Corey Kates is a significant part of one of the biggest milestones in his clients’ lives: purchasing a home. 

It’s not a role he takes lightly. His clients are often in need of guidance and financial advice, and Corey comes alongside them during this major process, spending many hours with each.

“I truly care about my clients. From the time we first talk until closing time on a purchase or refinance, I feel like I have connected with them on a much deeper level than just as another person closing on a loan,” he shares.

Thanks to his service and dedication within INB Mortgage, Corey, NMLS #1652367, was recently promoted to Assistant Vice President, Mortgage Loan Officer.

Learning from Behind the Scene

Corey’s career in mortgage first started behind the scenes in July 2017, as a mortgage processor.

“I took my knowledge and experience from what I had learned from the incredible team on the operations side with Gregg Formigoni and Sam Patrick and transitioned to the origination side in April of 2019,” he says.

INB has been an ideal fit for Corey’s career because the bank’s culture encourages personal and professional growth.

“I’m incredibly proud of the passion and commitment I see in every department at INB. Everyone works to ensure that our clients’ needs are met, and they know we are here for them throughout every milestone in their life,” Corey says.

Giving Spirit in Sync with INB Culture

Community involvement is also a pillar of INB, and Corey has been passionate about giving back. He points to INB’s participation in United Way Days of Action, charity runs, sponsorships, and other random acts of kindness throughout the year.

INB even supported him personally by matching his donation to local restaurants giving away meals during the COVID-19 pandemic.

“These are local businesses that put the community first, and I was honored to be part of the movement. INB didn’t hesitate to partner with me in this effort to support thousands of meals that were handed out each week and on Easter morning,” Corey shares. “This is just a small fraction of what INB puts forth in the surrounding area to help grow Springfield, and I genuinely couldn’t be happier than I am to call INB home.”

As Corey has dived into his career and community, he now calls many of his clients friends. His favorite part of his job is meeting people and getting to know their backgrounds, stories and hopes for the future.

As for Corey’s own future, he’s “extremely excited and humbled” by his promotion and can’t wait to help more people and families get the keys to their new homes. 

“I look forward to being a part of INB for many years to come, and just want to help make dreams a reality for as many families in this community as I can,” he says.

1. Here’s what I suggest keeping in mind as you think about building..Get prequalified for a construction loan. If you’re wondering about financing and costs, it will give you peace of mind to sit down with us and go over all of the numbers – and your builder will be glad too.
2. If you want to build in a specific subdivision, get the covenants first. Some subdivisions have covenants, which are like rules each home needs to follow – for example, how far the house needs to be from the street, the back property line and the sides of the lot. There may even be certain rules like no commercial vehicles in the driveway. So everyone should make sure they understand their subdivision’s covenants before they buy a lot.
3. Talk to a builder or architect first before choosing a floor plan. You want to choose your floor plan based on your lot, instead of other way around. Sometimes people have their home plan picked out and it has everything they want – but then they find out it doesn’t fit their lot and they lose time and money.
4. Start picking out materials as early as possible. This especially includes your shingles, siding, windows, stone/bricks and cabinets. This is beneficial for several reasons:  (Press Shift+Enter to get space seen below)
   
   
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5. Don’t change your floorplans once the walls go up. Sometimes people want to increase their closet size once they see that they have extra room in the bedroom, for example. But you should be aware that this does cost extra money because it is a change order for the builder.
6. A schedule is a loose timeline. Your contractors have other projects, and you may not see your contractor on your construction site one day. Maybe they have to wait for your tile to come in or maybe a subcontractor didn’t show. There are a lot of moving parts, so trust your contractor and realize they won’t be at your home site every single day until it’s finished.

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