Your Central Indiana Community Bank
Combine a graduate of both Leadership Hendricks County and the Indiana Bankers Association Commercial Lending School with someone who is a lifelong Hendricks County resident, with over ten years of banking experience and you will find the dynamic, dual threat that is Rachel.
Rachel is both a small business commercial lender and a mortgage loan originator. She knows what it takes both to find finance the home of your dreams and the business that will make your dreams become reality. She excels at helping developers not only finance their projects but also providing construction or permanent financing for those looking to buy homes in not just Avon or Danville but throughout central Indiana.
If you are looking for a lender that shares your drive and passion and is someone you can partner with as your business grows, contact Rachel today!
I was looking for something entry level as I was thinking about what I wanted to be... I thought banking connected well with what I enjoyed in school. I really liked math, but more than that, I enjoyed accounting, thinking about the time-value of money, and learning how money moves and grows. I was a teller for another bank, took time off when I had my daughter and then came to Citizens Bank. It was a good fit and they had an opportunity where they put me through school. They paid for the entirety of my education, so I’m pretty loyal! It gave me the opportunity to learn while working. I had several chances to move along in other positions, so I’ve held six different positions here.
My client base is split—I’m about half residential real estate, and half small business lending, typically businesses with one to 50 employees. I focus on real estate in that area as well. So basically I’m the real estate guru!
At this time we’re in a huge growth phase with new construction. We’re in one of the fastest growing counties in Indiana--a huge part of what I do is helping people getting into custom homes. Picking out the land, picking a builder, making loans, and seeing them move in. I am so lucky. I get to watch people become homeowners. We have a lot of really great jobs and people coming for these jobs and our schools so just a ton of movement.
Consider picking your builder as an interview process. Not everyone matches with a builder--just because they built something you like doesn’t mean you’re going to work well together over the next year. A lot of times builders send me the client but if they came to the bank first, we have a list of pre-approved builders to work with. I think people feel like they’re stuck once they’ve had a conversation with their builder. I always tell people: Pick them the way you’d pick a realtor. You are the customer!
There’s a preconceived notion that you have to have a lot of cash up front to build a house. We actually have several loan products from zero percent down (rural housing construction loan), a 10.1% down, and a 20%+ down. Some people would like to start building before they’ve sold their other home, so a lot of people wait until they get that 20%, but you could start the process sooner with a lesser down payment loan. They know they will come into more cash, but they don’t have the cash right now. So you start with an 80% mortgage that has no pre-payment penalty.
Filing bankruptcy in general. A lot of times people come with a past bankruptcy and if they had to do it over, they wouldn’t. People talk to debt collectors or consolidators—by the way, I just have to say never use a debt consolidation company. It does a ton of damage! Some people feel overwhelmed and feel like they’re in trouble before they really are. They’ll get advice to stop paying and become delinquent so they can qualify for debt forgiveness. When they come back and need credit, that’s not a good enough answer to qualify. However, if you come to us and say “I had a divorce, I had medical problems,” you can explain a lot away life changing circumstances. If you have a legitimate grievance, that letter can stay in your file and there’s a true human who interacts with those letters of explanation and it’s better to take a chance with them.
I grew up on a farm, and as an adult I NEVER wanted animals because I knew how much work they were. My daughter always wanted a dog and I told her I we were never home enough. My boyfriend, however? He has the five crazy dogs. I was not sure, no matter how great the date was going, that I could get through five dogs. We love them equally and I wouldn’t trade them. I haven’t had animals in forever because I love to travel and my boyfriend is a homebody.
I would say Belize was super eye-opening. My daughter was with me and we spent a lot of time in the rural areas. It was really great to be unplugged and taking in the culture.
My number one travel regret was missing the redwood tree that you drive through; it fell down and that fueled me to say what else is on the list, what’s next? There are a lot of landmarks in the U.S. that I want to see.
I showed sheep for 10 years. Some of it’s bone structure, nutrition, but also fitness. People actually have treadmills that they work the lamb out to build muscle and definition. The country redneck version of that is we’d pull them behind the lawnmower.
My personal motivation comes from many places. I’m professionally motivated by helping others fulfill their dreams and helping them grow and meet their financial goals. My daughter is my main drive and “why” in this industry. Being a mother has pushed me to be my best self and it helps me make decisions every day. Would I be proud of my actions today if my daughter were watching?
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Avon Address99 Dan Jones RdAvon, IN 46123
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