A Note from our CEO, Scott Soderberg

 

 

With the holiday season in full swing, planning for get-togethers with family and friends is top of mind. This is true whether the gathering is yet another chapter in a time-tested seasonal routine, the next year in a family rotation, or the start of a new holiday tradition. No matter the master plan, there is one common thread that runs through all the celebrations—home. Whether it’s the house you grew up in, your current residence, the in-laws’ place, a friend’s apartment, or a care facility, it is the center of someone’s universe. There are precious few things that carry more importance than a sense of home.


You also cannot think about home without acknowledging those who are experiencing homelessness or cannot make ends meet due to skyrocketing housing costs. The lack of affordable housing has become acute and is arguably one of our nation’s top socioeconomic issues. It is a barrier for many folks right here in Western Wisconsin. Beyond the shelter aspect, the lack of affordable housing impacts the health and well-being of individuals and has adverse economic effects for the region. If you are unfamiliar with the issue and would like to know more, I encourage you to visit Addressing Housing Affordability in Wisconsin - Wisconsin Bankers Association.


Home ownership is a foundational part of “The American Dream”, and its importance cannot be overstated. Buying a home is quite often THE most important financial decision individuals and families will make in their lifetimes. It follows that the financial institution you choose to make your dream a reality should fully understand your needs. Here at FNC Bank, we review all loan requests in-house, which greatly reduces turnaround time to you. We prioritize finding you the best mortgage programs and rates, and we also provide the best personalized mortgage servicing in the industry. We do that by keeping the servicing of your mortgage--something that is quite uncommon in the banking business. Rather than having your loan file bouncing around the country every 1-2 years between different megabanks/mortgage loan servicing companies, we personally handle payment, escrow, and all other aspects of mortgage servicing for the life of your loan. We live and work here, and we understand very well why you do too…it’s the center of your universe.