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1. What costs will I have to pay at a mortgage closing?

   Closing costs include a number of fees and will vary based on your agreement, your loan, your lender and even what state you live in. But you typically can expect to pay between 2 and 5 percent of the home’s purchase price to cover these costs.

   You can expect to see fees for the third parties and reports involved in your home purchase (including attorneys, couriers, title searches, inspections, appraisals, surveys, transfer records, property research, underwriting and more), and you also may have to pay for any upcoming property taxes.

   Insurance also plays a large role in closing costs. For example, you may need to pay your premium for the first year of homeowner’s insurance at closing, as well as title insurance, and Private Mortgage Insurance (if your down payment is less than 20 percent).

   Your mortgage expert can provide an estimate of these closing costs after you apply for your mortgage.

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4. Go Further, Together: Top Insights from Women Business Owners
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5. How to Fit Smart Home Technology into Your Business
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6. Wealth Management Account Access
   Log in to your Old National Wealth Management accounts, including Client Point.
7. How does a sub-user activate their account for Shared Access?
   As a subuser, you have the ability to access another person's account, based on the entitlements granted to you. 
   
   The primary user will setup your access. 
   
   You will be sent an email with your temporary password to the email address the primary user setup and a second email with your temporary ID. 
   
   Within 30 minutes of receiving the email, click on the link to complete the setup. 
   
   Read and accept the terms and conditions. 
   
   Verify your identity by receiving a call from the phone number provided by the primary user. 
   
   Setup a new password. 
   
   Once logged in, if you want to change your ID, click My Settings and Edit User ID. 
   
   If you forget your password or have questions regarding your access, please contact the primary user.
8. How can I see when property taxes are paid from my mortgage escrow?

   Payment information for property taxes is available in Mortgage Manager within Online and Mobile Banking. Our Guide to Accessing Mortgage Manager provides step-by-step directions.

   To see the total amount paid on your behalf for the previous year or year-to-date, go to the top menu in Mortgage Manager and select My Loan. From the dashboard choose Document Center and then select Escrow report.

   To see when future payments will be made, Select the drop down arrow located next to the escrow item and it will expand with detailed information.

   Property tax payments are also reflected in your year-end statement, to be mailed by January 31.

9. What is mortgage pre-qualification?

   Mortgage pre-qualification enables you to begin the application process and gain helpful information even before you start looking at homes. 

   With pre-qualification, you’ll know how large of a mortgage you can may qualify for, which means you’ll know what pricepoint you’ll be looking in. You’ll know your spending limit, and will also be a more attractive buyer to sellers (because they will know you’ll be able to receive the financing you need to buy the property).

   While pre-qualification isn't actual approval, it can help speed up the approval process when you find the perfect home. Getting pre-qualified is quick and easy, and you can have an answer in minutes.
   
   Talk to a mortgage expert about getting pre-qualified.

10. How can I report a lost or stolen debit card?

    You can report your lost or stolen Old National debit card 24-hours a day by calling 1-800-731-2265, option 2, in the US. If you are outside of the US, call 1-812-422-2197. We can cancel or restrict your debit card, check for unauthorized transactions and order a new debit card for you.

    If you notice unauthorized activity on your debit card through Online and Mobile Banking, you can turn your card off right away with the Card Controls feature in Online Banking and the Mobile App.

    Even if you use Card Controls to turn off your debit card, you should still contact us at 1-800-731-2265 to report the unauthorized activity on your card and obtain a new one.