Rob Laney, First Merchants Bank, Branch Sales Manager, NMLS #140025

Rob Laney, First Merchants Bank, Branch Sales Manager, NMLS #140025 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Rob Laney, First Merchants Bank, Branch Sales Manager, NMLS #140025, Bank, 44350 W 12 Mile Road, Novi, MI.

Happy Thanksgiving tomorrow, everyone! And go Lions!
11/26/2025

Happy Thanksgiving tomorrow, everyone! And go Lions!

Winter market reality: Fewer listings mean serious buyers face less competition.If you've been thinking about buying, do...
11/24/2025

Winter market reality: Fewer listings mean serious buyers face less competition.

If you've been thinking about buying, don't hibernate until spring. Winter buyers often find:
❄️ More motivated sellers
❄️ Better negotiating power
❄️ Faster closings
❄️ Real pictures of how the house handles winter weather

Ready to start your search while others wait? The best time to buy isn't always when everyone else is looking.

Call me at 248-568-1162 to discuss your winter buying strategy.

Winter weather driving you indoors? Perfect time to tackle that home maintenance list you've been ignoring.Now's the tim...
11/21/2025

Winter weather driving you indoors? Perfect time to tackle that home maintenance list you've been ignoring.

Now's the time for:
🔧 Squeaky floors - Anti-squeak kits are inexpensive fixes
🔧 Appliance filters - Clean your stove's exhaust filter and dryer ducts
🔧 Hose inspection - Check washer, dishwasher, and icemaker hoses for cracks or leaks
🔧 Interior touch-ups - Small repairs now prevent bigger problems later

Bonus: Completing these tasks now means less stress if you decide to sell come spring. When warm weather returns, you'll have a shorter to-do list and a more market-ready home.

What's on your winter maintenance list?

Dreaming of that kitchen renovation or finished basement? Winter's the perfect time to plan your next home improvement p...
11/19/2025

Dreaming of that kitchen renovation or finished basement? Winter's the perfect time to plan your next home improvement project.

Whether you're thinking about a cash-out refinance, HELOC, or personal loan, I can help you explore your options and find the financing that makes sense.

Ready to turn those Pinterest boards into reality? Message me at [email protected] or call 248-568-1162.

Before an ice storm hits, check and see if there are any hanging branches over your roof. Trim them now and save yoursel...
11/18/2025

Before an ice storm hits, check and see if there are any hanging branches over your roof. Trim them now and save yourself from a potential problem in the future!

Buying a home? Your down payment isn't your only upfront cost—closing costs can catch buyers off guard.Expect to pay 2-3...
11/13/2025

Buying a home? Your down payment isn't your only upfront cost—closing costs can catch buyers off guard.

Expect to pay 2-3% of your loan amount in closing costs. On a $300,000 mortgage, that's $6,000-$9,000 on top of your down payment.

Smart ways to reduce closing costs:
💰 Ask sellers to contribute - Especially effective in today's market
💰 Shop around for services - Title companies, inspectors, and other providers often negotiate
💰 Consider a lender credit - Sometimes a slightly higher rate can eliminate upfront costs

The key? Know these costs exist before you fall in love with a house.

Questions about closing costs or ready to get pre-approved? Call me at 248-568-1162.

Mortgage shopping tip: Protect your credit score while rate shopping.Multiple mortgage inquiries within a 14-45 day wind...
11/11/2025

Mortgage shopping tip: Protect your credit score while rate shopping.

Multiple mortgage inquiries within a 14-45 day window typically count as one inquiry on your credit report. But random credit checks throughout your home search? Each one can ding your score.

The smart approach:
✅ Get pre-approved first
✅ Do all your rate shopping within a focused timeframe
✅ Avoid opening new credit cards or making major purchases

Work with experienced professionals who understand how to protect your credit while getting you the best rate.

Ready to start your search the right way? Message me at [email protected] or call 248-568-1162

Wondering if now's the right time to refinance? The answer depends on your unique situation. Here's what to consider:🏠 Y...
11/07/2025

Wondering if now's the right time to refinance? The answer depends on your unique situation. Here's what to consider:

🏠 Your current rate vs. today's rates - If there's a meaningful gap, refinancing could save you thousands annually

🏠 Your credit and finances - Strong credit and low debt-to-income ratios unlock the best rates and terms

🏠 How long you're staying - Planning to move in 2-3 years? The closing costs might not be worth it

🏠 Your current loan term - Sometimes switching from a 30-year to 15-year mortgage makes more sense than chasing a slightly lower rate

Every situation is different. Want a personalized analysis? Message me at [email protected]—I'll run the numbers for you.

When's the last time a professional checked your chimney? With the heating season in full swing, creosote buildup become...
11/05/2025

When's the last time a professional checked your chimney? With the heating season in full swing, creosote buildup becomes a serious fire hazard.

Chimney fires remain a leading cause of winter house fires. The best prevention? Annual professional inspection and cleaning.

Your winter safety checklist:
🔥 Schedule annual chimney inspection & cleaning
🔥 Burn only dry, seasoned firewood
🔥 Never burn cardboard, trash, or treated materials 🔥 Keep your firebox clean and debris-free
🔥 Always check that your damper opens before lighting
🔥 Never leave fires unattended

Don't wait for a problem—schedule your chimney service now, before the coldest months hit.

Think you need 20% down to buy a home? Think again! FHA loans require just 3.5% down. That mortgage insurance payment? O...
11/03/2025

Think you need 20% down to buy a home? Think again! FHA loans require just 3.5% down. That mortgage insurance payment? Often still less than what you're paying in rent.

Ready to stop renting and start building equity? Message me or call 248-568-1162. No obligations, just honest answers.

When your debt is higher than you like while trying to qualify for a mortgage, it’s time to revisit your financial habit...
10/30/2025

When your debt is higher than you like while trying to qualify for a mortgage, it’s time to revisit your financial habits.

💳 Attack credit card debt (check out debt payoff strategies or connect with a First Merchants banker to create a plan)
💳 Check your monthly budget—where can you lower costs (energy usage, decreasing subscription services)
💳 Ask me about down payment assistance programs that could work for you

Send me a message at [email protected] or call 248-568-1162 to learn more.

Space heaters cause nearly 1 in 7 house fires - but they don't have to be dangerous if used correctly.Essential Safety R...
10/28/2025

Space heaters cause nearly 1 in 7 house fires - but they don't have to be dangerous if used correctly.

Essential Safety Rules:

🔥 Direct plug only - Never use power strips or extension cords (they can overheat)
🔥 3-foot rule - Keep furniture, curtains, and anything flammable at least 3 feet away
🔥 Auto shut-off - Choose heaters that turn off if tipped over or overheating
🔥 Never leave unattended - Turn off when you leave the room or go to sleep

Other winter fire hazards to watch:

🕯️Unattended candles (leading cause of winter fires)
🧯Fireplace flues left closed when lighting fires
🔥Using ovens or stovetops to heat your home (creates toxic fumes)
🔌Overloaded electrical outlets from holiday decorations

Bottom line: A few safety steps can prevent thousands in damage and keep your family safe this winter.

Address

44350 W 12 Mile Road
Novi, MI
48377

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 6pm
Saturday 9am - 12pm

Telephone

(248) 568-1162

Website

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