Mercer Savings BankMercer Savings Bank

  • Home
  • Personal
    • Mobile Banking
    • CardValet
    • Online Banking
    • Mortgage Loans
    • Personal Loans
    • Auto Loans
    • Checking
    • Savings
    • Rates
    • Perks
  • Business
    • Commercial Loans
    • Business Banking
  • Resources
    • Blog
    • Mortgage 101 Guide
    • Online Banking Guide
    • Credit Card Application
    • ATM/Debit Card Application
    • Kids Cents
    • Free Credit Report
    • Lost/Stolen Wallet Help
    • Order More Checks
  • About
    • Locations
    • Community
  • Contact
  • Login

5 Signs You’re Ready to Buy a Home

Tuesday, 16 April 2019 by Mercer Savings Bank
Taking the plunge into homeownership is equal parts exciting and nerve wracking. But how do you know when you’re truly ready? The answer is different for everyone. To help you decide, though, here are five signs that perhaps the time has come for you to buy your first home. 1. You’re financially prepared to buy
Read more
  • Published in First-Time Homebuyer
No Comments

Comparing a 15-Year and 30-Year Mortgage

Monday, 08 April 2019 by Mercer Savings Bank
“Should I take a 30-year or 15-year home mortgage?” This is a question many first-time homebuyers ask. The answer to that question is not a simple one, as it depends on each individual’s needs and situation. We’ll go over these two common mortgage types below to provide some clarity and help you make a decision.
Read more
  • Published in First-Time Homebuyer, Mortgages
No Comments

Do You Qualify for the Welcome Home Program?

Friday, 01 February 2019 by Mercer Savings Bank
When it comes to buying a home, many buyers are put off by the idea of having to come up with a 20% down payment. And while 20% may sound like a lot, it’s important to understand that the larger the down payment, the less time it will take to pay off the mortgage. If
Read more
  • Published in First-Time Homebuyer
No Comments

3 Reasons Why a Mortgage Payment is Better Than Rent

Wednesday, 19 December 2018 by Mercer Savings Bank
Which is better: a mortgage payment or a rent payment? Many will argue that it’s a waste of money to rent when you could be making house payments instead. Others will say it’s cheaper to rent than to make mortgage payments. There are pros and cons to both, but here are three major benefits that
Read more
  • Published in First-Time Homebuyer, Mortgages
No Comments

Your Complete Dictionary of Common Mortgage Terminology

Wednesday, 14 November 2018 by Mercer Savings Bank
Here’s a glossary of mortgage terms and related phrases to help you decipher the process. List of Common Mortgage Terms and Definitions Adjustable-Rate An adjustable-rate mortgage is one of the two most common mortgage types. Its interest rate changes after a predetermined fixed period (such as one year, three years and so on). It’s known
Read more
  • Published in First-Time Homebuyer, Mortgages
No Comments

How to Build Your Credit Before Applying for a Mortgage

Thursday, 01 November 2018 by Mercer Savings Bank
When you apply for a mortgage, lenders will look at many different factors, including your credit score, debt-to-income ratio, loan-to-value ratio (loan amount versus the value/purchase price of the property), and savings history. If you’re applying for a home loan, it’s a good idea to try to raise your credit score in preparation. Here are
Read more
  • Published in First-Time Homebuyer, Mortgages
No Comments

The Best Time to Take Out a Home Equity Loan

Wednesday, 14 March 2018 by Mercer Savings Bank
A home equity loan is a great way to finance big budget items or projects. However, before you make your decision, you’ll want to make sure you have all the information you need to ensure you’re taking a home equity loan out at the right time.   How a Home Equity Loan Works You may
Read more
  • Published in First-Time Homebuyer
No Comments

How to Pick A Realtor You Can Trust

Wednesday, 07 February 2018 by Mercer Savings Bank
How To Pick a Real Estate Agent If you’re looking to buy your first home, you’re probably also looking for a real estate agent you can trust. A real estate agent makes the home buying process simpler and often faster, which can be a real benefit in your busy life. However, if you’ve never been
Read more
  • Published in First-Time Homebuyer
No Comments

The Top 4 Benefits Homeowner Families Have Over Renters

Wednesday, 22 November 2017 by Mercer Savings Bank
  There are a lot of benefits to owning a home vs. renting. Being part of a home- owning family gives your children an extra boost when it comes to social opportunities, community involvement, overall health, and educational performance. And the best part is, the advantages of owning a home don’t depend on how wealthy
Read more
  • Published in First-Time Homebuyer
No Comments

Grow Your Wealth with Homeownership

Wednesday, 01 November 2017 by Mercer Savings Bank
There are a lot of financial benefits that come with homeownership: you accumulate wealth, you receive special tax breaks, you save money in the long run compared to renting, and you build your credit along the way. Most first-time homeowners aren’t entirely new to large financial obligations because they’ve already invested in college or a
Read more
  • Published in First-Time Homebuyer
No Comments
  • 1
  • 2
  • 3
  • 4
  • 5

Recent Posts

  • Giving Mission Spotlight: Kingdom Harvest Ministries

    Mercer Savings Bank is proud to support Kingdom...
  • Shop Safely This Holiday Season: A Common-Sense Guide

    Doing some shopping this holiday season (who is...
  • Giving Mission Spotlight: Fort Recovery Community Foundation

    Mercer Savings Bank is proud to announce Novemb...
  • Here’s Every Benefit You Get as a Mercer Savings Bank Customer

    It’s important for us to take care of our custo...
  • Giving Mission Spotlight: Our Home Family Resource Center

    We’re pleased to announce that Our Home Family ...

Categories

  • Bank Service
  • Business Checking
  • First-Time Homebuyer
  • Giving Mission
  • Identity Theft Alerts
  • Miscellaneous
  • Mortgages
  • News & Events
  • Online Banking
  • Online Safety
  • Saving Tips
  • Selling Home
  • Taxes
  • Uncategorized

Archives

  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013

Celina (Market Street)

217 West Market Street
Celina, Ohio 45822
Phone: 419.586.5159

Celina (Irmscher Boulevard)

1100 Irmscher Boulevard
Celina, Ohio 45822
Phone: 419.586.5158

Fort Recovery

120 North Wayne Street
Ft. Recovery, Ohio 45846
Phone: 419.375.4149

Greenville

125 East Main St.
Greenville, Ohio 45331
Phone: 937.548.9049

 

  • Online Banking Login
  • National Mortgage Licensing
  • Disclaimers
  • Privacy Policy

2019 © Mercer Savings Bank   |   Site Design by Marketing Essentials, LLC

TOP