Get to know Tina Mueller, Mortgage Lender at Merchants Bank in Onalaska.When did you start your banking career?
Tina: I started in 1992, and I came to Merchants Bank in Onalaska in 2005. I’ve been a personal banker, consumer loan officer, branch manager and of course a mortgage lender. I have always worked for a community bank; I believe in local decision making as key decisions are made locally by people who live and work in the community.
What is your best banking tip?
Tina: The best thing people can do is develop a good credit rating. Be diligent about spending and make your monthly payments on time. Having a major credit card from your local bank is a great way to establish credit and paying off the balance in full each month is a good way to develop a credit rating. It is important to maintain a good credit rating to have a chance at obtaining the best rates possible on loans when they go to make a major purchase like a car or a home.
My coworkers have put together a great video series on building a good credit rating: Watch here.
What’s one thing your mom or dad taught you about money?
Tina: One thing my parents taught me about money is how to save, which was huge. My first job was when I was in high school and the rule was if I was going to work, half of my pay check had to go into a savings account. I was amazed at a young age at how quickly funds would add up in a savings account. Paying yourself first and establishing a savings pattern builds discipline and good financial habits. Building savings also provides a sense of financial security and builds wealth.
If you $1,875,000 what is one FUN thing you’d do with the money?
Tina: That’s easy! I would buy a tiny place on the beach which I would share with family. I love relaxing by water and being in the sun. There is nothing better than the sound of waves crashing, birds chirping and the warm breeze blowing.
Besides money, what’s your favorite green thing?
Tina: The Green Bay Packers – Go Pack Go!
Picture your dream home. What is your favorite room and why?
Tina: My favorite room in the house is the great room. A place where the whole family can hang out together. Whether we are kicking back and enjoying great conversations, or maybe watching a Packer game while grabbing something to eat. This is the room we tend to gather in. Big windows with a nice view would make it even better.