Everybody wants a low rate on their mortgage, but not many understand all the things that go into determining your rate. For many home buyers, these factors can be confusing and difficult to determine. Knowing what affects your rate can help you secure a better deal.

Jason Kimmel is the co-founder and owner of Peppercini’s, a staple of Alaska dining since he launched its first sandwich shop nearly 15 years ago. From day one, Jason has been working to make Peppercini’s a company dedicated to giving back to the community. He and his team are not only frequent partners in Nuvision’s outreach programs—like the NuvisionCares program that provided meals to frontline healthcare workers–but they also constantly provide donations to other local organizations. To thank Jason for his dedication to the Alaska community, we’re recognizing him as this month’s Nuvision hero.

With this year’s Added Advantage Holiday Giveaway starting in just a few weeks, now is your chance to make this season the best one ever. Starting Monday, November 8th enter for your chance to become our next grand prize winner and earn up to $6,000!

In four weeks, we’ll be gathering around the dinner table for a Thanksgiving meal with loved ones we haven’t seen all year, putting up decorations, and stopping by friends’ houses for holiday parties. Seven weeks will also mark the start of the slowest season in the housing market: The Holiday Market, a time when inventory and demand decrease.

the LA Department of Children and Family Services, she now works full-time in the financial services industry, where she and her husband have built a practice helping families strengthen their financial futures and mentoring agents who want to make a living as business owners. For years, she’s partnered with us to lead financial workshops for high school students across Southern California. That, along with her commitment to community service, is why we choose Kirsten for this month’s Nuvision Hero.

October 21st is the 73rd annual International Credit Union Day–and we can’t wait! It’s the perfect opportunity to reflect on the importance of our mission and celebrate the members like you who make it possible. To thank you for your membership on this day, we’ll be hosting a $100 gift card drawing on Instagram.

The IRS has proposed adding a reporting provision to the $3.5 billion spending bill currently being discussed in Congress, which will require financial institutions like Nuvision to report all transactional information about your spending habits to the Internal Revenue Service (IRS). We feel it is our responsibility to alert members about this concerning legislation and provide you with as much information as possible to help you push back against this infringement on your rights.

As leaves begin to fall, housing inventory and demand do too. With kids starting school and families gearing up for the holidays, moving becomes more disruptive. Despite the coming drops in demand, this year’s market won’t be cooling down.