Mortgage Shopping?

When you are ready to apply for a mortgage, Justice FCU is by your side to offer a full range of mortgage products and services to choose from:

• 15-, 20-, 30-, and 40-Year Fixed-Rate Mortgages
• 1/1, 3/1, 5/1, 7/1 and 10/1 Adjustable-Rate Mortgages
• 100% Financing* on Purchases (Fixed/ARM Programs)
• Up to 90% Financing* on Refinances (Fixed/ARM Programs)
• Interest-Only Mortgage Programs (Fixed & 3/1, 5/1, 7/1 ARMs)
• Cash-out Refinances for Debt Consolidation and Home Improvements (up to 90% of the property value)
• Jumbo Loans (down payment is required on purchases)
• Self-Employed
• Second/Vacation Homes
• Simultaneous Seconds (Piggyback Loans) to avoid paying PMI*
• Free Home Buying/Home Selling Seminars**
• The Home Rebate Program offered by Justice FCU and CU Realty Services

To learn more about Justice FCU mortgage programs, homeownership, and its benefits, visit our Global Branch, jfcu.org, or call 1.800.550.JFCU (select option 5 for mortgages).

To apply for mortgages, visit our Web site and apply on-line, visit one of our branches to pick up a mortgage package, or call us to get personal assistance.

Make Your IRA Contributions Now

It's not too late to open and contribute to an individual retirement account (IRA) for the 2006 tax year. You have until tax-filing day to take advantage of this great opportunity to save for your future.

And it's not too early to start contributing to your IRA for 2007. The sooner you start saving, the sooner your money will go to work for you.

Justice FCU offers both Traditional and Roth IRAs. Both types have unique benefits. Earnings on a Traditional IRA are tax-deferred until the time of withdrawal. And contributions may be tax-deductible. A Roth IRA can receive only nondeductible contributions but the distribution of contributions are tax-free and penalty-free after a five-year holding period if the account holder is at least age 59 ½.