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Montgomery, Alabama - Savings & Loan Associations search results Premier Listings

Edward Jones--Financial Advisor: Kenneth V Davis
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Financial Advisor: Jonathan E Shoffner
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Edward Jones - Financial Advisor: Sang Y Chung
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Financial Advisor: Laurel J Callaway
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Edward Jones
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Popular Savings and Loan Association Terms

Banks provide clients with all types of services. While some individuals use banks for personal and savings accounts, others will want to secure a loan. In order to qualify for a loan, prospective borrowers will need to meet certain parameters based on their income, credit history and loan amount. Loans may be taken out for a home mortgage or to start a small business. Below are some need to know terms to become more familiar with these savings and loans.

  • Equity - Equity is the difference between the outstanding balance owed on the property and the current market value.
  • Default - A default is the failure to meet the financial terms of the mortgage agreement.
  • Interest - The interest is the amount of money paid by a lender to the borrower for the use of the lender's money. Banks will also allow clients with a savings account to incur interest.
  • Processing - Processing is when all the pertinent information for the loan is gathered. This includes putting together all the necessary documents, including appraisal, credit history, credit scores and income statements.
  • Collateral - Collateral is the property that is put up in order to secure the debt. If the debt cannot be paid, the lender can repossess the property.
  • Bond - A bond is a debt of security that will authorize individuals to only pay the interest for a period of time and pay the principle at a later date.
  • Refinancing - Refinancing involves the replacement of an existing loan with a loan under different terms. Borrowers may refinance to obtain a better interest rate, consolidate debt into one loan and reduce monthly payments.
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    Set yourself up for a successful financial future with help from our local Montgomery area savings and loan associations. Choose the perfect association to help you with savings and loans in the community.
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    Southfirst Bank
    102 5th St N, Clanton, AL 35045
    (205) 755-3975
    Alabama Telco Credit Union
    15660 Highway 280, Chelsea, AL 35043
    (205) 678-7797
    Alabama Telco Credit Union
    1 Riverchase Pkwy S, Birmingham, AL 35244
    (205) 985-2828
    600 3rd Ave, West Point, GA 31833
    (706) 645-1391
    300 Church St, Lagrange, GA 30240
    (706) 884-2666
    Flag Bank
    101 N Greenwood St, Lagrange, GA 30240
    (706) 845-5002
    1861 Roanoke Rd Ste A2, Lagrange, GA 30240
    (706) 884-3988

    Savings and loan associations have been around for many years now. These national and federal banks assist people with finances and aid money for a number of reasons. It is common for a professional in this business or service to deal with student education loans, home mortgages, the stock market, and small business owners. While these experts do assist people with saving money for the future, they also help by granting loans for all sorts of purposes with different needs.

    There are a number of reasons you may visit a savings and loan bank. Maybe you need to refinance your home or wish to pull out equity on it. Some men and women need financial aid in order to go to college, while other people simply want to earn a good amount of interest on their savings. Home owners often require the services of professionals in this industry to finance a property or to get great insurance rates. While some savings and loan officers work via the internet, others will be located in your town or city at a local bank. However, the interest rates and home insurance policies they deal with will vary.

    On the internet you can learn a lot about finance professionals, student loans, and bank locations in your area. In fact, it is prudent to seek out information from as many legitimate sources as you can find. This way you will get all of the data you need pertaining to savings and loan associations, and the assistance you require.

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