Chelsea Morris, NMLS# 1478546 - German American Bank

In honor of Martin Luther King, Jr. Day, all German American offices are closed today, January 15th. Although our offices are closed, don’t forget you can access your accounts any time with German American’s mobile and online banking tools! https://brev.is/StyfK

As a reminder, all German American offices will be closed on Monday, January 15, 2024, in honor of Martin Luther King, Jr. Day. Access your accounts any time with German American’s mobile and online banking. https://brev.is/3FRGs

German American Bank is proud to be recognized by Newsweek as one of America’s Best Regional Banks 2024! In addition to being one of only 250 banks to receive this prestigious honor nationally, we earned a 5-star rating and are listed as a top community bank in both Indiana and Kentucky.

Thank you to our customers who make us better each day. It is an honor to serve you from a position of financial strength and stability backed by our commitment to customer service excellence! Read more about the recognition: https://brev.is/2TKjF

January is Financial Wellness Month! Is one of your goals to be more financially savvy? Our Family and Financial Wellness playlist includes quick and easy courses about healthy financial habits, budgeting for families, mindful living and more! Start learning: https://brev.is/MjmYV

We hope that you and your family find happiness and good health in this most joyous of seasons! Merry Christmas from the entire German American team!

Heating accounts for a substantial portion of your home expenses, typically around 29% of your utility bill. With colder temperatures arriving, check out these energy and money saving tips!

🌡 Set your programmable thermostat as low as is comfortable and lower the set point when you're sleeping or away from home.
✨ Clean or replace filters on furnaces once a month and warm-air registers, baseboard heaters, and radiators as needed. Make sure they're not blocked by furniture, carpeting, or drapes.
♨ Turn off kitchen, bath, and other exhaust fans within 20 minutes after you are done cooking or bathing.
🔆 Keep the draperies and shades on your south-facing windows open during the day to allow the sunlight to enter your home and closed at night to reduce the chill you may feel from cold windows.

As you prepare for the hustle and bustle of the Christmas season, please be aware of our upcoming holiday office hours:
Saturday, December 23: Banking offices will operate normal business hours
Monday, December 25: All German American offices will be closed on Christmas Day
Tuesday, December 26: All offices will operate normal business hours
Monday, January 1: All German American offices will be closed on New Year's Day

Remember that you can access our convenient online and mobile banking services any time!

Big news! The Federal Housing Finance Agency (FHFA) recently announced new maximum conforming loan limits for 2024! The new conforming loan limit is $766,550 and the new FHA loan limit is $498,257, both an increase from 2023. Contact me for more information or with any questions you may have. https://brev.is/rPfFc

Does your dream of owning a home seem out of reach? Regardless of where you are on your journey, German American Bank can help you get started with customized loan options to meet your monthly budget. Connect with me and pre-qualify: https://germanamerican.com/cmorris

All German American offices are closed today, November 11th, in observance of Veterans Day. Thank you to all those who have served or are currently serving our country! Remember that you can access your accounts any time with German American’s mobile and online banking. https://brev.is/iRB9E

A reminder that all German American offices will be closed on Saturday, November 11th in recognition of Veterans Day. We will be open regular business hours on both Friday, November 10th and Monday, November 13th. Access your accounts any time with German American’s mobile and online banking tools! https://brev.is/Q4Uwp

Don’t forget to turn your clocks back before you go to bed tonight! Daylight Saving Time ends on Sunday, November 5th at 2AM. Because we "fall back" we all get to “gain” an extra hour this weekend! Enjoy!

New home on your mind? Brush up on some important mortgage terms and find out how German American Bank can help you to get started on your home buying journey! https://brev.is/BogTA

Moving into your own place can be exciting and frightening at the same time. Consider these important questions from the American Bankers Association when choosing your own home and find tools to help you take the next steps in making your decision: https://bit.ly/3j9RC0P

Communication is key to a great home loan process! I loved receiving this review from a client who felt well taken care of throughout their home buying experience and I was honored to make things go smoothly for them! A quick closing was definitely an added bonus! Are you looking to buy or build and aren't sure where to start? Reach out for a free pre-qualification or with any questions you may have. I'm here to help! germanamerican.com/cmorris

In observance of Columbus Day, German American banking offices will be closed on Monday, October 9th, 2023. German American Insurance, Investments, and Wealth Advisory offices will operate during normal business hours. Although our offices are closed, don’t forget you can always access your accounts with German American’s mobile and online banking tools! https://brev.is/SOUkU

Thinking about remodeling your home? There are some projects that are proven to boost your home's value more than others. Before you get started, learn about three of the top projects with the highest return! https://brev.is/lDTXz

German American Bank was a hole sponsor for the Greater Owensboro Realtors Association golf scramble. What a beautiful day to be out showing our support! Thank you to GORA for the opportunity to share our products and services with those in attendance. Jessica and I had a great time!

Happy Labor Day! Although our offices are closed, don’t forget you can always access your accounts with German American Bank’s mobile and online banking tools. https://brev.is/VUXmL

Just a reminder that all German American offices will be closed on Monday, September 4th, in observance of Labor Day. We wish you and your family a safe and happy Labor Day weekend!

The maximum percentage of your home's value you can borrow depends on the purpose of your loan, how you use the property, and the loan type you choose. Looking to determine what loan amount we can offer? Get a customized quote and complete an online application: https://germanamerican.com/cmorris

I will reach out to discuss best options!

Establishing a healthy credit score is easier once you understand how it works! As a German American Bank customer, you have the ability to check your score, view your credit report, and find tips and tools to improve or maintain it. Simply log in into your German American Online & Mobile Banking account and enroll in Credit Score to start learning! https://brev.is/KfGDc

Are you considering buying a home and have questions about all that goes into obtaining a mortgage? Our German American Bank Mortgage Resource Center has answers to many common questions about the process. What is a Rate Lock Policy? How much money will I save by choosing a 15-year vs. a 30 year loan? What happens at loan closing? Start learning: https://brev.is/Mwy2q

Checking out open houses this weekend? I'm here to answer any questions you may have and am available after hours! Find links to pre-qualify or reach out to me directly! https://germanamerican.com/cmorris

As you take steps towards homeownership, it's important to explore mortgage options in order to find one that meets your needs and budget. Check out our helpful Financial Learning course to discover:

📍Where and how to apply for a mortgage
🏡 Different mortgage types and options for taking out a home loan
📈 How interest rates will impact your mortgage payment

Start learning ➡ https://brev.is/z8KJu or reach out to me with any questions you may have. I'm here to help!

From our German American Bank family to yours, we wish you a Happy 4th of July! As a reminder, all German American offices will be closed today in observance of the holiday. Bank anytime using our ATMs, online banking, and mobile banking app. https://brev.is/9O51k