When did you start your banking career?
Andrea: It will be thirty years this June. I have been very fortunate during my time here. I started at Merchants a floater, basically going between a few different departments like bookkeeping and proof. After that I was afforded the opportunity to learn several different positions, including being a Teller, working in our Loan Servicing Department and also as a Customer Service Representative. I’ve been in Consumer Lending for 25 years. This department has a lot of experience…we’ve all been all here a long time and have a great knowledge of several different departments.
What one piece of advice would you give someone looking to apply for a HELOC?
Andrea: Think about a HELOC as something that can meet your immediate and future needs. You need to have a longer term thought process in mind, because it’s a flexible product that has many possible uses. You may need a new roof this year, but will you have any house updates next year or the year after that? Do you have a child going to college in the near future? I believe our HELOC is one of the best products that we offer. If you’re disciplined in your borrowing, it’s an option that could make a lot of sense for you.
What’s one thing your mom or dad taught you about money?
Andrea: If you don’t have the money, you don’t buy it. They also taught me the Envelope Saving plan. It does work if you stick to it!
If you won the Powerball what’s the first thing you would do?
Andrea: My husband and I have always wanted to do a “stadium tour.” Buy luxury RV and go with some friends around the country to different baseball or football stadiums. That would be fun.
Besides money, what’s your favorite green thing?
Andrea: The green turf of a football or baseball field. My husband and I have enjoyed many great memories of our kids on the field!
If you could start a home remodeling project right now, what would it be and why?
Andrea: I would do a bathroom remodel. We’re limited in space and we only have one bathroom. I’d make our current bathroom larger and add on another where we could fit it.
Loans are subject to credit approval.
Contact Andrea today to start the application process for your Home Equity Line of Credit. For more information on HELOC options at Merchants Bank, visit our website.