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Hugo Guzman - Real Estate

@_hugo_guzman

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Real estate made simple for first-time buyers
🏠Building wealth through real estate
✝️Building life through faith
👇🏼 Start your home buying journey

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Here are 7 things most homeowners forget to do 👇🏼

1️⃣ Find your gas and water shut-offs.
If there’s ever a leak, you don’t want to be Googling this while water’s flooding your kitchen. Know it now.

2️⃣ Put a reminder in your phone to shop homeowners insurance in 11 months.
Insurance companies love raising rates quietly. Loyalty is great… but savings are better. Shop it.

3️⃣ Check if you qualify for a homestead exemption.
A lot of counties give you a property tax break just for living in your home. Don’t leave free money on the table.

4️⃣ Find your PMI removal date.
If you put less than 20% down, your closing docs tell you when you can request mortgage insurance to be removed. Circle it. Set a reminder. Future you will be grateful.

5️⃣ Replace your smoke and carbon monoxide detectors.
You have no idea how old they are. Just swap them out. Peace of mind is cheap.

6️⃣ Pull out your home inspection report.
That report is basically your maintenance roadmap. It tells you what to fix now, what to watch later, and what will eventually cost you money if you ignore it.

7️⃣ Set mortgage rate alerts.
If rates drop around 1%, refinancing might make sense. You don’t need to obsess… just stay informed.

Being a homeowner isn’t just about buying the house.
It’s about managing it well.

#firsttimehomebuyer #buyingahome #homebuying101 #realestate by @_hugo_guzman

🚨Before you buy a house, read this 👇

The number a lender approves you for is what you CAN spend.
It’s not always what you SHOULD spend.

Lenders approve based on formulas and ratios.
Real life includes groceries, kids, gas, trips, repairs, and peace of mind.

That’s why I like using a simple guideline ⬇️
👉 Keep your housing payment around 28% of your gross monthly income.

This number helps you stay comfortable — not stretched.
It gives you margin instead of stress.

Yes, getting approved is important.
But buying a home you can actually enjoy is the real win.

If you’re thinking about buying and want clarity on what works for your income, goals, and lifestyle — not just the bank’s math — send me a message.

No pressure.
No sales pitch.
Just real guidance. 🏡

#realestatetips #firsttimehomebuyer #homebuying101 #californiahomes by @_hugo_guzman

So don’t worry 😉 about it! Get yourself that tall iced coffee. Saving for your down payment might be easier done with a solid side hustle than by skipping out on your favorite drink!

#financialplanning #homebuying101 #realestate #realtorlife by @_hugo_guzman

Suffering is part of life, it helps reveal our faith.

“Count it all joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.” James 1: 2-3

#faith #christian #bibleverse by @_hugo_guzman

🎂 Happy Birthday Mom! Thank you for everything, for all the sacrifices-seen and unseen. For your unconditional love & support. Te amo 😘 Feliz cumpleaños 🎉 by @_hugo_guzman

Some people are just natural at being awkward 🤪

#realtorlife #awkward #introvert #realtor by @_hugo_guzman

Didn’t get a chance to post this yesterday. I was too busy enjoying the moment. ❤️

Father’s Day always reminds me how grateful I am that God chose this man to be my dad.

From the sacrifices he made, to the challenges he endured, to the countless hours he worked to give my siblings and me a better life, I’ll never be able to fully express how thankful I am. His love, guidance, strength, and example have shaped so much of who I am today.

And even now, he continues to show up, support us, and be an incredible father.

Love you, Dad. Thank you for everything you’ve done and continue to do. I am forever grateful to call you my father. ❤️ by @_hugo_guzman

Business, like life, is all about relationships.

Grateful for the people I get to do life with, and especially grateful to have this guy in my corner. 🤝

The right people make the journey better. by @_hugo_guzman

Anyone else’s kid do this? Or they hit you with “I forgot”, after you turned down the music. 🤷🏻‍♂️🙃

#dadlife #parenting by @_hugo_guzman

Productivity took a red card today! 🟥⚽️

#worldcup #fifaworldcup by @_hugo_guzman

My daughter is getting ready for cross country, so we headed to the park to run hills.

After she finished her workout, I challenged her to one last race to the top.

Now before anyone gets too impressed… she had already run a bunch of hills and this was my first one. 😂

But a win is a win.

The best part wasn’t crossing the finish line first, though.

My son was standing at the top with his hand stretched out, acting as the official finish line. After all three of us made it up the hill, he looked at my wife and said, “Mom, you did a great job.”

It was such a simple moment, but one I’ll probably remember forever.

One day my daughter will beat me.
Today was not that day. 🏆❤️ by @_hugo_guzman