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

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.

05/22/2026

Congratulations to me… and truly, congratulations to every single person who has supported me along this journey! 💙✨

I am so incredibly thankful and beyond honored to have been recognized as one of the Top 250 Hispanic Mortgage Originators for 2026 through NAHREP! Ranking #86 is something I do not take lightly, and I couldn’t have achieved this milestone without the trust, support, and encouragement from my amazing clients, referral partners, family, friends, and co-workers.

Every family I’ve had the privilege of helping, every conversation, every referral, and every challenge has helped shape this journey. Helping others achieve the dream of homeownership continues to be one of the greatest blessings of my life.

Thank you for believing in me, supporting me, and allowing me to do what I truly love every single day. This accomplishment belongs to all of us! 🏡✨💙

05/22/2026

Some women inspire with words… but women like Brandi inspire through action, dedication, and the way they make people feel every single day. 💖

If there is any woman on this planet who deserves to be nominated for the 2026 Inspirational Woman award, it’s Brandi! Her passion for volunteering and uplifting young girls and women throughout our community is truly astounding. She pours her heart into everything she does, and it shows.

Her dedication to her team and co-workers is something to admire, and her bubbly, positive personality lights up every room she walks into. She leads with kindness, compassion, and strength — and our community is so lucky to have her.

Congratulations Brandi! This nomination is so well deserved, and I couldn’t think of a better person to be recognized. ✨💕👏

05/16/2026

🏠 Buy now or wait?

It’s one of the biggest questions we hear from people thinking about buying a home — and the answer isn’t the same for everyone.

There are real trade-offs either way. Buying sooner can help you start building home equity and take advantage of today’s prices and inventory, with the option to refinance later. Waiting can make sense if you’re focused on saving more or need time to prepare financially.

There’s no perfect housing market but there is a right time if you’re personally ready and thinking long term. Timing your life matters just as much as timing rates.

💬 If you have questions about the housing market, mortgage options, or what readiness could look like for you, I’m always happy to talk things through.

05/16/2026

Thinking about buying a home but unsure if now is the right time?
Here are a few key things to consider before trying to “time” the market
https://unitedfcu.com/resources/advice-hub/factors-to-consider-when-timing-the-housing-market

Thinking about buying a home but unsure whether to buy now or wait? Learn the pros and cons of timing the housing market, from mortgage rates to personal readiness.

05/14/2026

05/14/2026

Thinking about buying, refinancing, or selling your home? 🏡
Understanding the appraisal process is a huge part of making confident financial decisions!

A home appraisal is a professional, unbiased estimate of your property’s value. It helps protect buyers, sellers, and lenders by ensuring the home is priced fairly and accurately.

✨ Why appraisals matter:
✔️ Helps determine your home’s market value
✔️ Supports financing approval
✔️ Protects your investment
✔️ Gives you confidence during the transaction process

Whether you’re purchasing your first home, refinancing to save money, or using your equity to reach new goals — I’m here to help guide you every step of the way! 💙

📞 Beatriz Pico
Mortgage Advisor | United Federal Credit Union
NMLS #418968
📍 Sparks, NV
📲 775-276-9269
📧 [email protected]