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Special Financing & Low Income Assistance Programs 

To aid our members with low incomes or previous financial problems we have created a multi-level program. This includes the Fresh Start Credit program, Emergency Loan Assistance Program, the Starter Loan program, Low Income Financing, and a First Time Home Buyer Program.

Fresh Start Credit Program 
Designed for our members who may have gotten off track with their personal finances and need help to reestablish their credit or are in need of an emergency loan. In conjunction with Consumer Credit Counseling Services, Sharefax Credit Union, Inc. has created a money management educational program for our members with credit problems. Some members, who do not qualify for a loan under our current lending policy, can complete a credit management session and be automatically approved for a loan with certain restrictions.  

$en$ible Cash Loan Program 
This program is to offer our members as an alternative to check cashing outlets during times of need. Members can receive funds in as little as ten minutes with low fees and an extended repayment period! 

Starter Loan Program 
This is a loan program with less stringent guidelines to help qualified members, with limited or no credit, begin to establish a credit history. With this program, members are approved for a vehicle loan or issued a small starter loan in the form of a signature loan, credit card or credit line that helps them to step out in the right financial direction.  

Low Income Financing 
This program is to assist individuals with household incomes less than $50,000 per year, who have good credit, but a higher than normal debt to income ratio. By meeting certain requirements, members are eligible for loans to purchase necessary transportation or durable household goods (i.e. washer, dryer, etc.). Members may also be eligible for a small signature loan.  

First Time Home Buyer Program
In conjunction with the Home Loan Payment Relief Program (HLPR), individuals looking to purchase their first home can find affordable financing with low out-of-pocket costs. The HLPR program offers a three-year adjustable rate mortgage at one percentage point BELOW the national average for such loans to qualifying borrowers. Borrowers can finance up to 97% LTV with higher than average debt to income ratios up to $500 in closing costs as well as PMI if required.  We also offer a 15/30 fixed rate mortgage with the same generous debt to income ratio, high LTVs and low closing costs.

15/30 1st Mortgages
With our 15/30 1st mortgage your monthly payment will be based on a 30 year term with a 15 year fixed rate balloon payment due upon maturity. This loan is a great way to get a lower payment and the best rate.

To speak with a Loan Officer or for more information contact (513) 753-2440. 

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