Pandemic Party

Wedding Snapshots

Mike and Laura Davis-Turner

Mike Turner and

Laura Davis

reconnected at their high school reunion. Laura shares that they felt “sparks” from the beginning. For their first date, they attended a Mallett Brothers Band show in Appalachia, New York. One of Laura’s favorite memories from dating is dancing with Mike to “Wonderful Tonight.” “I had not had the opportunity to dance with someone in a long time, so it meant a lot that he asked ‘Alexa’ to play the song and asked me to dance. It made me cry.” Laura shared that their relationship is special because, “Mike and I have a deep appreciation for where we are in life and what we’ve gone through to get here. We know we are fortunate to have found each other at this point. We are very similar and always bring out the best in each other. We are thankful for all we have and for such a supportive, loving relationship.” Laura and Mike dated for two years before becoming engaged. While on a bike ride near Honesdale, Mike wanted to take photos of some waterfalls. Mike was selecting a spot to take a video and Laura asked if they could take a selfie. She unknowingly filmed her engagement as Mike brought the ring into the shot! They were married on June 20, 2020 in Kingsley, at Mike’s father’s house. Mike’s dad passed away the previous year, so it was a sentimental

location, with close friends and family present. It was an outdoor wedding, decorated with Gerbera daisies, white linens and votive candles. Their cake featured two mountain bikes to symbolize their shared hobby. Laura shared a special moment from the ceremony: “A deer visited just beyond where we were exchanging our vows. It lingered and kept shifting its head as if it wanted to hear us. Morgan, Mike’s dad, was an animal lover and hunter. We felt like it was his spirit with us.” Another special memory was riding away on their Polaris after the ceremony. Mike and Laura enjoy attending concerts together, trail riding on their bikes, riding in their Polaris on summer nights, visiting loved ones in Lancaster and enjoying good food. They also love spending time with their children and witnessing their accomplishments. Between them, they have four children. The couple resides in Kingsley. Mike is employed at Dick’s Warehouse in Conklin, New York and Laura is an assistant principal in the North Pocono School District. They honeymooned in Lancaster. H

Wayne Bank Offers Tips For First-Time Homebuyers

In the past year, people have

spent more time at home than ever before. Our homes have become the center of our lives, the place where we find sanctuary from the world and raise our families.

For most of us, buying a home is the largest purchase we will ever make. That may be daunting, but it doesn’t have to be. In order to find a mortgage solution that fits your financial situation, you should plan early, research options and work with a mortgage lender you trust and feel comfortable with.

“I love helping my customers realize their dreams of home ownership,” says

Wayne Bank Mortgage Loan

Officer, Kathy Serniak, NMLS # 593222. “For a first-time homebuyer it is an exciting process, but it can also be intimidating. Whether you’re looking to buy or build a home, working with a local community bank can simplify the process. At Wayne Bank I’m able to work one-on-one with my customers to answer their questions and guide them through every step of buying their first home.” To help first-time homebuyers navigate the mortgage process, home loan professionals at Wayne Bank have put together six tips.

Gather documents. Items to have readily available include paycheck stubs, bank and invest-

1.

ment statements, W2 forms and tax returns.

Know your monthly income and budget.

Including how much you spend on rent, utilities, car payments, credit card debt and living expenses. This will help you determine how much money you have for a down payment and how much you can afford for a monthly mortgage payment. Don’t forget to factor in additional expenses that come with owning a home, like real estate taxes, homeowner’s insurance and mortgage insurance.

Check your credit report and know your credit

score. Most lenders rely on your credit score when reviewing your loan application, so your credit history is important when applying for a mortgage. By checking your score ahead of time, you can ensure that it’s where it needs to be before you apply for a loan.

2. 3.

4.Keep tabs on your spend ing habits. Maxing out credit cards or falling behind on loan payments could create issues when qualifying for a mortgage. 5.Work with your mortgage originator. Get pre-qualified so you know how much you can borrow; it’s important to stay within your means when purchasing a home. Your mortgage lender can help you find the type of mortgage that is right for you and explain options including rate adjustments, fees and other loan features so you are prepared for the loan closing and not surprised down the road. 6.Learn what the current mortgage rates are. Your mortgage lender can help you understand how that translates into monthly mortgage payments. Call 1-800-598-5002, visit waynebank.com, or stop by your local Wayne Bank Community Office.

Loans are subject to Wayne Bank’s credit policy and certain restrictions may apply. Wayne Bank is a subsidiary of Norwood Financial Corp., Member FDIC,Equal Housing Lender, and is located in Honesdale, Pennsylvania. The Bank has 30 Community Offices serving Wayne, Pike, Monroe, Lackawanna, and Luzerne Counties in Pennsylvania, along with Delaware, Sullivan, Otsego, Ontario, and Yates Counties in New York State, including those offices operating under the Bank of Cooperstown and Bank of the Finger Lakes brands. The stock trades on the NASDAQ Global Market under the symbol— NWFL. H