John and Jennifer Hall had plenty of mortgage options for their first home, including a VA loan. But because they were buying a starter home, it made better sense to work with a non-profit financial cooperative—the State Employees' Credit Union (SECU) in North Carolina.John and Jennifer did their homework, comparing costs with financial institutions in the marketplace. Aside from lower fees and closing costs, SECU did something the others didn't: a credit-union employee sat down with the couple to explain the pros and cons of the various mortgage options
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