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Credit & Debt, Lending
Understanding Debt Yield in Real Estate Lending
In the world of real estate lending, as a borrower it’s critical to have a strong understanding of various financial metrics used by lenders evaluating your loan application. One such metric that plays a pivotal role in evaluating the risk… Read More
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Lending
FHA Loans Are Not Just for First-Time Home Buyers
Debunking A Common FHA Loan Myth. They Are Not Just for First-Time Home Buyers The financial aspect of buying a new home can often be daunting, especially for first-time buyers. With varying mortgage loan types and down payments requirements, it… Read More
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Credit & Debt, Lending
Debt Service Coverage Ratio in Real Estate Investment Lending
Understanding the Debt Service Coverage Ratio in Real Estate Investment Lending: Impact, Management, and Improvement There is a lot to understand and be aware of when it comes to real estate investment lending. A lot of information is requested and… Read More
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Fraud & Security
Safely Using Mobile Payment Apps
Safely Using Mobile Payment Apps: Minimizing Account Balances and Best Practices for Enhanced Security Digital technology has made it easy to spend, manage, and move money. There have been rapid advancements in the digital payments space with numerous mobile and… Read More
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Budgeting & Saving
A Guide To Mastering the 50/30/20 Budgeting Rule
Saving money is an essential aspect of personal finance, but it can often feel overwhelming and confusing. Like most success stories though, having a plan to follow will keep you moving along the right path. One savings plan that is… Read More
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Fraud & Security
Avoiding And Protecting Yourself From Spoofing Scams
Telemarketers and criminals routinely adopt new ways to get you to answer their calls. But an increasingly common technique scam artists have been using is to falsify or “spoof” their caller ID information. What Is Spoofing? Spoofing is when a… Read More
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Community
Spring Housing Checkup and Maintenance
Tips For Conducting A Spring Home Checkup. The longer days and warming spring weather are beginning to bring us out of our winter hibernations. As we head back outside to enjoy the seasonal change and tackle spring projects, be sure… Read More
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Budgeting & Saving, Credit & Debt
Financial Checkup: Tips to organizing your personal finances
Whether you’re looking to better understand your expenses, save money, improve your credit, or all of the above, a financial checkup is a good practice to undertake at least once a year. However, there is no need to run to… Read More
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Community, News & Announcements
ESB Associates Volunteer at Baltimore Hunger Project
A group of Eastern Savings Bank volunteers took part in a “Packing Experience” with the Baltimore Hunger Project (BHP). Our volunteers packed and sorted non-perishable food items into individual packages to be delivered to local elementary schools for food-insecure children… Read More
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Budgeting & Saving, Credit & Debt
Planning For Success in the New Year
The new year is here and in full swing. There is plenty of opportunity ahead and now is the time to chart your course to success. Start planning now and adjusting your activities to achieve your goals. Device A Plan… Read More
