In this episode, estate planning expert Josie Chavez sharesessential insights on how homeowners can protect their assets, avoid probate, and ensure a smooth inheritance process through trusts. Perfect for anyone owning property or planning their estate.

Chapters

01:41 The Importance of Living Trusts for Homeowners

02:39 Consequences of Dying Without a Trust

03:37 Misconceptions About Trust Control

05:06 Selling Property in a Trust

06:29 Revocable vs. Irrevocable Trusts

07:00 Trusts and Incapacity Protection

08:53 Proposition 19 and Property Tax Implications

09:46 Common Estate Planning Mistakes

10:38 Understanding Trusts and Their Funding

11:43 The Simplification of Property Transfer

12:20 Estate Planning for Real Estate Investors

13:16 Overcoming Hesitations in Trust Creation

15:05 The Importance of Trusts for Everyone

16:30 Wills vs. Trusts: Key Differences

20:17 Reviewing and Updating Your Trust

20:58 First Steps in Estate Planning

23:13 Consultation and Pricing for Trusts

24:17 Next Steps After a Trust Owner Passes

Guest 

Josie Chavez

Estate Planning

The Financial Architects. 

951.314.8953 C 

[email protected]

If you have a question, we'd love to hear from you.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone  (DRE 02247104)

310-871-4144

[email protected]

Rosa Ortiz ( DRE 01484772) 

951-500-8783

Website: Homesbyrosaortiz.com

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

Ryan Shultz from New American Funding shares comprehensive insights into VA loans, including eligibility, benefits, misconceptions, and the process for veterans and their families. This episode is a must-listen for veterans considering homeownership and real estate professionals working withVA loan clients. Ryan also introduces the NAFCash program, an innovative financing solution that can help eligible home buyers submit more competitive offers in today's fast-moving real estate market.

Chapters

00:00 Introduction and Setup Challenges

04:31 Understanding VA Loans

05:30 Eligibility and Advantages of VA Loans

12:00 Financial Aspects of VA Loans

18:07 Application Process and Common Misconceptions

22:03 VA Loan Assumptions and Inheritance

34:59 Conclusion and Additional Topics

35:56 NAFCash Loans and Closing Remarks

Guest 

Ryan Shultz 

Area Manager | Glendora Branch 

New American Funding 

NMLS# 255668

626.991.1368 C 

Email: [email protected]

https://www.newamericanfunding.com/branches/glendora

If you have a question, we'd love to hear from you.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone  (DRE 02247104)

310-871-4144

[email protected]

Rosa Ortiz ( DRE 01484772) 

951-500-8783

Website: Homesbyrosaortiz.com

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

In this episode Isabel Machrone and Rosa Ortiz sit down with Krystal Hernandez an insurance expert to discuss the challenges and opportunities facing California homeowners today. From rising premiums and wildfire risks to finding coverage and understanding your options. It's what every homeowner and homebuyer needs to know. Whether you're purchasing your first home, renewing your policy, or simply trying to stay informed, you'll walk away with practical tips, current market trends, and expert advice to help protect one of your biggest investments.

Guest 

Krystal Hernandez 

Somos Insurance Solutions

Licensed in CA & AZ 

951.270.4027 Office 

[email protected]

 www.insurancewithsomos.com

If you have a question, we'd love to hear from you.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

We're breaking down the truth about credit repair, common mistakes to avoid, and the practical steps you can take today to put yourself on the path to homeownership. Whether you're just starting your journey or rebuilding your credit, this episode will help you understand what lenders look for and how to prepare for buying a home.

Timestamps:

(0:00) Introductionto the panel and overview of the credit repair landscape

(3:15) How creditscores are assessed and the importance of timing in credit repair

(8:20) The effectsof paying off credit cards and managing revolving and installment loans

(15:35) Habits toavoid immediately to prevent damaging credit

(22:45) Thesignificance of late payments and how they impact credit scores devastatingly

(30:00) Effect ofclosing credit cards and preserving account history

(36:00) Strategiesfor establishing new credit with minimal risk

(44:00) Monitoringcredit scores effectively without overchecking

(50:25) Differencesbetween various credit scores and reports

(58:15) The role ofnon-traditional data, e.g., rent, phone, and utility payments

(66:00) Theimportance of protecting oneself from credit scams

(70:00) Specialconsiderations: credit when passing away and estate planning

(72:00) Resources,contact info, and expert advice for credit repair assistance

Guest 

David Lopez 

CEO

CredStart

323.375.5777 Cell 

[email protected]

https://www.credstart.com

If you have a question, we'd love to hear from you.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

In this episode, we’re with mortgage expert Paul Gehres from True Prime Mortgage to explore how grants can help homebuyers in SouthernCalifornia. Discover who qualifies, how these grants work, and how they can make homeownership more accessible.

Guest 

Paul Gehres

Account Executive 

(949) 237-7395 Cell 

[email protected]

Asistencia en Español

Victor Cuevas 

323 810 -9568 Cell 

949 892-1801 Office 

[email protected] 

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

In this episode, real estate professionals Isabel Machroneand Rosa Ortiz interview home inspector Joseph Lang from Pillar to Post. Theydiscuss critical home inspection insights, red flags, and tips for buyers andsellers to avoid costly mistakes during the home buying process.

Guest 

Joseph Lang 

The Lang Team

Pillar To Post

909-989-5114

Email: [email protected]

www.pillartopost.com/LangTeam

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

International Association of Certified Home Inspectors -https://www.ashi.org/

American Society of Home Inspectors - https://www.ashi.org/

California Real Estate Inspector Association -https://www.careia.org/

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772

Keller Williams College Park

DRE # 02200120

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

In this episode, real estate professionalsIsabel Machrone and Rosa Ortiz interview Janet von Lutzow-Schoonyan from WFG National Title to explore the crucial role of title insurance and the behind-the-scenes work of title companies in real estate transactions. They discuss common title issues, the importance of thorough title searches, and how to protect buyers and sellers from potential pitfall and protect their property investment.

Guest 

Janet von Lutzow-Schoonyan

Area Manager

WFG National Title Company

O:800.252.9106

[email protected]

Wfgtitle.com/janet

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

Discover the intricacies of non-QM loans from industry expert Sal Ortiz, as he clarifies common misconceptions, benefits, and real-world applications. Whether you're a homebuyer, investor, or real estate professional, learn how these flexiblefinancing options can open doors to new possibilities.

• The fundamentaldifferences between non-QM and traditional mortgage loans
• How interest rateson non-QM loans compare to conventional loans
• The ideal candidatesand scenarios for utilizing non-QM financing
• Creative approachesfor self-employed borrowers and gig workers
• The advantages offlexible income verification like bank statements and profit & lossstatements

• Commonmisconceptions: Are non-QM loans risky or outdated?
• Steps to qualify andwhat credit scores are needed
• The impact of recentmarket trends and interest rate fluctuations
• Tips for real estateagents on navigating non-QM transactions

Guest 

Sal Ortiz Jr 

Mortgage Advisor | NMLS# 564250

Cell:310-902-7451 | Fax: 888-511-2552

Email: [email protected] 

EZ FUNDINGS HOME LOANS

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Request - Homeowners Seller Guide 

Email: [email protected]

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772

Keller Williams College Park

DRE # 02200120

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

In this comprehensive interview, Kadie Baldwin from TitanEscrow shares invaluable insights into the escrow process, highlighting key milestones, common issues, and best practices perfect for first-time buyer and home seller.Guest 

Kadie Baldwin   

Titan Escrow 

Sr. Escrow Officer   

[email protected]  

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Resources

Home Buyer Guide

https://homesbyrosaortiz.com/lets-talk-socal-real-estate 

Website: 

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone - DRE #02247104

Rosa Ortiz  - DRE #01484772)

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.

Unlocking Homeownership for Medical Professionals: Special Loan Program

In this episode, we explore a game-changing home loan program tailored for medical professionals, designed to improve access to homeownership despite high student debt or credit challenges. Join us as our mortgage expert, Joni Kapedani, shares insights on eligibility, benefits, and the application process. Whether you're a doctor,nurse, or other healthcare worker, discover how these programs can make your real estate dreams achievable.

Key Topics:

• Overview of medicalprofessional home loan programs
• Benefits of nomortgage insurance with low or no down payment
• Eligibility criteriaand necessary documentation
• How student loandeferment impacts qualification
• Income andemployment requirements for new graduates
• Loan limits andmaximum purchase price (up to $2 million)
• Flexible termsincluding 15, 20, 25, or 30-year options
• Application processand turnaround time for pre-approval
• The importance ofworking with in-house underwriters and scenario desks
• Market trends andsuccess stories from recent clients

Connect with Joni Kapedani:

JONI KAPEDANI

Loan Officer | NMLS # 1903367

EZ Fundings, Inc. NMLS # 1156892

[email protected]

909-646-0636

Home Buyer Seller Guide 

https://homesbyrosaortiz.com/lets-talk-socal-real-estate

If you have a question, we'd love to hear from you or answer them on an upcoming episode.

Email: [email protected]

Website:

Isabel Machrone ⁠https://isabelmachrone.kw.com⁠

Rosa Ortiz ⁠https://homesbyrosaortiz.com⁠

Join the Let's Talk SoCal Real Estate Facebook Group

⁠https://www.facebook.com/groups/945241848313412⁠

Produced by Isabel Machrone

Isabel Machrone  (DRE #02247104)

Rosa Ortiz ( DRE #01484772) 

Isabel Machrone and Rosa Ortiz are licensed real estate agents with Keller Williams College Park. Each Keller Williams office is independently owned and operated.

The information shared in this podcast is for informational and entertainment purposes only and reflects our personal opinions and experiences. It should not be considered legal or financial advice.

We make no guarantees regarding accuracy, timelines, or results. We always recommend consulting with licensed professionals and doing your own research before making any real estate decisions.