Wish you could add a few hours to your week?

Now you can!  AZ Family Home Management is here to help you free up time in your busy day; or just offer a helpful, friendly hand around the house.  Our services are tailored to each client’s individual needs. We specialize in interviewing and scheduling home maintenance, running daily errands and organizing your home or office. My name is Nicole Gallegos-Singleton and I am the proud owner of AZ Family Home Management.  While working 55+ hours a week in my former Human Resources position; I recognized the urgent need for a second ‘me’ to help out just a little bit with my home responsibilities.  Since I didn’t know how I would find my twin; I assumed other busy homes needed the same assistance!  In March 2014 I decided to take the plunge and start AZ Family Home Management in hopes of helping others not only free up their time, but to also help alleviate the stress of the daily/weekly/annual maintenance of your home. From the busy professional to the retired senior citizen; everyone could use an extra hand around the house!  I visit clients on a weekly, bi-weekly or even a monthly basis!  The best part of my business is seeing my clients’ face when they see all that was accomplished in just a few short hours! Services include but are not limited to: Interviewing and scheduling for home maintenance Running errands (grocery shopping, dry-cleaning, car maintenance etc.) Home Watch: checking on property while you are away Home and/or Office Organization Clerical assistance for small business Assist in party planning Call today to schedule your free consultation and see how...

Credit: The Game You Didn’t Know You Were Playing

As a mortgage officer I get a lot of questions about credit scores, commonalty known as FICO’s. These all important scores affect so much in your life. Everything from how much you pay for your mortgage to what you pay for insurance and even whether or not you get the job you applied for. With something having such a big impact on your life, it is important to know what makes your score go up and what makes it go down as well as what goes into your score and what does not. Let’s start with what factors goes into your credit score. According to WhatsMyScore.org 35% of your score is determined by making your payments on time. By that I mean FICO definition of on time, not necessarily yours or mine. I had a first time home buyer tell me she could not qualify because she didn’t always pay her bills on time. I asked her what she meant by that and she told me sometimes the bills were due on the first and she didn’t pay them until the 8 or 9th.  On time means your bill must be to the creditor within 30 days of the bill date. The creditor may charge you a fee if you are over a shorter period of time such as 15 days for most mortgages but that doesn’t mean it is a 30 day late on your mortgage. 30% of your score is based on your credit limits to your credit balances. Remember that old adage “We only lend money to people that don’t need it”? Will that saying is...