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Debt to Income Ratio

Your debt-to-income ratio needs a little bit of work! Many people with debt find they would benefit from a debt consolidation loan - to pay a single payment at a lower interest rate.

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You might benefit from refinancing your mortgage! Did you know mortgage rates are still at historic lows? Even small improvements to your rate could save you tens of thousands of dollars.

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Retirement Savings

Retirement savings is the cornerstone of financial wellbeing, and today we all have to do a bit more to save enough for retirement. If you don’t have a clear picture of your retirement savings, they might need a second look with a financial planner. This is one area you can’t afford to come up short.

Learn more about good Financial Planning ›


For any outstanding debts, it’s always worth looking into debt consolidation or a personal loan to cover them. Often, personal loans will offer lower interest rates and help you cover payments to creditors that would otherwise accrue much more interest.

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Identity Protection

With recent data breaches, most Americans are at risk of identity theft now and for the immediate future. Properly and actively protecting your identity is no longer just an option, it’s absolutely necessary.

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Want to keep your financial fitness in tip-top shape?

Check out the Chelsea State Bank blog

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    If the appraisal for your dream home is lower than your offer, you need to look at your next steps. Don’t panic, you do have many options. Check Appraisal Contingency Clause First, look over the appraisal contingency clause. This clause generally allows you to reevaluate the situation or renegotiate if needed. Maybe the appraisal estimate… Read More

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  • Save To Buy Your First Home – How Much Do You Really Need?

    Becoming a homeowner is a huge financial undertaking, requiring far more than a simple down payment. So how do you determine exactly how much do you need to save to buy your first house? First, start by figuring out where and how you want to live. The more you can identify your preferred home area,… Read More

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  • Get A Mortgage Prequalification Before Starting Your Search

    Know before you buy – good advice for all consumers, especially when buying your first home. There’s a certain logic to doing things in a specific order. Getting prequalified is one of those logical first steps when thinking of buying a home. The mortgage prequalification process helps you focus your search on the types of… Read More

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