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Banking Physics

Thursday, August 13, 2020

Banking Physics

2020.  So much can be said about this year, some of which would not be appropriate to grace the pages of this fine publication.  One thing that can be said – and agreed upon! – is our essential need and desire to possess comfort, safety, and security.  As an individual and as a family, we obtain all of that, and often more, through one of the best 4-letter words around: HOME.

Personally speaking, pre-2020 I am a little guilty of taking home for granted.  Managing a career, family, personal and civic commitments, “home” often was a “house” to keep up in between the comings and goings of an active schedule.  However, seemingly overnight one day in March, HOME definitely took on a different meaning.  All of those responsibilities of career, family and commitments all remained, but rather existed in a different context, centered around why you do what you do and for whom.  As a result, I have made many small (and, to be honest, large) tweaks to our house and approach to life to be more of a HOME for my family for the long term.  One strategy, of course, included a new mortgage with First Merchants, delivered with excellent service and terms.

I suspect that the Leming home is not alone.  Over the past three months, our Private Banking team has been engaged with numerous families while they each assess what is HOME for them.  Whether deciding to commit a long term stay in a current home and potentially making renovations to that home, seeking a brand new start with a fresh, new residence, or perhaps even making the investment in a vacation home, we have been individually advising our clients with sensible and smart solutions.  Interest rates continue to be at historic lows, whether financing with a traditional mortgage or structuring a customized balance sheet loan.  Our team is available to answer questions and provide guidance to maximize this interest rate environment for your benefit. We appreciate the trust you have placed with us and look forward to serving you and your families.
Nancy Leming


Investment Management solutions provided by First Merchants Private Wealth Advisors may not be FDIC insured, are not deposits of First Merchants Bank, and may lose value. Investments are not guaranteed by First Merchants Bank and are not insured by any government agency.  This material has been prepared solely for informational purposes. First Merchants shall not be liable for any errors or delays in the data or information, or for any actions taken in reliance thereon. Any views or opinions in this message are solely those of the author and do not necessarily represent those of the organization.