FIRST ALLIANCE BLOG

4 min read

Manufactured Home Loans: Finance a Home in a Park

Kamel LoveJoy: Oct 9, 2025 8:19:34 AM

Maya is tired of rising rent. She finds a clean two-bedroom manufactured home in a well-run park near work. The price fits her budget. She needs a...

4 min read

The Ultimate Guide to Writing a Business Plan with Help from the SBDC

Kamel LoveJoy: Oct 7, 2025 6:21:56 AM

Starting a small business is exciting, but it can also feel overwhelming. You might have a great idea and a lot of passion, but when it comes to...

5 min read

Cash-Out Refinance: How Much Equity You Need and How It Works

Kamel LoveJoy: Oct 2, 2025 5:00:00 AM

5 min read

Small Business Loan Requirements & The 5 C's of Credit

Kamel LoveJoy: Sep 30, 2025 5:00:00 AM

Starting a business takes grit, heart, and a plan. Lenders want to see that plan in action. When you understand small business loan requirements, you...

5 min read

What Credit Score Do You Need To Buy a Car?

Kamel LoveJoy: Sep 25, 2025 5:00:00 AM

You want a car that fits your life and a payment that still leaves room for groceries, rent, and savings. Your credit score does not make or break...

5 min read

What Is Overdraft Protection? How It Works, Fees & Options

Kamel LoveJoy: Sep 23, 2025 5:00:00 AM

When money timing gets tight, overdraft protection keeps essentials paid without panic. This guide helps you pick the setup that fits your habits,...

2 min read

$10,000 Grant Fuels Financial Literacy Program for Rochester Youth

First Alliance Credit Union: Sep 19, 2025 4:38:29 PM

The First Alliance Credit Union Foundation has awarded its largest-ever grant, $10,000, to the Boys & Girls Club of Rochester to expand its Money...

5 min read

Roth vs Traditional 401(k): Choose the Option That Saves You More

Kamel LoveJoy: Sep 18, 2025 5:00:00 AM

Quick compare: A Traditional 401(k) lowers your taxable income today and you pay taxes in retirement. A Roth 401(k) uses after-tax money today and...

4 min read

What Is an Overdraft? Fees & Simple Ways to Avoid Them.

Kamel LoveJoy: Sep 16, 2025 5:00:00 AM

You are at the grocery checkout. Bags are packed, your kid is asking about snacks, and your card says “declined.” Most of the time it is not a bad...

6 min read

What Is PMI Insurance? Simple Guide to Buying a Home Sooner

Kamel LoveJoy: Sep 11, 2025 5:00:00 AM

Buying a home can feel out of reach when saving a big down payment is hard. Private Mortgage Insurance, or PMI, can help you move in sooner with less...