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Welcome To The Insighter!

Explore the latest happenings at Kirtland FCU and learn about important topics from around the financial world. Here’s your insight!


Security Fraud

It’s an exciting time. You’re getting ready to close the mortgage on a new home! Don’t let a scammer take it all away.

Anyone who has bought a house knows the vast amount of communication that is required between multiple parties. And if you’re a first-time homebuyer, you’re discovering this first-hand. Documents must be signed, wire payments arranged, and e-mail is a common channel for these types of quick communications with the multiple companies that can be involved in a single closing. Between 2015 and 2017, reports of a sophisticated scam involving these companies and homebuyers, primarily through e-mail, have increased 1,100 percent.

How it works:
The scam begins when a thief gains access to an e-mail account of one of these legitimate real estate, title, or lending companies through hacking. Once inside the e-mail account, they have access to all communication between buyers, sellers, agents, title companies, and lenders. The thief can see scheduled closing dates, and they now have access to private financial information regarding the sales.

Using this information, the thief chooses a sale that is approaching its closing date. The thief creates an e-mail that appears identical to one from the legitimate company. That e-mail is then sent to the buyer at the last minute, changing the payment information for the closing funds to the thief’s wire destination. If this information is followed and the money sent to the scammer’s new destination, the buyer will often have no idea anything has gone wrong until they are contacted by one of the companies asking about the missing payment. Meanwhile, the thief will move the funds and move on, before anyone is the wiser.

In some cases, victims have sent their intended closing costs or even the full payment for their new house to these fraudulent wire accounts. In 2017 alone, there was an estimated loss of nearly $1 billion in real estate transaction costs resulting from this scam. And the buyer is on the line for the lost funds—there is often little to no recourse for victims of this scam. Therefore, avoiding it is paramount.
  • Identify two trusted individuals to confirm the closing process and payment instructions. Ahead of your mortgage closing, discuss in person, or by phone, the closing process and money transfer protocols with these trusted individuals (realtor, settlement agent, etc.). Be cautious about exchanging any details about your closing over e-mail. You may want to use this opportunity to also create a code phrase, known only by these trusted parties, if you need a secure way to confirm their identities in the future. 
  • Write down their names and contact information. 
  • Before wiring money, always confirm instructions with your trusted representatives. Never follow instructions contained in an e-mail. Verify the closing instructions, including the account name and number, with your trusted representatives either in person or by using the phone number you previously agreed to.
  • Avoid using phone numbers or links in an e-mail. Again, scammers can closely replicate the email address, phone number and format of an exchange from your agents. Avoid clicking on any links or downloading attachments without first confirming with your trusted representatives.
  • Do NOT e-mail financial information. E-mail is never a secure way to send financial information. 
  • Be mindful of phone conversations. It may be difficult to identify whether a phone call is fraudulent or legitimate. Scammers may call and ask you to verify your personal or financial information. When in doubt, always initiate a call back to your trusted professionals to confirm whether it’s legitimate. 

What if you become a victim?

  • Contact your bank or wire-transfer company immediately. Ask for a wire recall. Reporting the error as soon as possible can increase the likelihood that you’ll be able to recover your money.
  • File a complaint with the FBI. Contact the FBI’s Internet Crime Complaint Center at www.ic3.gov .
When it comes to this scam, the low-tech option may be the best option. Hand-delivered cashier’s checks are often a more secure way to physically make a payment during the closing process.

At the Kirtland FCU Home Loan Center, the mortgage team maintains close relationships with their members and other companies in the mortgage process, which reduces the likelihood of this scam striking their members.

“This is one of the best parts of our dedication to relationships with our clients, and our local presence,” said Kris Jones, Vice-President, Mortgage. “Our members know us and know we’re right here, right now, for any questions like this. There are no long waits in a phone tree, no faceless representatives when they have concerns.”

And when a member already has their savings and/or checking accounts at Kirtland FCU, payment transfers are handled directly by the mortgage professionals without members needing to lift a finger (except to sign the final papers).
 
Remember, when you’re getting ready to close on a home, make sure you’re talking to the right people. Come see the mortgage experts at Kirtland FCU’s Home Loan Center.

Learn more about Kirtland FCU’s mortgage and home loan programs now!


 

Security Fraud

Paper. Paper everywhere.
 
No one wants to keep all the random bits of paper they gather during the day in the form of receipts, forms, and other evidence of daily life. Add that to the barrage of daily mail, including banking statements and junk mail, and you would have quite a mess on your hands.
 
Many of us savers DO save everything for simple lack of knowledge about our other options. The savvy financial mind that you are, you know some of those documents would be damaging in the wrong hands. But what about the papers you think are safe to throw away? Should you shred all your documents? How long should you hold onto other documents?

Turns out, the Federal Trade Commission has a few opinions on the matter, and their advice can help you make sense of all that paper—its importance and (even better!) what do with each piece to keep you and your family safe from fraud and identity theft.
 
Did you know that up to 88% of all identity theft begins with information recovered from the trash or a recycle bin? Following a few simple rules-of-thumb, you can reduce the likelihood you’ll become a victim of identity theft and fraud.

STEP 1:
Get yourself a shredder (or keep an eye out for a free shred event from a local business). Shredders are fairly inexpensive and allow you to quickly destroy important documents.

STEP 2: 
Switch to e-Statements and opt into as many digital bills, payments, and receipts as you can. Contact your individual utility companies and financial institutions to ask about paperless options and autopay. 
Many stores also offer the option to have your receipt e-mailed to you instead of printed, so take advantage! 
A thief can’t steal out of your mailbox or trash what is never there to begin with. Leave the pizza coupons for the thieves—your account and financial information can be safely hidden behind a password, out of reach. It’s easy and FREE to sign up for Kirtland FCU e-Statements! 

STEP 3
So, you’ve reduced the amount of paper coming in your mail or collecting in your house. But what of the junk mail, the receipts, the bills, and other documents with personal information on it? Should you keep it, shred it, or toss? 
Turns out, it could be a combination of these options depending on the specific document, according to the Federal Trade Commission.

And remember, even pieces of unsolicited (junk) mail may have identifying information—particularly pre-screened credit offers. Just to be safe, you should consider shredding these pieces.
Practice basic account security—read more here—and sign up for account alerts with Kirtland FCU and any other financial institution with which you have a relationship. Catching unusual activity early is key to limiting losses should your identity be stolen. 

 
Source: Federal Trade Commission (Consumer.ftc.gov)
 

Security Fraud

Identity fraud. It’s the intangible crime that strikes at the heart of your financial well-being, and it’s happening at record levels.

Javelin Strategy & Research began tracking identity fraud in 2003, and the results of their 2016 study found that despite the efforts of the industry, fraudsters successfully adapted to net two million more victims in 2016 with the amount fraudsters took rising by nearly one billion dollars to $16 billion.

What can you do to protect yourself?

Following these smart tips can reduce your likelihood of falling prey to an identity thief. 

ENROLL IN ONLINE AND MOBILE BANKING
Being able to follow your account activity in nearly real-time speed allows you to detect an issue early so you can take action to limit losses. Check your accounts often for cleared transactions, pending transactions, scheduled transfers, and any unusual account activity. 

SIGN UP FOR ACCOUNT ALERTS
Text and e-mail alerts are available through the Kirtland FCU Online and Mobile banking systems. Be sure to turn them on to receive alerts in response to a variety of triggers including unusual account activity and low balances. 

SET A CODE WORD
You use a password to access your account online; set one for your phone interactions with Kirtland FCU, too! A code word adds an extra layer of security for your accounts. Should your personal information fall into the wrong hands and a thief attempt to use it to gain access to your Kirtland FCU account, they’ll be unable to without your personal code word. Anyone calling to do business on your account OR as a signer on your account will be asked for the code word before any information is discussed over the phone. So, the only people with access to your money are you and your cosigners!

E-STATEMENTS
Enroll in e-Statements through Online Banking to reduce the amount of paper you receive—and the amount of information that could potentially fall into the wrong hands. Thieves still find your information the old-fashioned way: by stealing statements and other sensitive documents right out of your trash or mailbox. With e-Statements, your account summaries arrive securely in your Online and Mobile Banking account, safely away from dumpster-diving thieves.

Kirtland FCU is committed to safeguarding your personal and financial information through advanced security techniques and monitoring, in addition to offering the account services mentioned earlier. 
What else can you do? What if a thief strikes anyway? 


Purchase ID Theft Protection

Kirtland FCU partners with Identity Fraud, Inc. to offer a comprehensive suite of protection products that help minimize your risk of becoming a victim of identity theft. Services can include:
  • SSN Monitoring – to catch thieves using your social security number
  • Credit Monitoring – to identify unusual activity so you can take action
  • Credit Card Monitoring – scours chat rooms and online activity for your credit card information to identify potential fraud
  • DataSweep Monitoring – to identify your personal information online and alert you
  • Identity Insurance – should the worst happen, you’ll be covered
  • Lost Wallet Services - a 24/7 support team that helps you act quickly to limit your losses, maintain your good credit, and replace your lost or stolen cards
  • Keystroke Encryption Software - helps protect your identity by encrypting your keystrokes and hiding them from hackers, malware and key loggers intent on stealing your sensitive credentials while using the internet.
  • 24/7 Unlimited Resolution & Prevention Assistance - VRS Elite staff ready to assist you with fraud resolution, no matter what type or how you experience identity theft.
Cover yourself with these protective services, and more, for less than $3 a month.

Explore and sign up for Identity Fraud, Inc. coverage!
 
Identity Theft Protection insurance and programs are made available through the Identity Fraud, Inc. Contracts for insurance are agreements between you and Identity Fraud, Inc. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by Kirtland FCU. Kirtland FCU enables this insurance program to be offered to its members.
   

Security Fraud

Identity theft is a BIG problem. In fact, identity theft hit a record high in 2016, striking more than 15.4 million people.

Thieves and scammers are constantly developing new techniques for gaining access to your money and personal information. Here are a few of the most common types of fraud.
 

OVER THE PHONE

  • The attack: Telemarketing Fraud
    • What it is: Telemarketing fraud happens when you are basically asked to act now or send money straight away in order to be able to access some sort of special offer. This information will be given to you over the telephone and the telemarketers can be very convincing. If you have been cheated over the telephone, it is very difficult to get your money back. Every year, approximately $40 billion is lost to telemarketing fraud, according to a 2001 AARP study. More than 55% of these people are over the age of 50.
    • What you can do: Make sure you check who is calling you, ask for written copies of their terms and conditions, and look the company up before you send money and receive business information.
  • The attack: The One-Ring Scam
    • What it is: The Federal Communications Commission is alerting consumers to reported waves of “One Ring” or “Wangiri” scam. In this scam, robocalls target specific area codes in bursts, often calling multiple times in the middle of the night. These calls are likely trying to prompt consumers to call the number back, often resulting in per minute toll charges similar to a 900 number. Recent reports indicate these calls are using the “222” country code of the West African nation of Mauritania.
    • What you can do: Do not call back numbers you do not recognize, especially those appearing to originate overseas, and file a complaint with the FCC if you received these calls at www.fcc.gov/complaints.

If you never make international calls, consider talking to your phone company about blocking outbound international calls to prevent accidental toll calls.

Check your phone bill often for charges you don’t recognize.
 

ONLINE

Similar to phone techniques, thieves will send fakes e-mails that appear to be from legitimate businesses or agencies. Some concentrate their efforts on hacking or spreading malware, using technology to accomplish their theft.
 
Beware any communication that requests money or personal information. Legitimate businesses will not contact you online for issues unless you’ve pre-arranged it, and they will never ask for login information.

Types of Fraud
  • The attack: Phishing
    • What it is: The use of fake e-mails or text messages that appear to come from legitimate sources.
    • What you can do: Don’t respond. A legitimate company will never ask for personal information or financial information over e-mail. If you haven’t initiated the communication, contact the company or institution yourself to verify, especially if the communication asks for data or money. Kirtland FCU will NEVER contact you via e-mail asking for personal information.
  • The attack: Pharming
    • What it is: Directs users to a spoofed website where personal information is captured (such as log-in information).
    • What you can do: Check the URL of any website before entering any information. Better yet, type the URL of the site yourself and navigate to what you need, rather than clicking a link.
  • The attack: Malware
    • What it is: This is a computer attack that installs software on your computer when you click an infected link. The software, called malware or spyware, is designed to steal and transmit personal information.
    • What you can do: Don’t click any link if you’re not 100% sure of the destination. Also, make sure your computer security programs and firewalls are up to date and operational.
  • The attack: Data Breach
    • What it is: More and more common, data breaches are security incidents in which sensitive, protected, or confidential data is copied, transmitted, viewed, stolen, or used by an unauthorized party.
    • What you can do: Monitor your credit cards and checking accounts frequently for any unauthorized transactions or unusual activity. If you find any, alert your card company or Kirtland FCU so we may take steps to protect your accounts. We may reissue cards in the event of a data breach to stop any theft before it occurs.
  • The attack: Crowdfunding Scams
    • What it is: Crowdfunding is an online effort to raise money for a cause or project. But the project you’re backing is only as good as the people behind it. Some dishonest people can take your money but produce nothing–no product, no project, and no reward. People called “creators” ask for small amounts of money from lots of people to fund projects through websites like Kickstarter or Indiegogo, or the creator will create a charity story for use on GoFundMe.com or similar sites. In exchange, creators offer rewards to contributors like a product that the creators are trying to make. Or the creator will claim to pass the profits on to the beneficiary. Sounds great—unless the creators don’t create anything but profit for themselves.
    • What you can do: If you’re thinking about contributing to a crowdfunding campaign, take a minute to research the creator’s background and reviews before you pay. For example, has the creator engaged in previous campaigns? How did those campaigns turn out?

IN PERSON

Types of Fraud
  • The attack: Skimming
    • What it is: The theft of credit or debit card information typically completed using a device that reads the magnetic strip.
    • What you can do: This point-of-sale version of identity theft is common at gas stations, ATMs, and other business with card readers that are not physically monitored. If you feel unusual movement or your card is difficult to swipe, abort your transaction and notify the vendor and your credit card company.
  • The attack: Mail Fraud
    • What it is: The definition of mail fraud is simple: it’s any fraudulent activity that involves the use of postage mail. This could mean sending a letter to try and scam money or personal information from someone, stealing and opening someone else’s mail, or using chain letters to collect money or items. If mail is used at any point in the fraud process, it’s considered mail fraud.
    • What you can do: The best way to guard against mail fraud is to make sure a letter is legitimate before responding to it. If there’s a phone number printed on what looks like a piece of official communication, verify it’s actually the phone number of the company involved and not a fake one.
      • A good rule of thumb when mailing a letter that includes personal information such as your bank account number or Social Security number is to take it directly to the post office so it can’t be stolen out of your mailbox.
      • Make sure you don’t leave mail out in your mailbox for too long! If you know you’ll be away for a while, consider temporarily stopping your mail service or asking a neighbor to get it for you until you’re back in town.
  • The attack: Dumpster Diving
    • What it is: Obtaining personal information by digging through trash for statements, receipts, or other personal or financial information.
    • What you can do: Shred! Make sure all documents containing your personal information or financial data are shredded prior to disposal. You can also sign up for e-Statement through Online Banking and eliminate the possibility of this form of identity theft.
  • The attack: Address Change/Mail Forwarded
    • What it is: Unauthorized forwarding of your mail to an identity thief.
    • What you can do: If you don’t receive a monthly statement that you normally would, contact the company immediately to inform them. You can also go paperless with many vendors, eliminating the opportunity for thieves to redirect your mail.
  • The attack: Tax Fraud
    • What it is: Also known as stolen refund fraud, it occurs when someone else receives your refund by stealing your Social Security number and filing your taxes themselves. By the time you send in your real return, it’s rejected by the IRS because you’ve “already filed.” It sounds crazy, but this kind of identity theft happens more often than you’d think—actually, it’s one of the top scams the IRS encounters each year.
    • What you can do: Be vigilant about who and where you give your personal information. Play it safe by using security software on your computer. And don’t ever carry around your Social Security card or anything with your Social Security number on it—including your W-2! Keep it all in a safe place.

Though the overall number of victims hit an all-time high in 2016, the amount of loss per victim actually decreased, thanks to higher awareness and faster action on the part of the victim and their financial institution.

No matter the method, early detection is key. Three credit bureaus monitor your activity, and you have access to credit reports from each of them at annualcreditreport.com.

Security Fraud

Last month, we introduced the social security scam.  What you may not know is how prevalent this scam is and how fast its growing and changing.

Here's how it works:

The scam itself is not new, but the method itself is. Consumer protection agencies call it the "Social Security impostor scam." 

You get a call with a warning that your Social Security number has been suspended because of suspicious activity or because it’s been used in a crime. You are asked to confirm your number or told you need to withdraw money from the bank and buy gift cards in order to resolve the situation.

The phone call may be a robocaller with a message to "press 1" to speak with a "support representative" from the government to reactivate your Social Security number. The scammers use technology to spoof your caller ID to make it look like the Social Security Administration is really calling.

In the last 12 months, people filed more than 76,000 complaints about Social Security impostors, reporting $19 million in losses. The median reported loss last year was $1,500, the FTC said.

People are asked to give up the personal identification numbers (PINs) on the back of gift cards or use virtual currencies like Bitcoin to pay. (According to the FTC's consumer alert, people withdrew money and fed cash into Bitcoin automatic teller machines.)

After handing over the gift card numbers to the "Social Security office," one consumer interviewed by Fraud.org was told he would receive a refund equal to the amount he paid to unfreeze his account from the Federal Reserve. Of course, the refund never came, and the man lost nearly $20,000.

The scammers can be clever, and they will try new stories and new methods in order to keep their scam effective and claim the most amount of money they can. With numerous data breaches that have hit corporate America, fraudsters may already have accurate personal information about you, including your real Social Security number. The information is used to build trust and make the call seem more legitimate, he added.

How you can stay safe:

According to Fraud.org and the FTC, here are some important things to remember:
  • Don't trust your phone's caller ID. Scammers can make it look as if the Social Security Administration is calling and even use the agency's real number.
  • Don't give your Social Security number, other personal information, to a caller on the phone.
  • Social Security will never suspend your number, according to Fraud.org. If anyone tells you something different, you're being scammed.
  • Social Security will never call you and demand money. No government agency will demand you pay something using gift cards or Bitcoin either.
  • If you have a question, check with the real Social Security Administration. The administration will never contact you out of the blue. The agency's number is 1-800-772-1213.
  • Talk about the scam with friends, family and neighbors. Report government impostor scams to the FTC at ftc.gov/complaint. 
  • No legitimate business will call you to request your Social Security number, including Kirtland Federal Credit Union. Feel free to hang up on these calls. If you would like to check the legitimacy of a call, you can always initiate a call to the business yourself to check.
Sources: USAToday.com, Fraud.org, FTC.gov
   

Security

ATMs are convenient—but that convenience also makes them an attractive target for thieves. Following a few simple guidelines can help keep you, your information, and your money safe.
 
  • Never tell anyone your PIN. ATM transactions require this number combination, and it’s the biggest safeguard you have against unauthorized activity. Do not write it down, tell anyone, or let someone else enter the code for you. Memorize it.
  • Take your receipt with you. Do not leave it at or near the ATM. Many receipts don’t have full account numbers, but any information at all can be dangerous in the wrong hands.
  • Do not give out information about your ATM card over the phone or online. Kirtland FCU will never ask you for your PIN.
  • Report a lost or stolen card immediately. Prompt reporting reduces the chance someone will use it fraudulently. To report a lost or stolen credit card or report fraudulent activity, call: 1-800-449-7728. To report a lost or stolen debit card or report fraudulent activity, give us a call at 1-800-880-5328. 
  • Check your receipts against your monthly statements. Verify each transaction.
 
There are physical safeguards you can follow while using an ATM that will also help protect your money as well as your safety.
  • Always check your surroundings before beginning the transaction. If you see something suspicious, leave the area. 
  • Inspect the card slot before inserting it. Thieves use swiper devices (learn more) that fit over the slot to steal your card information right off your card. If any part of the slot looks loose or out of place, do NOT insert your card.
  • If the ATM is poorly lit or obstructed from view, try another ATM.
  • Have your card out and ready before approaching. Minimizing the time you spend at the ATM is crucial. Also, digging through a bag or wallet can distract you from your surroundings.
  • Block the view of the transaction. Stand between the ATM and any other person in the area so others cannot see your PIN entry or transaction amount. Use your hand to shield your entries from above. Thieves sometimes install cameras to try to capture a PIN as it’s entered.
  • Strength in numbers. When possible, take a companion along to an ATM, especially at night.
  • If you see anything suspicious, cancel your transaction and leave the area.
  • If anyone follows you after an ATM transaction, go immediately to a crowded, well-lit area and call the police.

If anyone approaches you at an ATM asking you to withdraw money for them, say no and leave the area immediately. Do not do favors involving an ATM (read why here).

ATMs are an easy target for thieves, whether they're after a quick cash grab or your identity. Your safety is paramount. If you're uneasy at any point, leave the area. Withdrawing money at a branch or as part of a cash-back transaction at a store are also alternative options. 
 
But with good habits and awareness, ATMs can offer the convenience and ease of access you need. That's why we're proud to be part of the CU Anytime/ CO-OP Network, with more than 30,000 nationwide ATMs—fee-free!
 
Find an ATM now!

Security Banking

It’s the first of the month—do you know where your account statement is? 

If you’re still receiving your statement from Kirtland FCU the old-fashioned way (snail mail!), you’ll be waiting for a few more days. That’s because the process of printing and mailing statements takes time. But, it’s the 21st century! There’s no need to wait. If you haven’t signed up for e-Statements from Kirtland FCU, here are five reasons why you should consider doing it today.
 
  1. IT’S GREENER - Paper, paper, paper! It makes the world go ‘round. But all that paper means a whole lot of trees and a whole lot of recycling. Switch to e-Statements, and you’ll receive an e-mail each month reminding you to securely log in to your online banking account to review your statement, no paper required. Less mess, less waste.
  2. IT’S SAFER - There is a bevy of sensitive, personal information on your account statement—your name, your account numbers, and your address. A physical statement sitting in your mailbox is an attractive target for an identity thief. Keep your information safe by keeping it out of your mailbox and out of the hands of a potential thief. 
  3. IT’S FASTER - A traditional statement is mailed to you within the first few days of each month. Once in the mail, that statement has to travel through the post office system to arrive in your mailbox. But an E-statement? Let’s just say the delivery route for e-mail is a WHOLE lot faster. Don’t wait for your statement in the mail!
  4. IT’S CONVENIENT - Have you ever needed to check a transaction that happened a few months ago—or even a year ago? With a paper statement, depending on your level of organization, you’ll have to sort through a pile of paper to find the one you need. With e-Statements, you have access to the last 24 months of statements through your Online Banking account, 24/7. Talk about easy!
  5. IT’S EASY TO SIGN UP - Switching to e-Statements is easy! Just log into Online or Mobile Banking. In Online Banking, select Additional Services and click Online Statements. Through Mobile Banking, tap your navigation menu and select Online Statements. Just follow the prompts to enroll. You’ll begin to receive your e-Statements in your e-mail and have full access to the last two years of your statements.

Easy!

Home Loans

First-time homebuyers—or those who haven’t owned a home in years—face unique challenges in the home loan process. One of these challenges is the down payment. While an FHA (Federal Housing Administration for first-time homebuyers) loan offers reduced down payments, the sum required—3.5% of the sale price—will still total in the thousands for the average home.  This is on top of any other closing costs and other standard mortgage processing costs.

And for a buyer who hasn’t owned a home in years but is ineligible for an FHA loan, the even more sizable down payment may seem out of reach. Without an existing home sale to fuel a future purchase, the down payment can be a major barrier in the home buying process.

For these homebuyers, there is Jump Start!

Jump Start is a down-payment assistance program that provides up to 3% or $6,000 toward a down payment for qualifying homebuyers.
 
Think you may qualify for a Jump Start? Here are a few details you need to know:
  • Jump Start does not need to be repaid. While you do not have to repay this assistance (provided you meet the qualifications below), the addition of the program could affect your interest rate. Ask your home loan team for more details. 
  • Jump Start does not cover the entire down payment. The minimum buyer contribution to the down payment is $500.
  • You must remain in the mortgage for at least four (4) years. If you sell, transfer, or refinance the property you purchase with Jump Start before that, you’ll be responsible for repaying the full amount of the assistance.
  • There are income restrictions. Buyers must make no more than $65,500 for a 1–2-person household and $74,750 for a 3+ person household at the time of purchase to qualify.

Want to learn more about how the Jump Start might help you start your homebuying journey? Come talk to a Kirtland FCU home loan specialist today at the brand-new Kirtland FCU Home Loan Center at 6700 Jefferson NE, Suite D-1. 

Learn why Kirtland FCU is Albuquerque’s home loan leader and start your application today by calling 1-800-880-5328 or visiting us online at KirtlandFCU.org/HomeLoan.

 
An equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. Income limits and restrictions apply. Maximum assistance will up to 3% of the purchase price or a maximum of $6,000 with a maximum loan amount not to exceed $200,000. Loans with Jump Start assistance will require PMI. Borrowers will be required to complete a homebuyer education course. At least one borrower cannot have owned a home in the past three (3) years to be eligible for Jump Start assistance. Cannot be combined with any other offers. Program may be cancelled or suspended at any time without notice. Membership eligibility required. See a representative for complete details.

News Home Loans

You dreamed of a home, and so did Kirtland Federal Credit Union’s home loan team.

On the northeast corner of Jefferson and Osuna, a transformation has been underway in expectation of Kirtland Federal Credit Union’s new Home Loan Center. This centrally-located office now houses all of Kirtland FCU’s mortgage and home loan services under one roof for the first time in their 60-year history.

Mortgages? Check. Home equity services? Check. Education and learning opportunities. Check, check! If it’s home-related, it’s happening here at the Kirtland Federal Credit Union Home Loan Center, which proudly opened its doors on May 1, 2019.

Thinking of buying your first home? Exploring a home equity loan or line of credit? Come see the local experts at the Home Loan Center!

“Masters of mortgages. Heroes of homebuying.”

Kirtland FCU is Albuquerque’s home loan leader. Every step of the process is done locally, right here in Albuquerque. And after you get the keys and unpack the boxes, all your payments are made right here, too. You’ll never send a check out of state.
 
Even if you’ve already talked with someone else, apply and see how Kirtland FCU compares.
 
Great rates. No hidden fees. Local payments and services.
 
Let’s get moving!

Kirtland Federal Credit Union – Home Loan Center

HOURS:
Monday–Friday 9:00 a.m.–5:00 p.m.
Saturday 9:00 a.m.–1:00 p.m.
Sunday CLOSED

ADDRESS:
6700 Jefferson NE
Suite D-1
Albuquerque, NM 87109

Apply today at
KirtlandFCU.org/HomeLoan.

 
An equal housing lender. Financing available for properties in New Mexico only. All loans are subject to approval. Membership eligibility required. See a representative for complete details.

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