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Buying a home is one of the most meaningful milestones in life, and in today’s digital world, it often starts with a few clicks. According to the National Association of Realtors, most buyers begin their journey by browsing listings online.

That initial search can be exciting, but it can also be overwhelming. With so much information out there, knowing what’s relevant, trustworthy, and financially sound can be a challenge – especially for first-time buyers.

Recent data shows that younger buyers are leading the charge into homeownership. In fact, 81% of younger millennials made their very first home purchase last year. That’s a big leap, and it underscores just how important it is to have a clear understanding of the homebuying process from the start.

There are helpful tools out there, like the Consumer Financial Protection Bureau and the FDIC, but nothing replaces talking to someone who knows your community—and your financial goals—personally.

That’s where HHSB comes in. As your local, employee-owned community bank, we’re committed to walking you through each step of the homebuying journey. Whether you’re just starting to think about buying, or you're ready to find your dream home, our mortgage team is here to help you understand your options, crunch the numbers, and feel confident in your decisions.

In addition to traditional home loans, there are several programs that can make homeownership more accessible:

 

• USDA Loans (U.S. Department of Agriculture):  Designed for rural and suburban homebuyers with low to moderate income. No down payment required; must meet location and income eligibility.
• VA Loans:  Offered through the U.S. Department of Veterans Affairs, these are a fantastic option for eligible veterans, service members, and surviving spouses. No down payment, no mortgage insurance – just a few basic requirements.
• Jumbo Loans:  Used for homes that exceed conforming loan limits (which vary by area). Requires strong credit, larger down payments, and thorough documentation.
• Down Payment Assistance:  Indiana and surrounding communities also offer first-time buyer incentives and down payment assistance programs. We can help you explore these options and determine your eligibility.

Let’s Build a Plan Together

Even if you’re not quite ready to buy, we can help you prepare. From creating a savings plan to understanding your credit score, we’ll work with you to set financial goals and timelines, so when the time is right, you're ready.

This National Homeownership Month, reach out to HHSB. We’re more than just your mortgage lender – we’re your neighbor, your partner, and your guide on the road to homeownership.

 

Check fraud is on the rise – and it’s costing Americans millions every year. HHSB is committed to giving you the tools, education, and personal support you need to safeguard your finances. Whether you're writing checks for bills or sending a birthday gift through the mail, knowing how to protect yourself is more important than ever.

What is Check Fraud?
Check fraud often involves criminals stealing checks from the mail, altering them, and cashing them for unauthorized amounts. According to a recent poll by the Independent Community Bankers of America® (ICBA), one in five Americans have either experienced check fraud themselves or know someone who has.

 

How to Protect Yourself
Here are some simple but effective ways to reduce your risk:

• Always use the letter slots inside your Post Office or hand checks directly to a mail carrier.
• Pick up your mail promptly and avoid leaving it in your mailbox overnight.
• Sign up for Informed Delivery® through USPS to receive daily email updates on incoming mail.

• Use pens with black indelible ink that can’t be easily washed or altered.
• Don’t leave blank spaces on the check—fill in every line completely.
• Monitor your account activity regularly using online or mobile banking.
• Confirm that checks you send have been received and cashed by the right person.

      What to Do if You Suspect Check Fraud
      If you think you’ve been a victim of check fraud, act fast:

1. Contact HHSB immediately to report the suspicious activity.
2. Request copies of any altered or counterfeit checks.
3. Report the incident to local law enforcement, including as much detail as possible: when it occurred, how the fraud happened, and any suspicious activity you noticed.

We’re Here to Help
If you have questions or want to learn more about fraud prevention, contact us at 765-364-0784 or send us a chat in HHSB’s digital banking. Our team is here to offer one-on-one guidance and helpful resources tailored to your needs.