RSS

Let Your Home Fund Your Dreams! đŸš—âœˆïžđŸ đŸ’°

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

Read

Property taxes are due! Make sure to pay otherwise the late fees are frightful! đŸ‘»

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!

Read

Who are you gonna call? đŸ‘»â˜ŽïžđŸ‘©â€đŸ’Œ

Making decisions about your home can feel like a big deal—whether you're dreaming of a new bathroom, adding an ADU, or thinking about buying a second home. But guess what? You don't have to navigate these choices alone! If you're on the hunt for a contractor or need some advice on your next project, give me a call. We’ll connect you with trusted contractors and pros who can bring your vision to life and offer our advice —without the hefty fees of an attorney— to help you avoid any decisions that might impact your property’s value.
Make sure to keep me as a key contact on your phone and speed dial for those important decisions. Don’t go at it alone—use our knowledge and experience at your advantage.  Let us be your trusted resource, helping you make the best choices for your home and future. We’re here to ensure your journey is as smooth as possible. Reach out to us anytime—we can't wait to chat with you!

Read

Things Are Looking Different Around Here! 🏡🌟

Big news in the real estate world—soon, commission details won’t be listed directly on the MLS anymore. Instead, we’ll be using new forms to handle this information. This change is all about making things clearer and more streamlined, so everyone knows exactly what to expect without any added confusion. But don’t worry, the core of how we buy and sell homes remains unchanged, so you’ll still get the top-notch service you’re used to!
The new forms are designed to simplify the process and enhance transparency. Whether you’re hunting for your dream home or gearing up to sell, you’ll find that while the paperwork might look a bit different, the exceptional care and expertise of your real estate team will stay the same. This update is all about making your experience smoother and more straightforward, so you can focus on finding the perfect place or getting the best deal. Here’s to making real estate transactions easier and even more enjoyable!

Read

Just Say No! Don’t fall into the trap of making upgrades that won’t add value to your home!

Homeowners often fall into the trap of making upgrades they think will add value, but sometimes these changes turn out to be unnecessary and even problematic when it’s time to sell. Take solar panels, for example. They’re fantastic for the environment and can slash your utility bills, but they don’t always increase your home’s resale value. We’ve seen situations where potential buyers are hesitant to take on the financial responsibility of solar panels, especially if they’re leased or financed. This can lead to complications and delays in selling your home, making it a less attractive option for buyers.
So, what’s the best way to avoid these pitfalls? Talk to the pros! Consulting with real estate agents and experts can give you a clear picture of whether purchasing or leasing solar panels is the right move. They can help you understand the financial ins and outs and what buyers are looking for. Remember, it's all about finding the right balance between making your home more appealing and ensuring it remains marketable.

Reach out to us anytime— we're here to help you make the best decisions for your home and your future!

Read

There’s no better time to prepare than now! Ways to prepare your home, business, and loved ones from a wildfire.

Prepare Your Home for a Wildfire

Home Maintenance: Regularly clean gutters, trim tree limbs near your home, ensure smoke alarms work, and keep fire extinguishers operational. Make sure escape ladders are accessible.

Landscaping: Use fire-resistant shrubs and trees, and create firebreaks with rocks and flower beds. Maintain defensible space zones free of brush and trees, especially on hills.

Be Prepared: Prepare a survival kit, an evacuation plan, and a home inventory. Consider fire-resistant materials when remodeling.

Prepare Your Business

Maximize Fire Resistance:

  • Use noncombustible materials for exterior walls, roofs, and gutters.

  • Install dual-paned windows or fire shutters, metal mesh screening over vents, and spark arrestors on chimneys.

  • Consider exterior fire sprinklers.

Prepare:

  • Keep fuel-powered fire pumps ready and test them regularly.

  • Inventory equipment and store important documents offsite or in a fire-rated safe.

  • Create an emergency contact list and communication plan.

  • Maintain accessibility for fire department equipment and develop emergency shutdown procedures.

  • Develop a business continuity plan and monitor local conditions for early evacuation.

As a Wildfire Approaches

Monitor Conditions: Stay updated on local news and follow evacuation instructions. Review emergency plans and designate a meeting place. Store emergency numbers on mobile phones.

Prepare, if Possible: Close windows, doors, blinds, and shut off utilities. Ready your vehicle with a full fuel tank and keys handy.

During a Wildfire

Heed Evacuation Instructions: Evacuate immediately if advised. Wear protective clothing and take a wet towel for your face. Follow your evacuation plan with your survival kit.

Business Evacuation Plan

  • Have a documented and communicated evacuation plan with multiple escape routes.

  • Practice the plan and account for all employees.

  • Follow emergency shutdown procedures and close all vents, windows, and doors. Shut off gas and fuel supplies.

After a Wildfire

Await the “All Clear”: Check with officials before re-entering. Look for hot spots and check for sparks and embers. Dispose of any food or medication exposed to smoke or fire.

Business Wildfire Recovery

  • Follow OSHA's Wildfire: Response/Recovery guidelines.

Other Considerations:

  • Contact local fire departments and agencies for fire laws, building codes, and prevention measures. Look for grants and resources to reduce wildfire risk.

Read