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Who's Who in the Mortgage Process (Part 2)

Who's Who in the Mortgage Process (Part 2)

Posted On: December 9, 2022 by Home State Bank in: Home Mortgage

Hello again! Here is part two of our Who’s Who in the Mortgage Process! If you missed our first post, you can check it out here!

You’ve got the ‘major players’ down, but there are still more people who are important in the mortgage process for you to know.

Shortly after you have met with your Mortgage Loan Officer and decided which loan was best for you, you’ll hear from the Loan Processor. A loan processor will request and gather all of the necessary...

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Tags: Closer, home mortgage process, Loan Processor, mortgage loan officer, New Home, Settlement Agent, Underwriter

Shipping Scams

Package Delivery Scams

Posted On: December 6, 2022 by Home State Bank in: General, Personal Banking

Thinking Outside the Box

As shippers forecast another record year of holiday deliveries, scammers are ramping up their efforts to take advantage.

As the holiday's approach and deliveries adorn your porch, remain diligent in protecting yourself against package delivery scams. It’s become all too common to receive a text message from a contact alleged to be a carrier that says they were unable to deliver a package. The message might claim the package is from a friend...

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Tags: holiday scams, personal banking, scams, Text scams

Whos Who_Home Mortgage

Who’s Who in the Mortgage Process (Part 1)

Posted On: November 22, 2022 by Home State Bank in: Home Mortgage

Want to buy a home, but have no idea Who’s Who in the Mortgage Process? Don’t fret. A lot of people are in the same boat as you!

Let’s start with the basics.

Houses are expensive and unless you have an abundance of cash, you’re going to need a bank and a Mortgage Loan Officer. Sometimes referred to as the acronym MLO, a mortgage loan officer represents the bank and their loan programs. You’ll talk with them and share enough information...

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Tags: home mortgage, home mortgage process, mortgage loan officer, mortgage specialist

Piggy Bank

From POOR to FAIR to GOOD and Climbing

Posted On: October 25, 2022 by Home State Bank in: Community, Personal Banking

It's hard to imagine light at the end of the tunnel when you are stuck in a bad place financially. I was in a place in my life where money didn't have meaning. You spent it the way you needed to and if you didn't have it, you charged it. When medical bills would roll in, I would toss them to the side because they were at the bottom of my priority list. They were turned over to collections time and time again, dropping my credit score more and more each time. 

Now,...

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Tags: Christmas club, credit score, financial success, personal banking, savings, testimonial

The Rise of the Robotexts

Rise of Robotexts

Posted On: September 12, 2022 by Home State Bank in: Personal Banking

When it comes to texting scams, the key is knowing how to respond - and when not to.

Scammers are always trying to find a way into your life. Just when anti-spam technology started to limit the number of robocalls we get (cut down by almost half over the past year), fraudsters started sneaking into our phones through another window — our text messages.

The Federal Communications Commission (FCC) recently reported that consumer complaints about unwanted texts...

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Tags: personal banking, scammers, scams, Text scams

Popular Mortgage Scam Has Resurfaced

Popular Mortgage Scam Has Resurfaced

Posted On: July 8, 2022 by Home State Bank in: Community, General

Have you purchased or possibly refinanced your home mortgage, recently?  Well, you could be a target.  

Recently blue postcards have been landing in our mailboxes.  They say "IMMEDIATE RESPONSE NEEDED" or "ACT NOW", as it pertains to your loan.

THIS IS DEFINITELY A SCAM! 

If you've recently purchased or even refinanced your home mortgage, this makes you susceptible to becoming a prime target of this specific scam.  

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Tags: Fraud Protection, scams

Online Scams

5 Cyber Scams to Watch Out For

Posted On: June 14, 2022 by Home State Bank in: Community, Personal Banking

Scams have always been around. But with all our technological advances and less face-to-face interactions, it’s been easier for criminals to target those who may feel they are in vulnerable situations to take advantage of them.

And we don’t see scams going away. In fact, according to the Federal Bureau of Investigation’s 2021 Internet Crime Report both cybercrime and the amount of money lost to cybercrime rose.

Scammers will take advantage in any...

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Tags: cybersecurity, personal banking, safe banking, scams

Shred Day Icon

Shred & Support at Home State Bank!

Posted On: May 25, 2022 by Home State Bank in: Community

We know you’ve been waiting and now you can mark your calendar for Home State Bank’s annual shred day!

No more wondering what to do with all those confidential and cumbersome papers.

Our event will take place on June 22 from 4 - 6pm in the Home State Bank parking lot.

Wondering what you can bring to shred? Check out our lists below of what is and is not accepted for shred day!

ACCEPTED ITEMS

Copy paper Letterhead Computer...
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Tags: bank events, personal finance, shred day

Allen Family

Welcoming Bob Allen as New Bank President

Posted On: April 27, 2022 by Home State Bank in: Community, General

Home State Bank is excited to announce Bob Allen is new Bank President. Bob has been with Home State Bank since April 2012 and is excited to continue and build on the work of former bank president, Sid Jones, who will be continuing as CEO of Home State Bank.

Let’s get to know our new Bank President, Bob Allen, a little better.

While in college, Bob worked part-time for the Greene County Soil & Water Conservation District. After college, he continued his work...

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Tags: bank news

Taxes

Impersonating Agents

Posted On: April 8, 2022 by Home State Bank in: General, Personal Banking

Tax time is stressful enough without having to worry about fake-IRS phishing schemes. The first day of spring may technically be in March, but those of us in the world of banking and finance can’t truly enjoy the sunshine, blooms, longer days, and warmer weather until Tax Day is squarely in the rearview. Whether you’re an early filer, procrastinator, or someone in between who’s been gradually gathering documents, compiling receipts, and crunching the numbers for three months,...

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Tags: online security, safe banking, tax season security, taxes