Representatives from Old National Bank were today's presenters.  Joannette Cintron, Community Development Officer and loan officer Rhonda Mann provided an overview of Old National's unique focus on supporting the local community.  Based in Indiana,, they are located in 5 states, including 31 locations in Minnesota.  Old National represents a merger of former Anchor and Klein banks and has a "deep history of service, strength and stability".  While engaging in lending of all sorts, they have a special focus on helping support first time home buyers.  While most of us think of needing a minimum of 20% down when obtaining a home mortgage, Old National helps buyers get into a first home with as little as 3% down.  They access funds through FHA, VA, Fannie Mae, and an in-house product they have created for those with low credit scores.  Those with incomes of up to $82K per year can qualify for these products.  Joannette also spoke of a new program they are embarking upon which will provide mentorship opportunities for people with disabilities, aimed at helping them enter the workforce and asked that any of us who might be interested in assisting tlet them know.