Reverse Mortgage

• Pay off an existing mortgage to free up monthly cash flow

• Supplement other retirement incomes

• Make home renovations or modifications

• Purchase your next retirement home

Last year, Russell Doi helped me get a reverse mortgage. Working with him was comfortable and easy. I never felt pressured but always felt supported. My situation was a little complicated, but Russell was patient & made sure all the details and deadlines for the best rates were met. I’m also pleased that I can still contact Russell with questions or concerns as I move forward into my golden years.

*Borrower must maintain home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees. Mutual of Omaha Mortgage, Inc., NMLS 1025894. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - California License 4131356. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. #607449994

By Jesssica Wright

So, you're driving along, carefree, and it happens: that scary "check engine" light pops up on your dash. Should you pull over? Should you run for cover? What's going on?

What A Check Engine Light Can Mean

What does this mean? Truth be told, just the light popping on doesn't really give you a lot of information. However, you don't immediately have to pull over (unless the light is flashing - we'll talk about that later). Do get the car checked as soon as you possibly can, though, since some of the causes of a check engine light can cause severe damage if left unchecked.

Summary

Based on this information, you may be tempted to drive around with the check engine light on for a while. Don't give in to this temptation! This could be costly, and/or become a safety hazard, especially if you don't know the nature of the problem. As with many things in life, if you take care of the smaller problem now, it will often be less costly in the long run. And, it is less likely to leave you stranded at an inopportune time!

Dear Neighbors, Friends, and Clients, Happy New Year and Happy Lunar New Year! 2022 has been an amazing year! Our Ponytail Team had the opportunity to help over 80 families to achieve their real estate goals. We also had our successful client/friend Pie Giveaway Appreciation Event at Marina Bay Yacht Harbor. In addition, we had the opportunity to support many of the local charities in our community. The direction of the 2023 Real Estate Market continues to be ebatable. Some expect a bright market for Sellers, and others expect it to be more of a Buyer's market. The driving forces are the coming direction in interest rates and the job market. Time will tell. As always, if you have any questions, or if you just want to talk more about our local real estate market, I am just a phone call away. ing you all the best and looking forward to working with you on your real estate goals in 2023!

Offers services for planning ahead related to the mortuary. Many people purchase their cemetery property, plan their estates, etc. But they do not plan for the inevitable... planning ahead saves a great deal of grief and often the burden placed on family members who have to make hard decisions during an already difficult time. Planning ahead also locks into today’s costs and offers comfortable payment options.