Is Your Home Working for You?
With home values on the rise, many homeowners now have an exciting opportunity to tap into their home's equity through a Home Equity Line of Credit (HELOC). This flexible financial tool lets you borrow against the equity in your home, providing a line of credit that can be used for more than just home improvements.
Whether it’s funding a new car, investing in rental property, or even taking that dream vacation, a HELOC offers a low-interest alternative to other loans. Why dip into your savings when your home’s value can help fund your dreams? A HELOC lets you access cash while keeping your savings intact, giving you peace of mind and more financial flexibility. Plus, if you use the funds for home improvements, you might even enjoy some tax benefits! With home values climbing, now is the ideal time to explore how a HELOC can help you reach your financial goals.  And there’s no better guide than Marisol Cortez, our top HELOC expert, Branch Manager with Financial Partners Credit Union, and the best lender in town. Reach out to her for personalized support and all the details you need! 

Marisol Cortez BRANCH MANAGER NMLS # 1422773 424.403.6991 Phone mcortez@FPCU.org fpcu.org/marisol

Step into a world of charm and modern comfort with this beautifully updated 2-bedroom, 1-bathroom home, nestled in a friendly, sought-after neighborhood. From the moment you arrive, the inviting entryway with a rich Brazilian Mangaris ranch-style hardwood fence sets the tone for all this home has to offer. Inside, a newly remodeled kitchen and bathroom shine with top-of-the-line finishes. The kitchen features quartz countertops, custom shaker cabinets, Brizo fixtures, and waterproof LVT flooring for both style and durability. Triple-pane windows and doors throughout keep the home serene, blocking out noise and creating peaceful spaces in every room. Solid wood craftsman interior doors add an elegant touch, while Dutch-style doors in the kitchen and entry invite refreshing breezes, perfect for cool transitional seasons. The spacious bathroom exudes luxury with a granite and marble composite countertop and a beautifully tiled shower. For year-round comfort, the home boasts central air and heat, a 2-speed attic fan, and a radiant barrier in the roof with attic insulation, ensuring consistent temperatures, even on the hottest summer days. Outdoors, prepare to be WOWED by your private oasis: a sparkling saltwater pool with a sleek black plaster bottom, Baja deck, and shaded lounging area. The recently installed "Cool Deck" material keeps poolside lounging comfortable, lowering surface temperatures by up to 10 degrees. High-end automated pool equipment with Bluetooth controls and a powerful heater that warms the spa in just 30 minutes make this space perfect for entertaining or unwinding after a long day. For hobbies, storage, or a creative workspace, there’s a separate 200-square-foot weatherproof shop behind the garage with an epoxy floor. Parking is easy with a double-wide driveway for two cars, and the driveway gate accommodates an RV up to 32 feet, complete with a secure keyless cypher lock. The lush landscaping, maintained by an automated sprinkler and drip system, frames the home beautifully. Landscape lighting enhances the serene ambiance in the evenings. Practical touches like the dedicated sub-panel in the garage and pool equipment add reliability to this charming home. With easy access to shopping, parks, and schools, this home is perfect for all—and ready to be yours!

Check it out on Youtube: https://youtu.be/_cIRczjkAxI

Welcome to this charming 4-bedroom, 2-bathroom home in the highly sought-after Dutch Haven America neighborhood of Huntington Beach. Spanning 1,600 sq ft on a 6,229 sq ft lot, this home offers a perfect blend of comfort and style. As you enter, you'll be greeted by beautiful hardwood floors and a cozy, step-down living room featuring a fireplace—ideal for relaxing evenings. The open dining area seamlessly flows into the spacious kitchen, which includes a breakfast bar, double oven, and ample counter space, perfect for both daily meals and entertaining. The front-facing primary bedroom features dual closets, while three additional bedrooms provide plenty of flexibility for family, guests, or a home office. The primary bathroom includes a double-sink vanity and a shower with tile walls. Outside, enjoy the expansive front and back yards, offering plenty of room for outdoor activities or simply unwinding. The detached 2-car garage and interior laundry room add convenience to your daily routine. With its unbeatable location and comfortable living space, this home is ready for you to move in and make it your own!

Check it out on Youtube: https://youtu.be/UxduCtq1wCs

Halloween may have just passed, but don’t let your guard down—property tax deadlines can creep up when you least expect them! With the first installment due November 1st, now’s the time to handle those payments before you’re haunted by penalties. If you miss the December 10th deadline, you’ll be in for a frightful 10% late fee—no tricks, just a costly reminder to get your finances in order before those fees start lurking.
If your tax bill has not arrived by early November, it's crucial not to let it slip from your attention. Don't hesitate to reach out to your county tax collector—it's a great way to make sure all your details are accurate and current. Taking this proactive step can save you from any surprise headaches later on. So, grab a calendar, mark those important deadlines, and set some reminders to keep yourself organized. You definitely want to avoid late fees, especially with the holiday season approaching and all the expenses that come with it!