’re ready to make memories with loved ones, it’s time to put down roots.

  • When raising a family, it’s important to have a stable environment for your children that they can call home for years to come.
  • In a neighborhood, it’s easier to make lasting friendships with those that live near you. Unlike living in an apartment, your neighbors are more likely to stay for an extended period of time, making it easier to build a community.

Ready to stop renting? Own Confident in your new home.

Follow these simple steps to get you on track to your home-buying journey.

  1. Meet with an expert. Our ABQ Lending Experts are ready to provide you with ‘common-sense lending’ options to fit your unique loan needs.
  2. Get pre-approved. Pre-approval will help you better determine what house you can afford and what loan is best for you.
  3. Start hunting. Now, it’s time for the fun part! Start looking for the house in your price range and consider what your requirements are.
  4. Apply for a loan with Kirtland Credit Union! Learn more at kirtlandcu.org/homeloan.
  5. Live Confident knowing your finances are in the best hands.

Sources:

https://gtxmortgage.com/articles/rentvsbuy

https://www.quickenloans.com/learn/renting-vs-buying-a-house

https://equitysmartrealty.com/home-ownership/putting-down-roots-owning-a-home-provides-a-sense-of-stability/

https://www.creditkarma.com/insights/i/average-rent-increase

Tuesday, March 24 • 5:00 p.m.

Join us for our 2026 Annual Meeting, where we’ll cover the state of the credit union – all members are welcome!

Click here for complete details on in-person and online attendance options.

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