When most people borrow money, the monthly payment is one of their top concerns: is it affordable? Know your monthly expenses compared to current income; or potential income changes during the life of...

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If you’re wondering how unsecured debt affects your credit score, the first thing to know is that any debt can affect your credit score. If you always make your payments on time – it will affect ...

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In a world where most of us are using some form of credit, we often have both secured and unsecured loans. But we rarely stop to consider the difference…until we are asked to secure collateral…or...

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As a member of the Federal Home Loan Bank of Indianapolis (FHLBI), Chelsea State Bank, in partnership with Avalon Housing, was awarded two grants totaling $868,720 to help fund Affordable Housing Prog...

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You’ve found the perfect home, with the best imaginable location, layout, size, finishes, and price. You’re ready to buy, but there’s one problem: you haven’t started the mortgage process, a...

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While it may seem obvious that you need to keep paying your bills during the period between a mortgage pre-qualification and your settlement date, some would-be borrowers neglect their finances. Gett...

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When your living space no longer fits your needs, you have options. Here are financing options to consider if you’d like to begin house construction, move to a new home, or remodel your current hom...

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An occasional home remodel is an important part of owning a house, and it’s very important that no part of the decision goes overlooked. Whether you’re interested in improved aesthetic appeal, a r...

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Chances are that you or someone you know have been the victim of debit/credit card fraud. Even though your personal card is covered for any fraud and you have zero liability for any charges, having to...

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