Tracy Lopez - Wescom Mortgage Loan Officer NMLS #958561

11/06/2025

As part of our commitment to building better lives for all Californians, the Wescom Foundation is launching a campaign to raise funds for local food banks this holiday season! You can donate through Online Banking or at wescom.org/donate starting November 3 through November 21, 2025 100% of your gift will supportLos Angeles Regional Food Bank, Second Harvest Food Bank of Orange County, Feeding America Riverside San Bernardino Counties, Food Share of Ventura County, and The Food Bank for Monterey County. Plus, Wescom will match donations from this campaign up to a total of $25,000!

* Nonprofits are not endorsed by Wescom. Wescom’s total contribution will be up to $25,000 plus member contributed funds. Visit wesom.org/donate for donation details.

11/06/2025

Hosting Thanksgiving Without Gobbling Up Your Down Payment

Saving to buy a new home requires a commitment to regularly setting aside money. This can be more of a challenge around the holidays, especially when it's your turn to host Thanksgiving
dinner. However, with some planning, you can have a memorable feast without eating into your savings.

1. Make your Thanksgiving a potluck.
2. Research the turkey and get a head count so you know how large the turkey should be.
3. Shop smartly – keep an eye out for sales, coupons, and deals on items you will need.
4. Decorating on a dime – consider budget-friendly ideas and using items you may already have in your home.

Contact Tracy Lopez NMLS #958561 at 1-888-WESCOM (1-888-493-7266) [ext 4749 or [email protected] for more helpful mortgage tips or to learn more.

All loans are subject to approval. Terms and conditions apply. Visit wescom.org/Home-Loans/Mortgage for details. Membership eligibility required.

10/16/2025

Had so much fun participating in Wescom's "Then & Now" for our 2025 Class Reunion themed Super Star event in Anaheim on Monday! Super Star is our annual companywide meeting where all employees get together to hear from motivational speakers, Q & A with the President's staff and this year, we put together hygiene packs for the unhoused with LA Works.

10/06/2025

Don’t Ghost Your Homeownership Dreams

Don’t let the homebuying process spook you. At Wescom Financial, our dedicated and knowledgeable mortgage loan officers are here to help you through the entire homebuying journey, ensuring it’s all treats and no tricks.

Contact Tracy Lopez NMLS #958561 at 1-888-WESCOM (1-888-493-7266) ext 4749 or [email protected] for more helpful mortgage tips or to learn more! All loans are subject to approval. Terms and conditions apply. Visit wescom.org/Home-Loans/Mortgage for details. Membership eligibility required.

09/23/2025

What is the difference between a loan interest rate and the APR?

A loan’s interest rate is the cost you pay to the lender for borrowing money to finance your loan. The Annual Percentage Rate (APR) is a measure of the interest rate plus the additional fees charged by the lender to get the loan. Both are expressed as a percentage. A loan’s interest rate and APR are two of the most important measures of the price you pay for borrowing money.


Contact Tracy Lopez NMLS #958561 at 1-888-WESCOM (1-888-493-7266) ext 4749 or [email protected] for more helpful mortgage tips or to learn more! All loans are subject to approval. Terms and conditions apply. Visit https://lnkd.in/gKTvJREr Membership eligibility required.

09/04/2025

New or Used: Tips for Furnishing Your New Home

After the ink dries on your closing agreement and you test the keys in the lock, it's time to face the prospect of turning that now-empty house into your next home. So, how do you satisfy your champagne decorating tastes on what's likely to be the diet cola budget you have left? Here are some pointers on how to fill your home with furnishings while holding onto what's left of your nest egg.

1. Take your time- Furniture is an investment—and returning it is problematic if it doesn't fit in with your décor or, more literally, through your doorways, in your building's elevator, or up the staircase to the second floor. So, order fabric and wood stain swatches when they are offered and measure.

2. Buy with the use in mind - young children and pets can be very hard on furnishings. Washable slipcovers, indoor/outdoor fabrics, and other hardy options like leather may be worth considering if you have or anticipate adding either to your household.

3. Stalk sales and discounter sites - Knowing what you want and having a bit of patience are the keys to saving. Different furnishing items go on sale at different times of the year. For instance, indoor furniture typically goes on sale in January and July, ahead of new items hitting the showrooms. Reductions on outdoor furniture begin in August as people head back inside in many parts of the country. Outdoor pieces reach clearance status in October when holiday merchandise requires maximum floor space.

4. New or used? - Because other people do make mistakes regarding their furniture's size and how it will fit in, or because they no longer need it, consider buying gently used pieces. As with other items, used furniture also has a prime season for deals. It is at its most plentiful in the late spring and summer months as people move after the school year ends and garage sale season begins.

Negotiate - Do your homework before you enter a store. When you arm yourself with copies of online pricing from competitors, you can often get a deal from your local retailer and even the national chains.

Contact Tracy Lopez NMLS #958561 at 1-888-WESCOM (1-888-493-7266) ext 4749 or [email protected] for more helpful mortgage tips or to learn more!

All loans are subject to approval. Terms and conditions apply. Visit https://lnkd.in/gKTvJREr for details. Membership eligibility required.

08/21/2025

Choose a House Located in a School District That’s Right for Your Family

Sometimes, it’s not about the house. It’s about building a safe haven for generation to come. Considering aspects like school districts, distance to parks, and commute times will help you choose a community where you and your family can thrive. Contact us today to start building your safe haven.


Contact Tracy Lopez NMLS #958561 at 1-888-WESCOM (1-888-493-7266) ext 4749 or [email protected] for more helpful mortgage tips or to learn more! All loans are subject to approval. Terms and conditions apply. Visit https://lnkd.in/gKTvJREr for details. Membership eligibility required.

08/20/2025

What is Loan to Value (LTV)?

It is a way to measure how much equity you have in your home. The higher your LTV the more you borrow from your lender. Your exact program LTV maximum depends on things like property type, loan amount, and how you will be using the property.

Contact Tracy Lopez NMLS #958561 at 1-888-WESCOM (1-888-493-7266) ext 4749 or [email protected] for more helpful mortgage tips or to learn more! All loans are subject to approval. Terms and conditions apply. Visit https://lnkd.in/gKTvJREr for details. Membership eligibility required.

05/21/2024

08/11/2023

📢 Big news! We’re proud to be a Great Place to Work-Certified™ company!

Thank you to our amazing team for making this achievement possible! Together, we create a work culture where every employee can thrive and grow.

Here’s what our team members say that makes our culture strong and working here so great:
🌟 84% of team members say Wescom is a great place to work compared to 57% of team members at a typical company.
🌟 91% of team members say they were made to feel welcomed when joining Wescom
🌟 91% of team members say they feel good about the ways Wescom contributes to the community.

For more information, check out Wescom's profile on Great Place to Work US: https://www.greatplacetowork.com/certified-company/1000864

04/14/2023

Did you know that credit unions were formed during a time of financial crisis?

In 1934 – the year Wescom was founded – the surge of the credit union movement gave hope to thousands who were desperately in need of some form of financial security. Credit unions represented an alternative to the traditional banks, which had failed so many.

For more than 89 years, and many economic cycles, Wescom has served the needs of its member-owners in Southern California and we plan to do so for the next 89-plus years and beyond. Rest assured that your deposits are insured to at least $250,000 per individual depositor by the full faith and credit of the National Credit Union Association (NCUA). That’s the Wescom difference.

To learn more, visit www.ncua.gov/consumers.