Buy Your Home with 100% What’s Your Vehicle Financing, 0% ...

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JUNE 2019

Buy Your Home with 100% Financing, 0% Hassle

You've found the perfect home at the right price. But there's one problem. You haven't quite saved enough for the usual down payment. Or maybe you prefer to keep more cash in your pocket. We have the solution. It's called the HomeBuyer Advantage mortgage. With the HomeBuyer Advantage mortgage using either a "10/1" or "5/5" adjustable rate loan, you don't need a down payment1. In addition, both of these adjustable rate loans ofer payments lower than traditional fxed rate loans along with many other benefts.

Need more information? Visit: 100Financing

1Available for the purchase of an owner occupied primary residence of a detached single family home, townhome, villa or Planned Unit Developments (condominiums are not eligible); property must be located within We Florida Financial's feld of membership; Private Mortgage Insurance (PMI) required; maximum loan amount $484,350.00; loan terms and conditions depend on credit qualifcations, approval, property valuation and insurance requirements. Borrower responsible for closing cost, escrow and two months reserves that may not be fnanced or gifted.

What's Your Vehicle Worth?

Our cars are important to us. We drive them to work, shopping, to visit family and friends, and on muchneeded getaways. For many, cars are our secondlargest investment and you should know what your vehicle is worth. That's where We Drive comes in. Understanding what your vehicle is worth is key to planning for your next one, whether that's today or years from now. Throughout the month of June, We Drive is ofering a FREE assessment of your vehicle's current worth. Stop by We Drive and get a:

? FREE Appraisal ? FREE Carfax Report ? FREE Advice from a Finance Advisor ? FREE AutoCheck Report ? FREE Gift Call We Drive to fnd out more. There is no obligation. But hurry, this ofer ends on June 30!

Call Us: 954-691-CARS (2277) E-mail Us: Info@WeDrive.cars Visit Us: 1300 South Federal Highway

Fort Lauderdale, FL 33316 Learn More: WeDrive.cars

Just starting the search process? We Florida Financial's Real Estate Services can pair you up with a professional and trusted real estate agent. You can also earn a cash bonus for using their services. Go to realestateservices

Members Win $4,000 for a Room Full of Furniture

Longtime members Scott and Mary D. will be enjoying their room full of furniture compliments of We Florida Financial. Congratulations to Scott and Mary D. They are the lucky winners of our Room Full of Furniture home equity loan sweepstakes. Scott and Mary have been members for several years and are very happy with the credit union's programs and services. They plan to purchase furniture to redecorate their second home. Congratulations again! Enjoy your beautiful, new space!

High School Graduates: Start Out on the Right Foot!

Congratulations!

The world awaits your energy and talents. And We Florida Financial will be with you at every turn. Heading of to seek higher education? Be sure to take us along. With your We Florida Financial College Account, you can have easy access to your savings and checking account from anywhere. Use your debit card to make withdrawals at no charge at Publix Presto! and Star Network ATMs. Withdrawals made at our shared branches are free and there are over 5,000 ofces where you can make your routine We Florida Financial transactions. So congratulations on your graduation. The world is waiting! Go to College for more information.

College Graduates: Organize Your Finances to Prepare for Life

The frst summer after graduating from college can be an exciting time for young adults. Many life changes may occur during this period, such as getting a job, renting an apartment and purchasing a new car. However, all of these changes have fnancial ramifcations, and it's pivotal that new graduates who have never managed their own money proceed with caution to avoid missteps.

One of the frst steps young adults should take is assessing where they stand fnancially and where they will be when their student loan grace period ends. Those with federal loans have a six-month grace period before they must begin repaying their debt. During this period, it's important to review diferent student loan repayment plans. In addition, young adults will beneft by taking care of any balances they currently carry, such as credit card debt.

Many young adults graduate without a job, and if this is the case, individuals should use money in savings, checking or from graduation wisely. This may involve starting an emergency fund to cover sudden expenses, investing in a certifcate of deposit or other investments or setting money aside for a security deposit on an apartment.

Lastly, creating a money management plan is imperative. If young people have never created a budget in the past they can avoid mistakes by seeking assistance from parents or enrolling in credit counseling. The latter can also introduce individuals to resources that can make money management easier, such as loan calculators, budgeting spreadsheets, savings tips and debt management techniques.

We Florida Financial has partnered with Consolidated Credit and KOFE (Knowledge of Financial Education) to help. For more information go to fnancial-ftness. Let KOFE help you review your budgets and debts together so you can fnd solutions that foster fnancial independence.

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Membership is required. Membership is open to individuals or to businesses located in 46 Florida counties. Members must open and maintain a savings account with a minimum balance of $5 for the duration of their membership.

Federally insured by NCUA

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