Ken Melendez at Rate NMLS 2037924

09/08/2026

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/bvi2p4fRY6Z/ky0cb



NMLS # 2037924

08/27/2026

Do you know everything your monthly payment covers? Most people are surprised it's more than just principal and interest. Taxes and insurance are in there too, and that's the part most people miss.

If you've got questions about what makes up your payment, reach out to me today, I'm happy to walk you through it.
https://myoc.io/bvi2p4fRY6Z/kbpyt



NMLS # 2037924

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/bvi2p4fRY6Z/SvQLe



NMLS # 2037924

08/24/2026

You've spent years building equity in your home. The question a lot of homeowners ask next is what they can actually do with it. A HELOC is one option that may let eligible homeowners access a portion of that equity, up to an approved limit, for things like home improvements or other financial goals.

If you're wondering how your equity fits your bigger picture, let's talk it through.
https://myoc.io/bvi2p4fRY6Z/zkjwX



NMLS # 2037924

08/20/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/bvi2p4fRY6Z/b7IMo



NMLS # 2037924

08/19/2026

A clearer housing plan starts with understanding your options. Renting may be right for now, but if you want more predictability in your
monthly budget, it may be worth seeing how homeownership compares.
https://myoc.io/bvi2p4fRY6Z/0bshz



NMLS # 2037924