Donations to the Eureka Food Pantry

SPRING 2013
Donations to the Eureka Food Pantry
Thank you to everyone
that donated food items
for the Eureka Food
Pantry. Your donations
go to more than 100
families in our area so
all donations are very
much appreciated.
Mark Carley (pictured
here) dropped off all
the items that were
donated. They were
very excited!
Charity of the Month
Our charity of the month program will feature Rockwood Bank as
a drop-off for a different charity every few months. Our current
charity is:
Mar-Apr: Franklin County Humane Society
Please see the “Wish List” below
has arrived!
In association with
Securities offered through National Planning Corporation, (NPC), Member FINRA/SIPC. E3
Consultants Group, LLC, Rockwood Bank and NPC are separate and unrelated companies.
MortgageBot is a new and exciting innovative
program in which customers can go online to apply
for mortgage loans. It allows them to view different
options and choose the product that best fits their
needs. Once they find the plan they feel works for
them, they can apply and immediately receive their
disclosures. This will help simplify and expedite the
entire process. It also allows Rockwood Bank to
capture new customers who may prefer “shopping”
online for the best deal in town. Please view this new
feature at www.rockwoodbank.com.
4 CONVENIENT LOCATIONS
EUREKA
219 Thresher Dr.
Eureka, MO 63025
FENTON
1037 Majestic
Fenton, MO 63026
HIGH RIDGE
23 Gravois Dillon Plaza
High Ridge, MO 63049
WILDWOOD
2620 Hwy 109
Wildwood, MO 63040
SPRING 2013
Rockwood’s Monthly Giveaway
Every month we have a featured giveaway for our
customers. Here are some of the recent winners:
January
Don Griese (our local
veterinarian) won January's
giveaway at our Eureka
location, a nice wine basket.
This is Rich Miller. He
won the January basket
drawing from High Ridge
February
Jack Karg won a gift certificate
to Marty’s Bar & Grill in High
Ridge.
Robyn Moeller was the winner
at our Fenton branch, a $25 gift
certificate to Dooley’s 026.
Sheila McNamara won a
Windowsills gift certificate.
Shirley Handling won a Eureka
Wine House gift certificate.
Margaret Bultas won $25 to Joe Boccardi’s in Eureka.
Vivian Lodderhose won $25 to Super Smokers in Eureka.
Sam Scott won The Company BBQ certificate in High Ridge.
Dede Wagner won a $25 certificate (in Fenton) to Holland Café & Meats
Rockwood Bank-Wildwood welcomes Becky
Coyner to our mortgage processing staff.
Becky lives in Fenton, MO. She is married with two
children and two grandchildren and expecting her third
grandchild soon. Becky comes to us with 36 years of
banking experience and will be working with the
mortgage processing department, while supporting our
teller line as needed. Welcome Becky!
Jean Tucker with Rockwood Bank customers at the
Eureka Center Luncheon.
March
Gift basket with $25
to the movie theater
Come in and Play Today
April’s Giveaway: $50 to a local nursery
We’re not just a bank in your community,
We’re your community bank.
Don’t forget to check us out online at:
www.rockwoodbank.com
SPRING 2013
VA GUARANTEED LOANS
A new Rockwood Bank mortgage product
What is a VA Guaranteed Loan?
VA Guaranteed loans are made by banks, savings & loans or mortgage companies to
eligible veterans for the purchase of a home...which must be for their personal
occupancy.
To get a loan, a veteran must apply to a lender. If the loan is approved, the Veteran's
Administration (VA) will guarantee a portion of it to the lender. This guaranty protects
the lender against loss up to the amount guaranteed and allows a veteran to obtain
favorable financing terms.
There is no maximum VA loan. However, lenders will generally limit VA loans to
$417,000. This is because lenders sell VA loans in the secondary market, which
currently places a $417,000 limit on loans. For loans up to this amount, it is usually
possible for qualified veterans to obtain no down payment financing.
A veteran's basic entitlement is $36,000 (or up to $104,250 for certain loans over
$144,000). Lenders will generally loan up to four times a veteran's available entitlement
without a down payment, provided the veteran is income and credit qualified and the
property appraises for the asking price.
FIFTY - SIXTY - SEVENTY
We recently celebrated some special birthdays.
John Ruprecht celebrated his 50th.
Mary Davis celebrates her 60th.
Joan Sutterer celebrated her 70th.
VA Loans Offer the Following Important Features:

Equal opportunity for all qualified veterans to obtain a VA loan.

No down payment (unless required by the lender or the purchase price is more
than the reasonable value of the property).

Buyer informed of reasonable value.

Negotiable interest rate.

Ability to finance the VA funding fee (plus reduced funding fees with a down
payment of at least 5% and exemption for veterans receiving VA compensation).

Closing costs are comparable with other financing types (may be lower).

No mortgage insurance premiums.

An assumable mortgage.

Right to prepay without penalty.

VA assistance to veteran borrowers in default due to temporary financial
difficulty.
Happy
Happy
Happy
Birthday!
VA does not do the following:
Guarantee that a home is free of defects. The VA guarantees only the loan. It is the
veteran's responsibility to assure the he/she is satisfied with the property being
purchased. The VA appraisal is not intended to be an "inspection" of the property. A
veteran should seek expert advice (a qualified residential inspection service), as
necessary, BEFORE legally committing to a purchase agreement.
If you have a home built, the VA cannot compel the builder to correct construction
defects--although the VA does have the authority to suspend a builder from further
participation in the home loan program.
The VA cannot guarantee a veteran is making a good investment.
The VA cannot provide a veteran with legal services.
How Does a Veteran Obtain a VA Guaranteed Loan?
Contract to purchase: Veteran selects home and discusses purchase with seller or
selling agent and signs purchase contract conditioned on approval of a VA guaranteed
loan.
Loan Application: Veteran selects lender, presents Certificate of Eligibility, and
completes loan application. Lender will develop all credit information and request VA to
assign a licensed appraiser to determine the reasonable value for the property.
Veteran will pay for credit report and appraisal unless the seller agrees to pay.
Either VA or the lender will issue a value for the property for loan purposes based on
the appraisal.
Loan decision: If the established value is acceptable to all parties and the lender
develops that a veteran is credit and income qualified, the loan may be approved.
Loan Closing: Veteran (and spouse) attend the loan closing and sign the note,
mortgage, and other related papers. The lender or closing attorney will explain the loan
terms and requirements as well as where and how to make the monthly payments.
Marilyn Mays and several Rockwood Bank customers
helped bag Arbor Day trees for the Senior Center in Eureka
to give away.
Ann Moore was very grateful for the help as it normally
takes her two days to bag up the trees. Marilyn and our
terrific customers got it done in two hours!
CUSTOMER APPRECIATION DAY IS JUNE 14TH!
How Can I Obtain More Information About VA Home Loans?
This is just a brief summary of how the VA Mortgage Product works. For more
information on this and other Mortgage related topics please contact one of
Rockwood Bank's Mortgage Specialists:
John Ruprecht: (636) 225-9222 (jruprecht@rockwoodbank.com)
Lane Alpert: (636) 458-9222 (lalpert@rockwoodbank.com)
Tom Bangert: (636) 677-9222 (tbangert@rockwoodbank.com)
Charlene Birke recently celebrated
th
her 20 year at Rockwood Bank. She
received a crystal vase in recognition
of her service to Rockwood.
SPRING 2013
Wish List
Pet Foods and Supplies
·Purina, Purina ONE, ProPlan or Iams canned or dry cat and KITTEN food. We have
a year-round shortage! Please, we only need these brands as we try to feed quality
foods to keep our animals healthy.
·Blankets (washable and fleece fabric) for cold kennel dogs
·Stainless steel non-tip bowls
Rawhide chews and rawhide bones,
·Kongs or Nylabone chewing bones, hard rubber toys
·Washable dog and cat toys (no dangerous parts)
·Rolled and tied newspapers
·Cat litter or pelleted litter available at feed stores (Eagle Valley Brand)
·Used or new bath towels and washcloths
·New or used leashes, collars, harnesses
·New or used rubber backed throw rugs-for placing in the dog crates at adoption
events so that they look their best! They get noticed if on pretty rugs; rubber backing
keeps them from slipping.
·Old blankets and quilts cut small enough to fit in a washing machine – cut and
finished if possible
·Collapsible crates, carriers
Jean Tucker of Wildwood branch is pictured here
at Eureka Park’s Easter Egg Hunt held March 23rd
at Drewel Park in Eureka, registering the
participants. Saturday was a busy time at the
registration table, letting all these little ones into
the egg hunt area. It was setting up and
registering and boxing back up, worth every
minute to see all these families enjoy the day!
Happy Easter everyone!
Cleaning Supplies
·30 gallon drawstring trash bags
·Toilet paper & paper towels
·Hand sanitizer
·Boxes of powder-free latex or vinyl gloves
·Spray cleaners, glass cleaners, wipes
·Bottled bleach; Kaboom cleaner
·Cleaning rags with scrubby side; scrub brushes
·Mop heads with looped ends
·Brooms & dustpans; spray bottles & sponges
·Laundry powder; dishwashing liquid
Medical Supplies
·Frontline Plus, Advantix, or Revolution flea and tick control products, please only
these brands
·Heartworm Preventative
·Insulin syringes-still in their boxes or packages to assure sterility
Office Supplies
2 pocket folders
Copy paper (white & light colors)
Postage stamps-forever & postcard
HP 88, 21, 22 ink cartridges
2 window security envelopes
Black Sharpies; Scotch tape
Paper shredder
Gift cards to major stores like Wal-Mart, Kohls, Target & Office Max
The Franklin County Humane Society is a 501(c)(3) non-profit, non-governmental,
privately run organization. We take in approximately 4000 animals each year. We do
not receive any tax dollars or funds from national humane organizations. Your taxdeductible donations are vital to our existence.
When Irish Eyes are Smiling
They’re usually up to something
Marilyn Mays, our Prestige Club Director, presents
information on the upcoming trip to Ireland.
SPRING 2013
While touring the location the 21
girls accompanied by a few Leaders
viewed the drive-thru, ATM, and the
safe deposit box room along with
the vault.
Rockwood Bank Fenton
was proud to host Girl
Scout Troop 2698 on
Tuesday March 5, 2013.
The visit was intended to teach the girls about
being fair and honest. After the tour the girls left
the bank with a brochure, Rockwood Bank cup
and, of course, suckers in hand. We would like to
thank longtime bank customer Nancy VanCardo
and the other Girl Scout leaders for giving us the
opportunity to help teach these young ladies.