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Which Home Improvements Can Increase Resale Value?

August 1st, 2014
Which Home Improvements Can Increase Resale Value? image

Home improvements seem like a great idea. They make your home a more enjoyable place to live, improve curb appeal and can even earn you a tax break at selling time. But before you transform that spare bedroom into a home gym, here are some things to keep in mind: Not Every Improvement Adds Value. Hot Tub: If you want a hot tub and plan to stay in your home for a long time, by all means install one. But a used hot tub tends to get a cool reception from would-be homebuyers. Converted Bedrooms: Many homebuyers are looking for [ read more ]

Top 15 Home Improvements & How They Affect Resale Value

July 15th, 2014
Top 15 Home Improvements & How They Affect Resale Value image

Whether you’re restoring, remodeling or redecorating, all home upgrades require an investment of time, effort and money. The big question is which improvements deliver the highest return on your investment? HGTV provides the answer with a list of 15 improvements and the impact they have on your home’s resale value. Click here to see the top 15 home improvements list. Home Equity Loans from The First A home equity loan can help you turn your home into your dream house. Find out more by contacting The First at 215-860-9100 or check our loan terms and rates. What was the best [ read more ]

Is a Home Equity Loan Right for You?

July 8th, 2014
Is a Home Equity Loan Right for You? image

Determine the equity you have in your home. Take the current market value of your house and subtract your remaining mortgage payments. The difference represents the equity you’ve built up in your home. Even if the home isn’t entirely yours yet, the portion of it you do own can be used as collateral on a home equity loan. This type of loan is an option for homeowners faced with large expenses such as household improvements and repairs, college tuition, or medical bills. Home equity is the largest source of net worth for most of us, so borrowing against it represents [ read more ]

Four Challenges Women Business Owners Face & How to Beat Them

June 24th, 2014
Four Challenges Women Business Owners Face & How to Beat Them image

Women Business Owners (WBOs) added about $1.3 trillion to the U.S. economy in 2013, but many still have hurdles to clear on the road to success. Here are some common problems and potential fixes. Problem: Lack of capital. Solution: Make it easier for customers to make payments. Aging collectibles clog your cash flow, so be sure to give your customers options that will help them pay faster. Convenient services like Electronic Funds Transfers and PayPal can speed up the process considerably. Did you know 45% of WBOs finance their businesses with credit cards? The First offers growing businesses competitive rates [ read more ]

Five Tips for Women-Owned Small Businesses

June 17th, 2014
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Women-owned small businesses account for approximately 50% of privately held companies in the U.S. Most of them (95.8%) earn less than $1 million in annual revenues. As the economy continues to grow, these businesses have tremendous opportunities and challenges ahead of them. In an article for Forbes magazine, Nell Merlino, Founder of Count Me In for Women’s Economic Independence, shared five tips for women looking to grow their business revenues this year. http://www.forbes.com/sites/womensmedia/2014/02/25/tips-for-womens-business-growth-in-2014/ Are you a woman who owns a successful business? Let us know what’s worked for you. Leave a comment below. [ read more ]

What Women Really Want from a Bank | The First National Bank Blog

June 3rd, 2014
What Women Really Want from a Bank | The First National Bank Blog image

Now more than ever, banks are looking for newer and better ways to serve women—and with good reason. A study by Pew Research found that women are the primary breadwinners in more than 40% of American households with children under the age of 18. In addition, America’s 8.6 million woman-owned businesses generate more than $1.3 trillion a year in revenues. Learn more about women and the new economy here: http://www.pewsocialtrends.org/2013/05/29/breadwinner-moms Why banks must take gender differences into account A recent Boston Consulting Group survey revealed that 73 percent of women are dissatisfied with the financial services sector. Reasons cited for [ read more ]

Should I Refinance My Home? | The First National Bank Blog

May 20th, 2014
Should I Refinance My Home? | The First National Bank Blog image

What is Refinancing? When you refinance your home, you’re basically replacing an old mortgage loan with a new one at a lower interest rate. This sounds good, and it definitely can be, but bear in mind that there are fees and other costs associated with refinancing that can nibble away at the money you saved via your new, lower interest rate. Refinancing also involves a lot of paperwork, so you may want to hire a professional to look things over before signing on the dotted line. That said, here are some things to consider prior to refinancing: How much do [ read more ]

Mortgage Tips for First-time Homebuyers | The First National Bank Blog

May 13th, 2014
Mortgage Tips for First-time Homebuyers | The First National Bank Blog image

In this month’s shared blog, Investopedia offers a guide to help first-time homebuyers navigate what will probably be the biggest purchase of their lives. Before you take out a mortgage, consider all the factors involved in home buying. http://www.investopedia.com/articles/mortgages-real-estate/08/first-time-homebuyer-guide.asp If you have a tip for people buying their first homes, leave a comment below. Advice appearing in this blog is solely that of the author and its contributors and does not necessarily reflect the opinions of The First. Financial decisions should be made in consultation with your mortgage lender or financial advisor. [ read more ]

How Do I Choose A Mortgage Lender? | The First National Bank Blog

May 6th, 2014
How Do I Choose A Mortgage Lender? | The First National Bank Blog image

Choosing the Right Mortgage Lender You’ve found the perfect home. Now it’s time to find the perfect mortgage to help pay for it. There are a lot of options available. Do you want to go for a 30-year note or pay down the debt more aggressively by taking the 15-year route? Is an Adjustable Rate Mortgage a good idea or should you opt for the stability of a fixed rate loan? The first step to answering these questions usually involves choosing a good mortgage lender in Bucks County. Some things to consider are: Interest Rates: Some mortgage lenders are better [ read more ]

Going Green with Paperless Banking | The First National Bank Blog

April 22nd, 2014
Going Green with Paperless Banking | The First National Bank Blog image

Make a Statement! There are a lot of ways to celebrate Earth Day, but paperless banking may not be the first thing that springs to mind. Going paperless by banking online can make a difference, not just by saving paper, but by saving the energy required to process paper statements and deliver them to your home. Sign up for E-Statements at The First! https://secure2.fnbn.com/estatements/EMSMainFrame.asp If you’re not already banking online, now is a great time to familiarize yourself with its many benefits. You can bank 24 hours a day / seven days a week, and the service is free at [ read more ]

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