In this episode of A+ You, brought to you by Affinity Plus Federal Credit Union, hosts Danielle Johnson and Amber Shanley are joined by Tara Rutz, Mortgage Servicing and Origination Manager, to help simplify the often overwhelming world of homeownership.

From buying your first home to making long-term improvements, Tara offers clear explanations, helpful tips, and relatable stories about the journey of owning a home. Whether you’re just starting out or already settled in, this episode will help you feel more informed—and empowered.

Listeners will learn about:

• The difference between appraisals and inspections
• What escrow really means and how it works
• Down payment expectations (hint: it’s not always 20%)
• What mortgage insurance is and when it applies
• How to prepare financially for homeownership
• The step-by-step home buying process
• Home equity loans vs. HELOCs (home equity lines of credit)
• What to expect during the closing process
• The role of Affinity Plus in supporting members beyond the mortgage

Whether you’re exploring your first home or planning a renovation, this episode helps make the process feel a little more approachable—and a lot more exciting.

Affinity Plus Federal Credit Union - federally insured by the NCUA