Banking Is Personal - Blog

Welcome to Banking is Personal. This blog is a place where Salin Bank hopes to give you information you can use. Our goal is to arm you with resources and knowledge about mortgages, wealth management, business lending and other banking-related issues that affect you and your financial objectives.

Getting Pre-Qualified is a No-Brainer in a Seller’s Market

By Lynne Coverdale, Senior Mortgage Consultant, Salin Bank on July 5, 2016

It’s only a piece of paper, and that paper has power for only two to three months. Still, if you’re in the market to buy a home, a pre-qualification letter is a crucial initial step in the mortgage process. That piece of paper certifies to everyone concerned – home sellers, real estate agents, and yourself – that, based on your overall financial picture, you can expect to qualify to borrow a particular amount of money towards the purchase of a home.
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Picture You – A Smart Buyer in a Sellers' Market

By Lynne Coverdale, Senior Mortgage Consultant, Salin Bank on June 30, 2016

You’ve been looking for a new home to buy but can’t find one. Join the crowd. 
Of the ten tips on REALTORMag®’s 2016 home buyer to-do list, #1 is a “not-to-do” - “DON’T WAIT.” The supply of homes isn’t likely to increase significantly any time soon, and some aspects of home buying might become even more challenging in the not-so-distant future.
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The Mortgage Loan Doctor Is In for Physicians

By Tom Lannan, Senior Vice President, Mortgage Banking on June 22, 2016

Hefty student loan debt can often deter homeownership for individuals just starting their career. This is especially true for physicians and those in the medical field. According to the American Medical Association, more than 70 percent of physicians under the age of 40 have student loan debt and nearly half carry amounts ranging between $150,000 and $200,000. 
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Money Matters On Campus

By Chuck Gearhart, Senior Vice President, Salin Bank on April 19, 2016

Credit card use among two-year and four-year college students is on the rise, with both groups of students exhibiting less financially responsible behavior over the course of the academic year, according to a new survey.
The study includes data from nearly 90,000 college students (85,000 from four-year institutions, and 4,300 from two-year institutions) across the United States and Canada who were polled on their financial knowledge, attitudes and behaviors. The full report, from EverFi and Higher One, can be found here
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Scam Alert: Microsoft Is Not Calling to Fix Your PC

By Jim Badger, Senior Vice President, Salin Bank on March 29, 2016

My father called me the other day to tell me he allowed someone he met online to virtually take over his computer.  I couldn't believe that he had fallen for that scheme; allowing access to somebody just becasue they promised to make his computer run faster.  My brother and I quickly went over to his house to make sure that his computer didn't have any new unwanted software programs that would steal his user names and passwords and ultimately empty his bank accounts.  

Technical support scams are popping up more and more - from scammers peddling bogus security software, to setting up fake Websites, to sending alarming messages that your computer is infected.

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