Beatriz Pico, United Federal Credit Union Mortgage Advisor - NMLS # 418968

06/25/2026

💡 Mortgage Term of the Week: Down Payment

One of the biggest misconceptions I hear is that you need 20% down to buy a home… and that’s simply not true!

A down payment is the amount you contribute toward the purchase of your home. The amount required depends on the loan program, your financial goals, and your unique situation. Some loan programs require as little as 0% to 3% down for qualified buyers.
Every homebuying journey is different, and understanding your options is the first step toward homeownership.

Have questions about down payment requirements or want to see what loan programs you may qualify for? I’d love to help!

📍 Beatriz Pico | Mortgage Advisor�📞 775-276-9269�📧 [email protected]�🌐 unitedfcu.com/beatriz-pico�📍 1430 E. Prater Way, Sparks, NV 89434�NMLS #418968

🏡 Let’s make your homeownership dreams a reality!

06/25/2026

💡 Did you know? The cost of moving into a rental can be just as much—or even more—than the down payment on your very own home!
When you add up:�🏠 First month’s rent�🏠 Last month’s rent�🏠 Security deposit�🏠 Pet deposits�🏠 Moving expenses�🏠 Utility deposits
…you may be surprised to learn that those upfront costs could equal what it takes to purchase a home.
If you’ve been renting because you think buying isn’t within reach, it may be time to explore your options. There are many loan programs available that require little to no down payment, and you might be closer to homeownership than you think!
Let’s have a conversation about your goals and see what options are available for you. Your dream of owning a home could be closer than you realize!
📞 Beatriz Pico | Mortgage Advisor�🏡 NMLS #418968�📱 775-276-9269�📧 [email protected]�🌐 unitedfcu.com/beatriz-pico

You finally found the right rental. But what will it really cost to move in? 🏠

Beyond monthly rent, a typical move into a two-bedroom Nevada rental can include application fees, background check fees, a security deposit, and utility deposits for electric, gas, water, and phone or internet service. Together, these upfront costs can reach nearly $4,000 before you even unpack.

These expenses can be especially challenging for individuals and families with lower incomes, which is why supportive programs and resources that help reduce these costs matter so much in our communities. 💙

Click the link to see a detailed example and explore renter resources that can help you plan your next move with more confidence:
[LINK] https://www.myhousingsearch.com/tenant/education/MovingCostExample.html?ch=NV

06/23/2026

Some fun activities in our area! Do you know what else would be a super fun activity? Coming to see me to get you pre-approved for a home. 😉🏡

06/22/2026

Helping our Members feel confident about their financial picture is what it’s all about.

With SavvyMoney in the United app, Members can monitor their credit score, understand what’s impacting it, and take next steps, all in one place.

Monitor your credit score, understand what impacts it, and get personalized tips, all within digital banking. Build confidence and take control of your finances.

06/21/2026

💙🏡 Happy Father’s Day! 🏡💙

Today we celebrate all the incredible dads, stepdads, grandfathers, and father figures who provide strength, guidance, love, and support every day. Thank you for all that you do for your families and communities.

As a Mortgage Advisor, I have the privilege of helping families build a strong financial future through homeownership. Whether you’re buying your first home, refinancing, investing, or simply exploring your options, I’m here to help every step of the way.

🏠 First-Time Homebuyer Programs
🔑 Pre-Approvals & Purchase Loans
💰 Refinance Options
📈 Investment Property Financing
⭐ Personalized Local Service

Wishing all the amazing fathers a day filled with love, appreciation, and unforgettable memories with the people who matter most.

📞 Beatriz Pico | Mortgage Advisor
📱 775-276-9269
📧 [email protected]
🆔 NMLS #418968

💙🏠👨‍👧‍👦

06/21/2026

06/05/2026

🏡✨ What a Month of Blessings and New Beginnings! ✨🏡

May was an incredible month filled with smooth closings, happy homeowners, and exciting opportunities for families throughout Northern Nevada!

From helping members purchase beautiful homes, to assisting clients with land purchases for future dream homes, every transaction represented a goal achieved and a dream coming to life. Seeing these smiling faces and successful closings reminds me exactly why I love what I do.

Whether you’re looking to:
🏠 Buy your first home
🏡 Upgrade to your forever home
🌄 Purchase land and build your dream home
💰 Refinance to consolidate debt, improve your home, or potentially lower your monthly payment

I’m here to help every step of the way!

A heartfelt thank you to all of my members, referral partners, real estate agents, family, friends, and coworkers who continue to trust me with one of the biggest financial decisions of their lives. Your support means everything to me! ❤️

📞 Thinking about buying or refinancing? Give me a call today!

Beatriz Pico | Mortgage Advisor
📱 775-276-9269
📧 [email protected]

Here’s a look at just a few of the homes, land purchases, and success stories from an amazing month. Cheers to helping even more families achieve their homeownership dreams! 🏡💙

06/03/2026

🏡✨ Mortgage Term of the Week: Adjustable-Rate Mortgage (ARM) ✨🏡

Have you ever heard the term ARM and wondered what it means? Let’s break it down! 👇

An Adjustable-Rate Mortgage (ARM) starts with a fixed interest rate for a set period of time—typically 5, 7, or 10 years. After that, the interest rate can adjust based on market conditions, which means your monthly principal and interest payment may increase or decrease.

💡 Why do some homebuyers choose an ARM?
✔️ Lower initial interest rates compared to some fixed-rate loans
✔️ Potentially lower monthly payments during the fixed-rate period
✔️ Great option for buyers who don’t plan to stay in the home long-term

⚠️ Things to consider:
✔️ Your rate and payment can change after the fixed period ends
✔️ It’s important to understand adjustment caps and future payment scenarios

Every homebuyer’s situation is unique, and choosing the right mortgage starts with understanding your options. That’s where I come in! 😊

📲 Thinking about buying, refinancing, or just have questions? Let’s chat and find the loan that fits your goals.

Beatriz Pico
Mortgage Advisor
📞 775-276-9269
📧 [email protected]

🏠💜

06/03/2026

Ask me how

05/28/2026

Reality check: Most first-time home buyers don't have $40k to drop on a down payment. We get it. United Federal Credit Union has options & experts to help you buy a home without a down payment.
If you didn't think you could buy a home, think again.