What can a Member do at Credit Access?

A member can buy down the interest rate at Credit Access, which involves paying an upfront fee to reduce the overall interest rate on a loan. This can make monthly payments more affordable and decrease the amount paid over the life of the loan. By opting for this strategy, members can save money in the long run, as lower interest rates lead to reduced interest expenses.

In contrast, increasing the loan amount may not be directly facilitated by Credit Access, and decisions regarding title insurance are usually specified by the lender's requirements, often making it essential rather than optional. Additionally, closing costs typically involve various fees that are standard in transactions, and while some fees may be negotiable, they cannot generally be completely eliminated through Credit Access.