It’s that team of year again – backpacks, notebooks, and new routines. While the start of the new school year brings excitement, it can also bring financial stress. From supplies and clothing to electronics and activity fees, it all adds up. Recent reports show families may spend anywhere from $875 to over $1,365 per [...]
Former Federal Reserve Chairman Alan Greenspan once stated, “Financial education is a process that should begin at an early age and continue throughout life. This cumulative process builds the skills necessary for making critical financial decisions.” At HomeTown Bank, we understand the importance of helping our community’s youth build a strong financial foundation so that [...]
Embarking on a significant construction project and in need of a residential construction loan estimate? You're in the right place. This guide will walk you through the five crucial items you'll need to obtain an accurate estimate for your project. Let's get started on turning your construction dreams into reality. Architectural Plans & Project [...]
If paying for college has been on your mind within the last decade or so, you’ll be aware of the rising costs of everything associated with higher education. Dorm expenses, text books, meal plans, and that isn’t even considering the tuition of your actual classes. There are many ways to save for that range of [...]
With bank lobbies closing left and right in the wake of the COVID-19 pandemic, remote banking resources are more important than ever. HomeTown Bank offers a wide range of services that are accessible from the comfort of your own home, to make banking a breeze. From the user-friendly mobile app to the detailed desktop website, [...]
Holiday chaos is soon upon us, and it’s always easy to let holiday spirit take over the financial decisions. While no one wants to be a Scrooge this time of year, there are a few ways to keep festive spending to a minimum. Make a detailed list Whether you have 5 or 50 to buy [...]
For some, credit can be an intimidating topic. Others monitor their reports regularly, and do everything they can to gain just one more point on their credit score. Understanding exactly what your credit report says and will mean to you in the future is a pivotal piece of your overall financial well-being. What is actually [...]
Moving accounts is a hassle, especially if you’re just going away for the semester. College is stressful enough, lessen the stress by keeping your banking where it’s at! Online & Mobile Banking Enjoy free online and mobile banking from anywhere! One of the biggest perks of modern banking is the ability to do it anywhere. [...]
The times we live in are unprecedented and unpredictable, and that has an immediate impact on your financial well-being. In the year of COVID-19, mass unemployment, and stimulus payouts, it may be difficult to maintain your money management skills. While the prospect of additional income from the government is exciting, making a plan on how [...]
Refinancing to lower your interest rate Lowering the interest rate on a mortgage is the primary reason most homeowners refinance their home loan. Who wouldn’t want to lower their monthly mortgage payment if possible? To determine if the lower rate is enough to make a worthwhile difference for you, there are a few things we [...]
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