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INB Addresses Escalating Escrow Payments Due to Increased Insurance and Property Taxes

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SPRINGFIELD, Ill., Oct. 25, 2024 /PRNewswire/ — INB, N.A., a locally owned bank and leading Central Illinois provider of escrow services to mortgage customers, is addressing rising concerns over increased mortgage payments stemming from higher homeowner insurance premiums and property taxes. As these costs continue to climb, customers are experiencing significant impacts on their monthly payments, prompting an increase in inquiries to INB’s mortgage operations.
“Our customers are understandably upset,” said Steven Day, AVP, Loan Servicing Manager at INB. “We’ve seen instances where mortgage payments have increased by as much as $939 a month. It can be a substantial burden for many homeowners.”

Day highlighted that these rising costs are affecting everyone, leaving limited options for customers seeking relief. INB advises homeowners to explore alternatives such as shopping for a different insurance carrier or appealing their property tax assessments with their local county. However, either option might not change things. Homeowner insurance rates in Illinois have increased 20 to 30% in the last 12 months, and tax appeals often provide disappointing results.

Day notes that while some individuals might drop their escrow accounts in response to these hikes, it’s crucial for homeowners to plan for their tax and insurance payments to avoid financial strain.

“An escrow account remains a practical way to manage these payments by saving incrementally over time,” Day said. “We are strong proponents of escrow because it helps ensure these expenses are covered.”

Mortgage Operations support staff report that 75% of their calls are now related to escrow, a significant jump from previous levels. Customers often express frustration over the increased costs, with customers even being brought to tears. Loan officers (LOs) at INB are working closely with customers to explore all available options, says Day, including spreading shortages over multiple years. But Day cautions: “This approach only extends the repayment period rather than reducing the overall burden.”

In some cases, homeowners have managed to offset the increase by dropping Private Mortgage Insurance (PMI). They’re able to do this because, as most new appraisals show, home values are increasing. Once a customer has 20% equity in a home, they are no longer required to carry PMI. The average cost of PMI insurance is 0.46 to 1.5 percent of the loan amount, according to the Urban Institute.

“We provide services to over 6,000 mortgage loans, and our goal is to support our customers through these challenging times,” Day emphasizes. “It’s important to remember that while there may be some options to explore, it’s important to have adequate insurance coverage and plan for property tax payments.”

INB encourages all customers to stay informed and reach out to their mortgage lenders for guidance and support in navigating changes.

About INB
About INB, N.A. – INB is a privately owned national bank. Founded in 1999 in Springfield, IL, the bank offers both personal and commercial banking products and wealth services in Central Illinois. The bank also provides commercial banking services in Missouri and Florida. INB is a trusted provider of escrow services, supporting over 6,000 mortgage loans.

View original content to download multimedia:https://www.prnewswire.com/news-releases/inb-addresses-escalating-escrow-payments-due-to-increased-insurance-and-property-taxes-302287408.html

SOURCE INB, N.A.

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Award-Winning Elevate Digital Launches AI-Enabled Proprietary Platform Suite Designed to Compound Transformation Value

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Five-time Inc. 5000 honoree turns technology, delivery intelligence, and a disciplined operating model into a smarter foundation for every client engagement

CHARLOTTE, N.C., July 23, 2026 /PRNewswire/ — Elevate Digital, an award-winning, people-first transformation partner combining consulting, talent, and technology, today introduced a proprietary platform suite designed to make every client engagement faster, smarter, and more valuable than the last.

“Transformation should compound value, not recreate effort,” said Adam Morgan, CEO of Elevate Digital.

The suite brings together proprietary platforms and a growing library of delivery playbooks, all guided by a single disciplined method. Together, they convert Elevate’s experience and AI-enabled delivery capabilities into a repeatable client advantage, reducing the need to rebuild solutions, processes, and knowledge from zero.

Elevate Experience Platform™, Elevate Web Engine™, and Elevate Loyalty Platform™ provide reusable foundations for connected, AI-native customer experiences, governed multi-brand web delivery, and loyalty program transformation. Built into broader engagements, not sold as standalone software, Elevate platforms are maintained and improved alongside each client. If a client chooses to bring the technology in-house. Clients leave with the technology, not the lock-in.

With the Elevate Intelligence Platform™, AI-enabled delivery improves our services. Better outcomes become reusable intelligence.

Every engagement runs through a single disciplined method that aligns on outcomes and decision rights before any build, keeps training and change management support alongside the work so teams adopt what launches, and carries reusable IP into the next value case.

“Transformation should compound value, not recreate effort,” said Adam Morgan, CEO of Elevate Digital. “We built this suite so every engagement starts smarter, moves faster, and leaves the client stronger. AI is not an add-on. We apply it where it creates real velocity, better decisions, and measurable hard-dollar ROI.”

Adoption is our ROI: people-first, technology transformation tied to measurable outcomes, every engagement, every time.

About Elevate Digital

Elevate Digital is a people-first, technology-led business transformation firm that aligns strategy, AI, platforms, and people. Elevate solves the problems that stall transformation: fragmented customer journeys, outdated systems, missing data foundations, stalled AI adoption, unrealistic timelines, and projects that never launch. Platform-agnostic and focused on the people who use the technology, Elevate builds change management and organizational development into the work from day one through disciplined delivery, hands-on support, AI-enabled tools, and embedded resources, turning change into measurable value. Elevate’s approach has earned W3 and Davey Awards forunifying 15 brand sites on one scalable platform, preserving search performance, accelerating content updates by 35%, and driving nearly 100% team adoption within 60 days.

Elevate is a five-time consecutive Inc. 5000 honoree.

Learn more at Elevate-Digital.com .

Media Contact

Victoria Valentine

Brand & Content, Elevate Digital

victoria.valentine@elevate-digital.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/award-winning-elevate-digital-launches-ai-enabled-proprietary-platform-suite-designed-to-compound-transformation-value-302833563.html

SOURCE ELEVATE DIGITAL

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Award-Winning Elevate Digital Launches AI-Enabled Proprietary Platform Suite Designed to Compound Transformation Value

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Five-time Inc. 5000 honoree turns technology, delivery intelligence, and a disciplined operating model into a smarter foundation for every client engagement

CHARLOTTE, N.C., July 23, 2026 /PRNewswire/ — Elevate Digital, an award-winning, people-first transformation partner combining consulting, talent, and technology, today introduced a proprietary platform suite designed to make every client engagement faster, smarter, and more valuable than the last.

“Transformation should compound value, not recreate effort,” said Adam Morgan, CEO of Elevate Digital.

The suite brings together proprietary platforms and a growing library of delivery playbooks, all guided by a single disciplined method. Together, they convert Elevate’s experience and AI-enabled delivery capabilities into a repeatable client advantage, reducing the need to rebuild solutions, processes, and knowledge from zero.

Elevate Experience Platform™, Elevate Web Engine™, and Elevate Loyalty Platform™ provide reusable foundations for connected, AI-native customer experiences, governed multi-brand web delivery, and loyalty program transformation. Built into broader engagements, not sold as standalone software, Elevate platforms are maintained and improved alongside each client. If a client chooses to bring the technology in-house. Clients leave with the technology, not the lock-in.

With the Elevate Intelligence Platform™, AI-enabled delivery improves our services. Better outcomes become reusable intelligence.

Every engagement runs through a single disciplined method that aligns on outcomes and decision rights before any build, keeps training and change management support alongside the work so teams adopt what launches, and carries reusable IP into the next value case.

“Transformation should compound value, not recreate effort,” said Adam Morgan, CEO of Elevate Digital. “We built this suite so every engagement starts smarter, moves faster, and leaves the client stronger. AI is not an add-on. We apply it where it creates real velocity, better decisions, and measurable hard-dollar ROI.”

Adoption is our ROI: people-first, technology transformation tied to measurable outcomes, every engagement, every time.

About Elevate Digital

Elevate Digital is a people-first, technology-led business transformation firm that aligns strategy, AI, platforms, and people. Elevate solves the problems that stall transformation: fragmented customer journeys, outdated systems, missing data foundations, stalled AI adoption, unrealistic timelines, and projects that never launch. Platform-agnostic and focused on the people who use the technology, Elevate builds change management and organizational development into the work from day one through disciplined delivery, hands-on support, AI-enabled tools, and embedded resources, turning change into measurable value. Elevate’s approach has earned W3 and Davey Awards forunifying 15 brand sites on one scalable platform, preserving search performance, accelerating content updates by 35%, and driving nearly 100% team adoption within 60 days.

Elevate is a five-time consecutive Inc. 5000 honoree.

Learn more at Elevate-Digital.com .

Media Contact

Victoria Valentine

Brand & Content, Elevate Digital

victoria.valentine@elevate-digital.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/award-winning-elevate-digital-launches-ai-enabled-proprietary-platform-suite-designed-to-compound-transformation-value-302833563.html

SOURCE ELEVATE DIGITAL

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In HelloNation, Criminal Defense Attorney Ed Weinstock Explains DUI Penalties And What To Know About A New Jersey DUI

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The article outlines how blood alcohol level, criminal charges, and court decisions affect license suspension and other consequences.

ATLANTIC CITY, N.J., July 23, 2026 /PRNewswire/ — How are DUI penalties determined in New Jersey, and what factors influence the outcome? HelloNation has published an article featuring Criminal Defense Attorney Ed Weinstock of Weinstock Defense that explains how a New Jersey DUI is evaluated, including how blood alcohol level, criminal charges, and court decisions shape the penalties individuals may face.

The HelloNation article explains that DUI penalties in New Jersey depend on several key factors. These include prior offenses, blood alcohol level at the time of arrest, and whether the incident involved injuries or property damage. Courts review each case carefully to determine appropriate consequences.

For a first-time New Jersey DUI, the article notes that penalties often include license suspension, fines, and required participation in alcohol education programs. Ignition interlock devices may also be required depending on the circumstances. These penalties are influenced by the driver’s blood alcohol level and behavior during the incident.

The article describes how repeat offenses lead to more serious outcomes. DUI penalties increase with each additional conviction, and courts may impose longer license suspension periods, higher fines, and possible jail time. Criminal charges become more severe when prior violations, accidents, or high blood alcohol levels are involved.

Court decisions are based not only on legal standards but also on the specific details of each case. The article explains that judges consider factors such as the presence of minors in the vehicle, evidence of reckless driving, and whether the incident caused harm. These details help determine the severity of DUI penalties.

Administrative consequences are also an important part of a New Jersey DUI. The article explains that the Motor Vehicle Commission may impose license suspension and other sanctions separate from court decisions. These administrative actions are often based on blood alcohol level and prior offenses, making it important to understand both processes.

Participation in alcohol education programs or treatment is another factor discussed in the article. Courts may require completion of these programs, and compliance can influence sentencing outcomes. The article notes that demonstrating responsibility through participation may affect how judges view a case.

The article also highlights long-term consequences beyond immediate DUI penalties. It explains that a New Jersey DUI can impact insurance rates and future employment opportunities. Courts take these broader effects into account and may consider efforts toward rehabilitation when making decisions.

Another key point involves how evidence is reviewed. The article explains that police procedure during the stop and arrest is closely examined. This includes field sobriety tests and chemical testing used to determine blood alcohol level. Criminal Defense Attorney Ed Weinstock is featured for providing insight into how legal counsel evaluates these details to protect legal rights.

Legal counsel plays a central role throughout the process. The article explains that attorneys help individuals understand criminal charges, evaluate evidence, and navigate court decisions. Criminal Defense Attorney Ed Weinstock provides insight into how attorney guidance supports individuals facing DUI penalties and helps them respond effectively.

The article concludes that understanding DUI penalties requires awareness of both legal and administrative consequences. Factors such as blood alcohol level, prior offenses, and compliance with court requirements all influence outcomes. Being informed allows individuals to make better decisions and approach the process with clarity.

Understanding New Jersey DUI Laws and Penalties features insights from Ed Weinstock, Criminal Defense Attorney of Atlantic City, New Jersey, in HelloNation.

About HelloNation
HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused publications and innovative “edvertising” approach, HelloNation delivers content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

View original content to download multimedia:https://www.prnewswire.com/news-releases/in-hellonation-criminal-defense-attorney-ed-weinstock-explains-dui-penalties-and-what-to-know-about-a-new-jersey-dui-302833571.html

SOURCE HelloNation

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