ENB Insights

When most people plan home improvement projects they tend to focus on glamorous changes; kitchens, bathrooms, and basement remodels. These projects can be wonderful and significantly increase the value of a home. However, functional changes like replacement windows, exterior doors, and gutters need consideration for upgrading. Although they may not increase the value of a home, they can significantly reduce heating, cooling and maintenance expenses in both the short and long-term.

Don’t get overwhelmed by your next move. Creating a moving plan and executing it in advance can save you time, money, and stress.

For many people, homeownership is synonymous with the American Dream. It’s also one of the biggest financial decisions they will ever make, which can be daunting. So, how do you really know when it’s time to make the jump and purchase a home? One thing you can do is take stock of the benefits of homeownership and decide if they make sense given your current situation. Sure there are additional costs, like regular upkeep and unexpected repairs, but often times the benefits outweigh the associated costs. Here are a few.

Fraudsters are becoming more and more sophisticated in an effort to divulge your personal banking information.  Don’t fall victim to IRS imposter scams this tax season.  Learn more about how to spot current IRS tax scams and how you can safeguard against them.

You’ve finally found the perfect home, put in an offer, and had your offer accepted. Congratulations, you’ve bought a new home! Almost.

Ephrata National Bank announces the promotion of Christian Heckman to Group Vice President, Commercial Lending Officer. In this role, Heckman will be responsible for managing the sales activities and overall job performance of the Commercial Relationship Managers and Commercial Portfolio Managers, assisting them in making sound lending decisions while adhering to established policies, procedures and regulatory guidelines.

Your life is constantly changing and sometimes that means having the opportunity to review your mortgage loan to fit your needs. Here are some factors to help guide you toward a decision.

If you own a home, building home equity — the value of your home minus what you owe on your mortgage — is an important long-term strategy for building wealth. That’s because home equity is a resource you can borrow against to pay off debt or make investments that help your money grow. With this in mind, you may be wondering how much equity you have in your home, how you can access it, and how you can use it to build your financial future.

Buying your first home is a big decision, but the process doesn’t need to be a daunting one. Taking the time to ask yourself these ten key questions and doing your research prior to your home purchase can assist in taking stress out of the buying process.

Scammers often use online and mobile technology to snare their victims. Zelle®, a popular peer-to-peer payment app, makes it easy to send money to people you know. Unfortunately, it's also a favorite tool fraudsters can use to gain trust and access bank accounts. Here's what you should know about Zelle® scams so you don't take the bait.