Gary Hall

Banker for 20 years, graduate of Aquinas college, former 4-year member of the AQ Men’s Varsity Soccer Team, but most importantly I enjoy being with family and watching my boys participate in youth sporting activities.
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Recent Posts

Choosing Between a HELOC & a HEL

Posted by Gary Hall on Jan 3, 2018 11:31:00 AM

A major difference between home equity line of credit and home equity loan is how the money is distributed. They are both secured loans because your home is used as the collateral to back the loan. 

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Topics: Living in Grand Rapids, HELOC

When Leveraging Home Equity Makes Financial Sense

Posted by Gary Hall on Dec 29, 2017 1:34:00 PM

Leveraging home equity makes financial sense, when you do it for the right reasons. Using the equity in your home with a home equity loan or home equity line of credit can be a financial gain for you.  To determine a smart use of a home equity line of credit or home equity loan, do your research so your focus is on responsible borrowing.

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Topics: HELOC

When & How to Borrow From Your Home's Equity

Posted by Gary Hall on Dec 19, 2017 9:43:00 AM

The equity you build in your home stands as collateral for a home equity loan or line of credit and both are considered secured. The interest rates for a home equity are typically lower than a credit card, a type of loan that is unsecured. When looking at your home equity from a when and how perspective, let’s break this up a bit.

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Topics: HELOC

Add Value to Your Home with a HELOC

Posted by Gary Hall on Dec 15, 2017 4:04:00 PM

When it comes to making changes or doing upgrades to renovate your home, the best type of remodeling or renovation projects should be chosen because they add value to your home. Home improvement projects are a great way to boost the value of your home without having to spend a lot of cash. It is important to review your options and figure out the project that will provide you with the most value.  ChoiceOne Bank can guide you. We can help with your financing through a home equity line of credit.

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Topics: HELOC

First Time Home Buyer Tips When Working with a Community Bank

Posted by Gary Hall on Oct 4, 2017 4:20:31 PM

ChoiceOne Bank, a community bank, provides financial services in ways that big national and regional banks cannot offer, especially with a first-time home mortgage. At ChoiceOne, our mortgage lenders live in the area, know the markets and are able to make all loan decisions locally.

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Topics: Mortgage

Mistakes to Avoid with Your First Mortgage

Posted by Gary Hall on Oct 4, 2017 4:09:40 PM

Making the move to buy your first home brings anxiety and challenges.  What can make the process smoother and reduce your concern is doing some upfront work when applying for a first mortgage. Some important first-time homebuyer’s tips, and steps to take on the road to homeownership include:

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Topics: Mortgage

Online Banking Makes Your Financial Life Easier

Posted by Gary Hall on Oct 4, 2017 3:53:03 PM

From paying bills to checking  your accounts, Online Banking is a great feature. ChoiceOne Online Banking makes everything you do with your finances faster and easier. Online Banking is a convenient means of banking when you’re travelling, at home or in the office.

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7 First Time Homebuyer Tips That Give You the Power!

Posted by Gary Hall on Oct 4, 2017 3:44:49 PM

One of the most important steps you can take as a first-time homebuyer is to get a mortgage preapproval right away! In today’s competitive real estate market, there are fewer homes available for sale than there are buyers. This is called a sellers’ market which means more buyers are looking for homes with fewer choices. The power behind a preapproval lets the seller know you are serious and ready to go! Here are 7 homebuyer tips to help you jumpstart your mortgage process.

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Topics: Mortgage, Living in Grand Rapids

Four Ways to Avoid Common Loan Mistakes

Posted by Gary Hall on Jul 10, 2017 10:00:00 AM

When it’s time to start looking for your dream home, you must act quickly and smartly in our competitive real estate market today. Here are four ways to avoid common loan mistakes to keep you in the competitive game of buying a home!

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Topics: Mortgage

West Michigan Has Emerged as Michigan’s Economic Power House and Vacation Playground

Posted by Gary Hall on Jul 7, 2017 10:00:00 AM

Grand Rapids, Michigan’s second-largest city, has been at the center of strong economic growth in West Michigan, and it continues to show that growth will continue into the future according to the latest census date. The city is home to five of the world's leading office furniture companies and is nicknamed the Furniture City. But what is giving the city national notoriety is being named: “Beer City.”

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Topics: Mortgage, Living in Grand Rapids