With so many documents to provide and mounds of paperwork to fill out for a bank mortgage, the excitement of purchasing a new home can get lost in the shuffle. But for the Salmons family, one special Minster Bank loan officer brought joy to their home-buying journey through the Welcome Home Program.
Jackie Salmons said they first looked at a nationally recognized bank, but the call back they waited for has yet to come. That won’t be necessary now because Minster Bank took the stress, and just as important, the jargon, out of their home search.
A Local Bank with Real People Makes All the Difference
When buying a new home, we know the loan process can feel daunting. Forms to sign, credit reports to access, and understanding fees can seem overwhelming. When snags crop up and you need advice, you want to speak with someone in your backyard, not in a call center.
Enter Rhonda Keister, a loan officer at Minster Bank’s Sidney branch. “She was so helpful. She spoke in layman’s terms and did all the paperwork,” Jackie Salmons says. “It was nice to talk to a real person.” Rhonda took the stress out of applying for a bank mortgage.
Rhonda made the entire home-buying process a breeze and answered Jackie’s questions with honest answers, plus that human element. Buying a home in Anna last year, the Salmons were thrilled to find a lender that understands the area’s rural lifestyle – and one that builds relationships instead of just lending money.
With husband DJ and children Hailey, Hunter, Mackenzie, and Miracle, the Salmons appreciate the hard work Rhonda put in for them and the Welcome Home program that made it possible for them to enjoy beautiful Shelby County from the comfort of their own home. Their dog Viv and two cats–Jax and Goose- are also enjoying the move.
Tools of the Trade
Often, first-time (and even not-first-time) home buyers feel they need more resources to understand the mortgage process better. Big banks can seem cold and indifferent with rules and layers of bureaucracy that home buyers have difficulty navigating.
To that end, Minster Bank offers several tools of the trade to give you the keys you need to unlock your dream home. From calculators to closing costs, even a handy glossary of unfamiliar terms, can be found on our resources page. When searching for the best mortgage rates in Ohio, they know their customers appreciate having all the information in one easy-to-find place.
The Welcome Home Program Unpacked
Like the Salmons, you might not know you qualify for the Welcome Home program. If you’re eligible, you can earn a free grant of up to $10,000 toward down payment and closing costs. And if you’re an honorably discharged veteran, active military, reservist, or surviving spouse of service personnel, you could be eligible for up to $15,000.
You can begin your journey to securing your bank mortgage by starting your application here and by getting answers to frequently asked questions about the road to home ownership. Funds are eligible for disbursement starting July 7, 2023. Funds are available on a first-come, first-served basis.
Here are the steps:
- Apply for a home loan and the Welcome Home grant.
- Receive further eligibility details from Minster Bank.
- Attend an online educational class to get off on the right foot with financial tips.
- Receive your Welcome Home funds.
Minster Bank believes in community service and building relationships. Partnering with the Federal Home Loan Bank of Cincinnati allows us to help local customers and families secure a bank mortgage and become homeowners. Don’t miss out on your opportunity! Apply today!