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July 2014
By Laura Ferraro, Senior Vice President

Being a first-time homebuyer can easily become overwhelming. There are many things to consider and the search for finding your new home can be more comfortable when you know the steps to take.

At Lakeland Bank, we find a lot of first-time homebuyers have similar questions about the process, so we put together a list of tips for these buyers to consider.

If you have any additional questions, don’t hesitate to reach out to one of our mortgage loan originators. You can find one in your neighborhood by visiting o ...


By Stewart McClure, Regional President

finance-a-deck-additionUpdating your home with a renovation, remodel or a new addition may increase the value of your home and the enjoyment of your new living space. If you are looking to add onto your home, the first step is to determine the scope of your project. Speak with contractors to get an idea of how much your project will cost, or if you will be completing the renovation yourself, visit your local home improve ...


By Laura Ferraro, Senior Vice President

On January 10, 2014 the Ability To Repay and Qualified Mortgage Provisions of the Dodd-Frank Act, went into effect to create a balance between credit availability and proper consumer protection. The new rules were implemented to combat any lingering abusive industry lending practices that were not already tightened after the financial crisis. We applaud this, of course, as the rules help ensure that all co ...


By Stewart McClure, Regional President

approved-debt-consolidation-loan-application-formAre you feeling weighed down by debt? If so, you’re not alone. The 2012 National Financial Capability Study (NFCS) reports that 19% of individuals say their household spent more than their income (not including the purchase of a new home, car or other big investment), while 36% who spent about the same as their income are breaking even. Only those who spend less than their household income are able to save.

If you’re worried about carrying too many b ...


By Stewart McClure, Regional President

If you find yourself in need of funds for an upcoming expense and your income can accommodate a one-time payment, a loan that allows you to pay over time may be the solution. But before you sign on the dotted line, there are important steps to take to ensure you don’t put yourself in a financially vulnerable situation.

It’s best to start this process with some due diligence. Research or seek advice on the different types of loans that are available. There are many varieties of loans to consider base ...


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