Meet our North Conway crew, a gaggle of native consultants devoted to understanding the banking wants of the Higher Mount Washington Valley area.
– Susan Perry, Senior Vice President, Industrial Mortgage Officer
– Will Perez-Moya, Department Supervisor
– Kathy Sanderson, Sr. Residential Mortgage Mortgage Originator (NMLS 409084)
– Thomas Rubino, Common Banker 1
We requested our crew questions on their lives right here in MWV, their place on the financial institution, how they’re concerned in the neighborhood and their ideas on the housing state of affairs within the space. We hope you take pleasure in attending to know them and studying extra about their ideas about dwelling right here in Conway!
How lengthy have you ever lived within the MWV, and what introduced you to this space?
Susan:
I’ve lived in Chatham, New Hampshire (1 mile from Conway) for 34 years. I moved to the realm after getting married, as my husband grew up on this space and lived right here his complete life.
Will:
I’ve lived in Conway for 2 years. The job alternatives and the realm’s stunning pure environment are what initially attracted me to this neighborhood.
Kathy:
Moved from Central Florida 20 years in the past to North Conway. We needed to have our daughter expertise 4 seasons in a slower paced rural atmosphere.
Are you able to share your skilled journey in banking and the way you got here to work at Union Financial institution?
Susan:
I’ve been working in banking since 1989, beginning first as a teller at a financial institution on Congress Avenue in Portland, Maine, and them relocating to the previous White Mountain Nationwide Financial institution after I moved to the realm. I began with WMNB as a Buyer Service Consultant and moved round for a number of years, lastly ending up as a Credit score Analyst.
When WMNB was acquired by First NH, my job was eradicated so I moved to the previous Berlin Metropolis Financial institution as their first Credit score Analyst. I used to be with Berlin Metropolis (aka Northway Financial institution) for greater than 17 years, rising the credit score division from simply me to a big crew. As well as, I established a small enterprise program often called the Northway Enterprise Specific program the place we helped a whole bunch of companies with working capital strains of credit score and gear purchases.
After 17 years, I used to be introduced with the chance to journey the nation and took a job in Software program Implementation for a Industrial Lending LOS system. I used to be liable for assembly with Banks throughout the nation to find out their wants with the software program they bought, then configured the software program to fulfill their wants. Over the 5 years that I did this job I helped greater than 100 banks implement this software program and enhance their efficiencies.
Six years in the past, Union Financial institution was trying to open a mortgage manufacturing workplace in North Conway, and I’ve been right here since.
Will:
I started my profession on the financial institution as a Common Banker, and since final June I’ve been serving because the Department Supervisor.
Kathy:
I began in Banking as a Teller and moved over shortly to New Accounts and after just a few years began my profession in Residential Mortgage Financing. My husband is self-employed as a Dental Lab Technician in North Conway.
Thomas:
I began my banking profession at Norway Financial savings Financial institution somewhat over 5 years in the past now. My father and mom had been each in banking (father nonetheless is) and after just a few years in retail gross sales, I made a decision it was time to strive it out and see if that profession path was value switching to.
I wore many hats whereas I labored for Norway Financial savings Financial institution and when it got here time to maneuver to a totally new city, I wanted to search out one thing nearer. Fortunately, the department supervisor on the time right here was a former co-worker from Norway Financial savings so it was a very simple transition!
What do you take pleasure in most about working right here?
Susan:
My favourite a part of my job helps folks and companies obtain their dream of enterprise possession or enterprise progress. I take pleasure in working at Union Financial institution as our choices are made regionally, however people who’re invested of their communities and the individuals who reside there.
Will:
What I take pleasure in most is working with my incredible colleagues. We’ve got a supportive, customer-focused crew, and it’s rewarding to be a part of such a collaborative atmosphere.
Kathy:
I like working for an area Group Financial institution and the help I’ve at Union Financial institution in my function and outreach efforts in Mount Washington Valley.
Thomas:
I feel the factor that I take pleasure in essentially the most about working right here is seeing the satisfaction coming from our clients after we’ve achieved all we will to assist them with their banking wants.
There’s no higher feeling than seeing a buyer extraordinarily joyful after having a relationship transferred over to us or perhaps a new relationship, they usually reward the whole workers for all their arduous work. It’s such an incredible feeling.
Do you’ve gotten any private or household historical past of rising up or attending faculty within the North Conway space?
Susan:
My husband grew up in Chatham and attended faculties in Fryeburg, Mainer. My youngsters additionally attended faculty in Fryeburg, each having graduated from Fryeburg Academy.
Will:
I grew up in a distinct nation the place I lived close to the mountains, about two hours from the coast. In that method, transferring to North Conway has felt acquainted, because the pure panorama right here jogs my memory of residence.
What do you consider the housing market in MWV? How has it modified through the years?
Susan:
The housing market within the Mt. Washington Valley may be very powerful. The demand for properties to personal or hire far exceeds the provision of accessible items. Communities and builders work arduous to search out alternatives to generate new stock, nevertheless, in latest occasions, the associated fee is prohibitive, and the brand new development tends to lean towards the second householders or rich people.
Kathy:
In my twenty years dwelling in North Conway and being very concerned within the native housing promote it has change from a really rural setting to now a significant four-season vacationer space. There are a lot of 2nd houses being bought within the final 4 years which limits housing for the parents that work in our space. Housing costs have additionally soared upwards. This makes housing affordability for locals very troublesome.
What recommendation would you give first-time homebuyers in Conway or the encompassing areas?
Kathy:
Search out a mortgage skilled that may information you step-by-step for a future profitable residence shopping for expertise. It’s by no means too early to get educated!
Susan:
Be affected person, work on ensuring your private state of affairs is the very best it may be by eradicated bank card debt, and many others. Avoid wasting cash so you’ve gotten the funds wanted to buy a house and be open to dwelling in surrounding communities.
Will:
For first-time homebuyers in Conway, my recommendation is to be ready and act shortly. I lately made the error of not doing that, and it looks like my spouse and I missed the prospect to purchase our dream residence.
Be sure to’re pre-approved for a mortgage (with Union Financial institution, after all) so you can also make a suggestion with confidence, as competitors is excessive. It’s additionally necessary to work with an area realtor who understands the precise market traits in Conway. Be versatile along with your wants and take into account properties simply exterior of Conway, which can be extra inexpensive whereas nonetheless providing easy accessibility to the city’s facilities.
How does the financial institution assist clients navigate mortgages, particularly given the native housing traits?
Susan:
We’ve got a superb crew of Mortgage Originators, particularly Kathy Sanderson, who cowl New Hampshire.
Kathy:
We accomplice with Housing Finance businesses for House-buying lessons and availability for down fee help. We even have many mortgage applications for distinctive properties and supply construct mortgage applications that may accommodate homebuyers wants.
Will:
The financial institution presents personalised mortgage companies to assist clients navigate the native housing market. We offer pre-qualification and pre-approval companies to offer consumers a bonus in a aggressive market. Kathy Sanderson, our mortgage mortgage originator helps educate consumers on the several types of loans obtainable, together with first-time residence purchaser applications, which could provide decrease down funds or higher phrases.
What native elements, like value of dwelling or neighborhood developments, ought to homebuyers in MWV concentrate on?
Will:
Homebuyers in Conway ought to concentrate on the rising value of dwelling, particularly with property costs and taxes rising. Moreover, North Conway’s robust tourism trade contributes to the native economic system, which might have an effect on housing demand, particularly for second houses or trip properties.
Consumers must also take into account the provision of native facilities corresponding to faculties, healthcare, and the proximity to leisure actions, that are key to Conway’s attraction. Latest neighborhood developments and the city’s concentrate on sustaining its attraction may also affect property values, so maintaining a tally of native zoning adjustments and infrastructure tasks is essential for long-term funding planning.
Kathy:
Learn as a lot as you’ll be able to concerning the native market and future alternatives they’re endlessly altering. Ask questions of your mortgage skilled. We’re right here to assist even at nights or weekends.
How do you keep engaged with the neighborhood exterior of labor?
Susan:
I’m the Secretary/Treasurer of the Mt. Washington Valley Financial Council, the treasurer of The Mom Seton Home and concerned with the Fryeburg Honest.
When my youngsters had been rising up, I used to be very concerned of their faculties, rec applications, booster golf equipment, and many others. I used to be additionally concerned with the Crimson Cross after we had an area workplace within the Mt. Washington Valley years in the past.
Kathy:
I’m concerned with Memorial Hospital/Fundamental Med in North Conway. My membership with Mt Washington Valley Chamber retains me linked with enterprise leaders in the neighborhood. My involvement with the White Mountain Realtors and Affiliate committees is a superb what to remain linked with my referral sources. All of those sources present Union Financial institution with many advertising and marketing alternatives and relationships.
What do you’re keen on most about dwelling within the North Conway space? Are there any specific points of the area you assume make it an incredible place to reside?
Susan:
The Mt Washington Valley is a superb place to reside. We’ve got fabulous meals choices, actions to maintain most individuals busy and cultural occasions corresponding to native theater productions.
Will:
What I like most about Conway is the unimaginable pure magnificence mixed with the welcoming neighborhood spirit. The proximity to the White Mountains makes it excellent for outside actions, corresponding to mountain climbing, snowboarding, and scenic drives. The city has a singular mix of small-town attraction and vibrant tourism, so there’s at all times one thing occurring whereas nonetheless feeling peaceable. The robust sense of neighborhood and native delight really make it an incredible place to reside.
Kathy:
There may be by no means a scarcity of actions in MWV. Being a four-season resort space you’ve gotten many decisions to benefit from the outdoor and inside actions or occasions.
Thomas:
I feel what I take pleasure in essentially the most about dwelling on this space is the truth that you don’t need to journey far to go from bustling metropolis life the place each avenue nook is a distinct retailer to accommodate most wants, to driving simply 5 minutes out of city and you’re already immersed within the breathtaking mountain views and a brief drive into the nationwide parks. You actually do get the very best of each walks of life dwelling right here.
For brand spanking new residents trying to get entangled, what native organizations, neighborhood actions, or occasions would you suggest they try?
Susan:
Regulate the Conway Day by day Solar and Social Media; there are such a lot of issues occurring in and across the space to maintain most individuals engaged.
What are your favourite native spots to go to with household or pals?
Susan:
There may be nothing extra calming that driving north on Route 16 and catching a glimpse of a snow-covered Mt. Washington within the background. There are such a lot of fabulous eating places within the space, and all are so good. Favourite eating places embrace SeaDog Brewing, the WildRose at Stonehurst Manor, the White Mountain Resort and Huge Dave’s Bagels. Purchasing has modified through the years, with many shops leaving the realm and new specialty shops taking their place. It’s typically troublesome to search out objects corresponding to a gown shirt for a special day, however entry to higher purchasing is barely a brief drive away.
Will:
A few of my favourite native spots embrace Echo Lake State Park, the place you’ll be able to take pleasure in picnicking and mountain climbing with gorgeous views of Cathedral Ledge. For eating, I like stopping by The Wild Rose Restaurant at Stonehurst Manor for nice native meals. Purchasing at Settlers Inexperienced can be a should, providing a variety of shops and distinctive retailers that attraction to each locals and guests alike.
Kathy:
I take pleasure in Schouler Park in North Conway. A lot of strolling and using trails. Within the Winter cross nation or snowshoeing is obtainable to take pleasure in. My favourite restaurant is Black Cap Grill. Domestically owned and operated.
How have you ever seen Conway develop or change through the years, notably in areas like housing or native companies?
Susan:
The world continues to develop and evolve; the Mt. Washington Valley is a vacationer vacation spot, and the expansion we’ve seen is expounded to this trade. Space sights corresponding to Cranmore Mountain proceed to increase and enhance their operations to draw extra guests to the realm. We’d like housing for many who reside and work right here and lodging for many who like to go to and play right here. The world must discover a good steadiness between the 2.
Thomas:
I grew up in Bartlet NH which is simply down the highway from Conway. I bear in mind when this complete space was once quite a bit much less busy and crowded than it’s right this moment.
I might say the enterprise inhabitants right here has elevated tremendously since I used to be in my youth, visiting right here fairly repeatedly. The world has introduced extra numerous enterprise that the realm on the time didn’t have so I might say that the expansion this space has had was a blessing.
What would you suggest to somebody transferring to Conway concerning housing or settling into the neighborhood?
Thomas:
For somebody transferring to Conway, I like to recommend working with Kathy. She really understands the distinctive housing market right here. Whereas the housing stock could be aggressive, there are alternatives in case you’re affected person and ready. Get entangled in the neighborhood early on by attending city occasions and visiting native companies—it’s an effective way to really feel settled and meet folks.
Kathy:
Instantly get entangled in the neighborhood. Volunteering is an effective way to remain linked and meet locals that may assist you to navigate your MWV expertise.
What are some native landmarks, companies, or occasions that maintain particular which means for you?
Kathy:
Memorial Hospital is pricey to my coronary heart.
We Look Ahead To Assembly You!
We hope this glimpse into our crew has helped you get to know us higher. We stay up for constructing a long-lasting relationship with you and supporting your monetary wants.
Union Financial institution is proud to serve North Conway with a devoted crew dedicated to creating a constructive affect in our neighborhood. Whether or not you’re opening an account, on the lookout for a mortgage, or in search of monetary recommendation, we’re right here to assist. Cease by right this moment or contact us to expertise the distinction we will make for you!
