Question 1

What is a routing number on a debit card?

Accepted Answer

A routing number is NOT printed on your debit card—it's a 9-digit code that identifies your bank and is found on checks or in your online banking. Your debit card shows the card number, expiration date, and CVV. To find your routing number, check your paper checks, bank statement, or log into your online banking account.

Question 2

What is a VA loan?

Accepted Answer

A VA loan is guaranteed by the Department of Veterans Affairs for eligible military service members, veterans, and surviving spouses. Benefits include no down payment required, no mortgage insurance, competitive interest rates, and limited closing costs. The VA doesn't lend money directly but guarantees loans made by approved lenders, reducing their risk.

Question 3

How do I identify fraudulent transactions?

Accepted Answer

Review statements regularly for unfamiliar merchants, duplicate charges, small test transactions, unexpected foreign charges, or amounts that don't match your records. Report suspicious activity to your bank immediately.

Question 4

What is a conventional mortgage?

Accepted Answer

A conventional mortgage is not insured or guaranteed by the federal government. It typically requires higher credit scores (620+) and down payments than government-backed loans. Conventional loans can be conforming (meeting Fannie Mae/Freddie Mac standards) or non-conforming (like jumbos). PMI can be removed at 20% equity, unlike FHA loans.

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Frequently Asked Questions

What is a routing number on a debit card?

What is a VA loan?

How do I identify fraudulent transactions?

What is a conventional mortgage?

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