Author Archives: Dave Stelzer

Nicolet Bankshares, Inc. 2nd Quarter 2015 Earnings Release

Nicolet Bankshares, Inc. (OTCQB: NCBS) earnings release for 2nd quarter 2015. 2Q15 Earnings Release

Behind the Scenes – Loan Underwriting

A good look at what happens at a bank between mortgage loan approval and closing. http://www.bankrate.com/finance/mortgages/closing-day-processes.aspx

Economic Viewpoints – July 2015

The latest economic viewpoints from our friends at Northern Trust. Viewpoints – July 2015

Wisconsin Consumer Study – Spring 2015

The latest Nicolet Bank Wisconsin Consumer Study is out.  Consumer sentiment is generally more positive than negative. Compared to Fall 2014, Wisconsin consumers are generally more positive about the national economy and it being a good time to look for a job.  They are somewhat less positive about Wisconsin’s economy, their personal financial situation and […]

Economic Viewpoints – June 2015

Latest economic viewpoints from our friends at Northern Trust. Viewpoints June 2015

ARM vs. Fixed Rate Mortgage

Low mortgage rates today may have you wondering if you should refinance your ARM (adjustable rate mortgage) to a fixed rate (conventional) mortgage.  There is no better time than now to ask that question.  We know that, at some point, mortgage rates will rise, we just don’t know when.  A rising rate will affect your […]

Nicolet Bank sticks to growth plans, shareholder returns

Jeff Bollier, Press-Gazette Media 9:30 p.m. CDT May 11, 2015 Nicolet National Bank will celebrate its 15th anniversary later this year, but it doesn’t plan to change its strategy to grow through acquisitions and buying back shares in 2015. The banking industry is entering a period in which growth is a primary driver of a […]

Advantages of Using a Local Realtor

Spring is here and many of us are in the market for purchasing a home.  You might be wondering what the best way to find the perfect home is.  There are many ways in today’s digital world to search for homes.  You can visit just about any realtor’s website and use their search tool.  You […]

Use Equity To Consolidate Debt

When you use the equity in your home to consolidate other high interest debts (credit cards, Home Equity Loans, and car loans for example), you can work towards multiple financial goals at the same time. You may be securing this debt at a very low interest rate compared to what you are currently paying (the […]

Questions To Ask Your Mortgage Lender

Does my credit score impact my rate? A higher credit score can help make you eligible for lower interest rates. Mortgage lenders look at scores from all 3 credit reporting agencies – Experian, Equifax, and TransUnion, and most will use the middle score for determining the interest rate. While the credit score is just one […]