Chelsea, Mich., April 23, 2018 – The Board of Directors of Chelsea State Bank recently announced the promotions of Mary Lee Penney to Executive Vice President, Mark Burmis to Senior Vice President, Annette Houle to Vice President and Nancy Weir to Assistant Vice President. Penney was also elected to the Board of Directors of CSB… Read More
Getting Pre-Qualified for a Mortgage is Key to Buying Your Next Home
Know before you buy is good advice. When buying a home, it’s important to understand what you can afford. That’s why getting pre-qualified for a mortgage is the best way to start. A mortgage pre-qualification can be best described as a prediction on the amount you can borrow. There are many costs associated with buying… Read More
Don’t Get Tripped Up Out of the Gate: Have Your Mortgage Qualification Paperwork in Order
It’s not done until the paperwork is done. So true for a mortgage qualification process, too. Make sure you have the documents you need at the start to ensure that you get to final approval of your mortgage without a lot of hassles. Have it in-hand before talking to your community bank loan officer. At… Read More
Michigan Debt Consolidation Resources for 2018
Starting out any new year is always a good time for making commitments and resolutions. Many times we are successful, and at other times not so much. But it is important to keep trying to reach the desired goal. For example, if you are in debt, even if it is a little debt and struggling… Read More
Identity Theft Protection vs Data Breach Protection: What’s the Difference?
A data breach or credit hack is when your personal data might have been exposed. Identity theft occurs after a data breach when cyber criminals use stolen data to commit fraud in your name. Chelsea State Bank wants you to understand the differences between data breach protection and identity theft, so you can prevent some… Read More
7 Steps for Identity Theft Restoration After an Attack
Identity theft is criminal behavior. It involves the illegal access or use of an individual’s personal or financial information. Identity theft can result in financial loss and seriously damage your credit history. If you are a victim, it will require substantial efforts to repair with identity theft restoration. Chelsea State Bank wants you to understand… Read More
Child Identity Protection: Prevention Equals Protection
Any illegal activity that involves children is something all of society needs to address. One that you may not readily see as a problem is theft of a child’s identity. It happens. And you’ll want be on high alert to protect your child’s personal identity. As a parent today, child identity protection has to be… Read More
Holiday Shopping Online? Avoid Identity Theft
The holidays are just around the corner, and that means many of us will be making purchases online to avoid large crowds and busy mall traffic. While online shopping has made our lives easier, it also exposes new weaknesses with the information we use to make those very purchases. The holiday season is a productive… Read More
Chelsea State Bank Teaches Bob: How to Build Credit
Bob needs to learn about how to build credit, and he’s not really sure what that means so he goes to talk to the experts. Read More Chelsea State Bank Teaches Bob: How to Build Credit
Can I Get a Home Equity Loan with Bad Credit?
You can, but it is difficult. That’s the short answer. Home equity loans and home equity line-of-credit loans or HELOC provide you with cash using the equity you have built up in your home. However, trying to get a home equity loan with bad credit is an obstacle. Consider these 3 steps first: Understand the… Read More