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Home Buying Tools of the Trade. Pg 3 NEVER ROAD TRIP ALONE! Home buying tools of the trade. Pg 3 NEVER ROAD TRIP ALONE! Take your One Nevada membership with you and get the best and most affordable insurance options to protect you and your ride. One Nevada Insurance Services has options to fit every make, model, and budget. Compare quotes from industry leading insurers online or over the phone. Choose from: • Auto Insurance • Guaranteed Asset Protection (GAP) Insurance • Mechanical Breakdown Protection • Payment Protection (800) 388-3000 OneNevadaInsurance.com Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Union. Property, casualty and life insurance offered through One Nevada Insurance Services, LLC. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as driving record, claims and credit history reports. Future reports may be used to update or renew your insurance. point focal CONTENTS Fellow member-owners: The Tools You Need to March marked my first month Buy a Home as One Nevada Credit Union’s Page 3—4 new President and CEO. One of the first things I’d like to do is thank Bradley Beal, our Trending — Using Your former President and CEO, for Travel Benefits over three decades of service. Page 5—6 Our credit union has come a long way, in large part, due to Brad’s outstanding leadership. I’m quite confident we’ll carry this success Member Profile well into the future. We all wish Brad the best, and I Patricia Peters now stand ready with the entire One Nevada team to Owner & Operator Vegas Valley Winery continue serving your financial needs for many years Grape Expectations: to come. Nevada School of Winemaking In this Focal Point issue we’re focusing on just Henderson, Nevada that, your future. We’ve dedicated this issue to helping Page 7–8 you make financial decisions that benefit you and your family. In it, you’ll find information about buying a home in today’s market, what rising interest rates Riding Today’s Rate Waves could mean for your debt and how to utilize your travel Page 9–10 benefits to put relaxation back into your vacation. Whatever life throws your way, we’re here to help you Watching Your Credit Score be smart and be ready for whatever comes next. Page 11 With one focus, Paul Parrish, President/CEO Serving the Community Page 12 Did You Know? Employee Focus Page 13 Focal Point is produced Send comments and quarterly by One Nevada suggestions to: as a service to our One Nevada Credit Union members. Our goal is to Focal Point FOCAL POINT STAFF help you understand all 2645 South Mojave Road that membership offers Deborah Colby, SVP MARKETING/CMO Las Vegas, NV 89121 you, provide financial Jennifer Salvador, AVP MARKETING education and present [email protected] topics important to you. For address corrections, Jake Ludens, AVP MARKETING please speak with a Financial AVP MARKETING — NORTHERN NEVADA Lisa Jansen, Copyright ©2018. One Nevada Services Representative or Credit Union. All rights reserved. call us. Jara Pearson, DIGITAL MEDIA STRATEGIST Reproduction, in whole or in part, To find a branch in your area, Corey Scribner, SR DIGITAL CONTENT DESIGNER without written permission is prohibited. Federally insured by go to OneNevada.org or Greg Pace, SR GRAPHIC DESIGNER NCUA. Equal Housing Lender. download our mobile app. Get to know the tools of the home buying trade. uying a home in the 1. START WITH THE DOWN PAYMENT grants, and we’ll take care of the rest. Nevada market can be Depending on the loan and the home’s value, Qualify for a Home is Possible grant and tough. Really tough. Fact your down payment can be sizable. Today’s you could be awarded funding of up is, homes are being down payments range from 3% to 5% of the to 5% of the loan amount. The grant is sold right now for more home’s appraised value. That means you could forgivable after three years (if you stay in thanB their asking price, locking hard- need over $10,000 for the down payment on a your home). working families out of the running. So, $250,000 home. If you don’t have that kind of 2. POLISH YOUR CREDIT how can the typical Nevada homebuyer money saved up, you can use cash gifts from Sure, you don’t need perfect credit to get keep up with inflated prices? Being ready relatives or we can help you apply for a Home is a home loan, but it can make things easier and smart begins with the One Nevada Possible down payment assistance grant from and less expensive. Before you get pre- four-step, home buying tool belt. the Nevada Housing Division. qualified, get your FREE credit score and ONE NEVADA IS A HOME IS POSSIBLE report at onenevada.org or in our mobile PROGRAM QUALIFIED LENDER app. Just log in, choose ‘Credit Score’ and Just tell us you’d like to apply for one of the validate your identity to review your credit score and full report for free. 3 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 Get to know the tools of the home buying trade. Review your credit report to ensure 3. GET PRE-QUALIFIED The great news is that as a One Nevada everything looks accurate. Should you notice You can speed up the process by getting pre- member, you have access to local realtors who anything that looks suspicious or might be qualified. Before you meet with your lender, know the areas where you want to buy a home. an error, including incorrect balances, contact organize the necessary documents including Get teamed up with the right realtor for you the agency listed on your report. They can your last two paystubs, last two W-2’s, your and your needs and start your home buying examine the details with you and make most recent financial statements (checking journey by getting pre-qualified at any branch corrections if needed. and savings), any IRA and retirement account or online at onenevada.org. The higher your credit score the better. To information, your current mortgage statement raise your score by a few points, try paying (if you already own a home) and copies of your down credit card balances and then putting last tax returns if you’re self-employed. the cards away for several months.1 Also, 4. FIND A QUALIFIED REALTOR avoid applying for any other credit (car loan, The right real estate professional can make all credit card, store charge card) before you the difference in the world when you’re buying apply for your mortgage. Call us directly at (702) 904-9525 or your first or next home. visit us online at: OneNevadaRealty.com 1This is not a promise of credit worthiness nor a guarantee to repair or improve a credit score. Consult a profession to discuss your current credit needs. ONENEVADA.ORG | Q2 2018 4 TRENDING Relax Yeah, you probably left the lights on but your vacation is covered! ummertime travel is TAKE CONTROL prevent the fraudsters from using your card. Debit and credit cards can be a great All One Nevada debit cards come with a wonderful thing. convenience when you’re traveling. It’s so our Card Control feature. Using the One Whether you’re visiting a much easier than carrying cash or travelers’ Nevada mobile App, you can turn your cards theme park, traveling to some checks. But the bad guys increasingly try to on and off. Plus, you can use Card Controls Splace lush and green or going tropical, find ways to use your card fraudulently. To to establish spending limits and geographic relaxation is the name of the game. Part help protect yourself, keep your debit and boundaries tied to your smartphone’s of that leisure starts with some surprising credit cards in check with self-regulating location. This same service will be added to benefits that you can use to protect your spending limits and geographic controls. our credit cards in late 2018. vacation from the unexpected. These simple Card Control tools can help 5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 GO MOBILE Protect Your Luggage: When you pay for One Nevada Tip: If you’re in an accident with Download and utilize any smartphone the cost of your transportation with a your rental car, be sure to get a copy of the apps that allow you to securely manage card, your luggage may be covered up accident report, a copy of the final auto rental your money while on vacation. You never to a set dollar amount. One Nevada’s agreement, a copy of the repair estimate, a know when you will need to log in to Signature Card covers luggage theft or police report (if available) and two photographs check a balance or make a transfer. carrier misdirection up to $1,250. While of the damaged vehicle. This will help process The One Nevada Credit Union Mobile that covers a lot of what might be in your your claim quicker. App is a great way to add some financial luggage, it doesn’t cover everything. To Call for Roadside Assistance: Beyond car rental Zen to your vacation. Download it to your further protect your belongings, travel coverage, roadside dispatch may also be phone to transfer funds, pay bills, make with your camera, smartphone, computer, available with some credit cards. These often deposits, find nearby ATMs, and check cash, glasses, contact lenses, tickets or include 24/7 towing and locksmith referral your credit card purchases from anywhere deeds in your carry-on bag.
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