Category Archives: Mortgage

Mortgage Rates

Mortgage rates are very low.  Check the rates below and call one of our lenders today.  

How to Ensure a Good Credit Score

First, let’s understand how your credit score is determined. Your credit score is broken down into five categories weighted accordingly: Payment history = 35% Total amount owed = 30% Length of credit history = 15% New credit = 10% Type of credit in use = 10% MAKE YOUR PAYMENTS ON TIME. This is the most […]

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

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 […]

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 […]

When To Refinance A Mortgage – Save Money

Most people look to refinance as a way to save money. However, there is more than one way to look at the cost savings of lowering your interest rate. One way is the initial savings in your monthly payment. Another is to look at savings over the life of your loan. A lot of my […]

Fraud

It’s the Most Wonderful Time of the Year (for thieves)

Wednesday, October 25, 2017

Black Friday is only a few short weeks away, the holiday shopping season begins, with shopping malls, restaurants, taverns and supermarkets more crowded than at any other time of the year. This is when thieves are looking for opportunities to make you a victim. They know you are more preoccupied than usual searching for presents. [...]

News

Nicolet Bank is Open Columbus Day, but Special Processing

Friday, October 6, 2017

Monday, October 9, 2017 is a Federal Holiday. Nicolet Bank will be OPEN regular business hours, however transactions will not be posted until the next business day.

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Business Pulse - Cybersecurity has emerged as a major issue for CEOs

Monday, July 27, 2015

CEOs Express Concern about the Cybersecurity of their Business. Read the full report here. Business Pulse – JUNE 2015 EXECUTIVE SUMMARY CYBERSECURITY  

Nicolet Bankshares, Inc. 2nd Quarter 2015 Earnings Release

Tuesday, July 21, 2015

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

How to Ensure a Good Credit Score

Wednesday, July 8, 2015

First, let’s understand how your credit score is determined. Your credit score is broken down into five categories weighted accordingly: Payment history = 35% Total amount owed = 30% Length of credit history = 15% New credit = 10% Type of credit in use = 10% MAKE YOUR PAYMENTS ON TIME. This is the most [...]

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