At a time of year when we would all like to be thinking of autumn and all the abundance that this season brings, we need to be concerned with the profusion of breaches we have seen this year. Data security breaches are happening all the time, but 2017 has already become a noteworthy year for security breaches. Looking forward, there is every reason to believe these breaches will continue to increase. With October designated National Cyber Security Awareness Month, it’s a good time to take personal action.
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.
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:
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.
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.
What is that exciting and unique idea you have burning in your mind? Is it an invention? Is it a way you can help others? Whatever you are passionate about, you can make a difference in West Michigan. The vibrant business-sphere of West Michigan flows through every corner, creating exciting opportunities for growth, but how can we keep entrepreneurial spirit alive in West Michigan and sustain the rapid growth?
I had witnessed the brewing industry evolve from the late 80’s, when the U.S. had hit a low of 44 brewing companies in the entire country, as a few small operators began to sprinkle the landscape. By the time I had become involved in brewing professionally in Germany in 1994, there were a handful of breweries in Michigan. I knew the proprietor at Kalamazoo Brewing, now Bell’s Brewery, and a few others had started by the time I moved “home” from the state of Bavaria, in Germany, in 1996. I had thought about starting a brewery in those days, but was often told “it would never work in West Michigan” at the time and I figured someone would open a German or Bavarian themed brewery in the area. By 2013, despite the local reputation as “Beer City, USA,” no one had done so.
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!
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.”
If you grew up in Michigan, you most likely went to a summer cottage on a lake in your childhood. Now, it’s a dream for many to own a vacation home. And most likely your first thought is northern Michigan. A great area for sure, but not the only one. West Michigan near Grand Rapids, but pushing west to northwest - out of the city -has some real gems worth finding.