Live Better by Centric FCU

Curious about how refinancing could become your financial lifeline amid rising mortgage rates? Join us as we welcome Laura Hawthorne, Centric's Chief Consumer Lender, who brings over 25 years of expertise to unravel the complexities of mortgage rates and refinancing. Laura shares her invaluable insights into the current state of mortgage rates, discusses the resulting affordability concerns for potential homeowners. You'll learn about Centric's comprehensive support services, including financial counselors and a dedicated mortgage team ready to guide first-time homebuyers through the maze of borrowing, insurance, and property taxes.
Discover the pivotal role refinancing can play in enhancing cash flow and how it aligns with your personal financial goals. We emphasize the importance of understanding your current interest rate and clarify the motives behind refinancing, whether it's to secure a lower rate or to create more manageable monthly payments. This episode highlights the crucial benefit of consulting with financial counselors and explores debt consolidation as a means of simplifying payments. We also touch on the advantage of seeking pre-approval for new purchases and leveraging tools to find the best deals, even beyond your local area. Tune in for a wealth of expert advice that could transform your financial future.

On this month’s Podcast, we sat down with Centric’s Vice President of Business Development, Matt Waldroup, to discuss Centric’s benefits and Business Services.

Matt shared with us some of the great benefits Centric’s Business Services team offers. Some of these include competitive rates and terms for Business loans, business checking and savings accounts, as well as business debit and low-rate credit cards.

If you’re looking for an opportunity to expand your business and have Centric has your financial Partner, you can reach out to our Business Service’s team at 318-340-9656 or online at mycentric.org

On this month’s episode of the Live Better with Centric FCU Podcast, we sat down with Centric’s Senior Vice President & CFO, Billy Joiner and Centric’s Thomas Road Center Manager, Destiny Witherington to talk about Centric's Biz Kid$ program.

Both Billy and Destiny share with us some of their favorite memories, favorite lessons, and their over all experiences with Bizkids. Centric offers free financial education for middle and high school students throughout Northeast Louisiana. To learn more about Biz Kid$ at Centric, please visit https://www.mycentric.org/bizkids/.

When spring rolls in, the weather warms, plants begin to blossom and grow, and many people start taking their relationships to the next level. Our social media feeds fill with engagement pictures, and our schedules become busy with celebrations and wedding dates. If you are one of the happy couples planning on saying “I Do,” all of the celebrations and wedding planning can cause you to forget to plan for what life will be like after the big day. Engagement season is a great chance for you and your partner to learn how to best communicate with each other and plan ahead for what you want your future to look like.

Homeownership tends to be one of the big financial goals we all have, but it can sometimes seem like more of a burden then a blessing. Renting is a great option for people who know that they are not ready to commit to living in one place for an extended period of time. If you are ready to plant some roots but don’t think you are financially ready for it, you can set up a pre-qualification meeting with a mortgage loan originator who can tell you what financing options are available for you.