Boost Your Home’s Curb Appeal This Spring: Essential Tips for a Fresh Look

As the days grow longer and nature bursts into color, spring is the perfect time to enhance your home’s curb appeal. Whether you’re preparing to sell or simply want to enjoy a more inviting exterior, a few thoughtful updates can make a significant impact. Here’s how you can refresh your home’s appearance and create a welcoming atmosphere that stands out in the neighborhood.

1. Refresh Your Paint and Front Door

A fresh coat of paint can transform the look of your home. Consider repainting your front door with a bold, welcoming color that complements your home’s overall palette. This simple update can create a striking focal point and make your entrance more inviting.

2. Revitalize Your Landscaping

Spring is the ideal season to breathe new life into your garden. Plant colorful, seasonal flowers and shrubs to add vibrancy and texture to your yard. Don’t forget to mulch your flower beds and trim overgrown bushes and trees to keep everything looking neat and tidy.

3. Upgrade Your Outdoor Lighting

Good lighting not only enhances safety but also highlights your home’s architectural features. Replace outdated fixtures with modern, energy-efficient options to illuminate pathways, entryways, and landscaping. Solar-powered lights are an eco-friendly and cost-effective choice for adding ambiance.

4. Clean and Repair Driveways and Walkways

Winter can be tough on driveways and sidewalks, leaving them cracked and stained. Power wash these surfaces to remove dirt and grime, and repair any damage to ensure a smooth, attractive path to your home.

5. Add Charming Accents

Small details can make a big difference in curb appeal. Consider updating your house numbers, adding a new mailbox, or placing a stylish welcome mat at your doorstep. These accents add character and charm, making your home feel more personalized.

6. Tidy Up the Exterior

Spring cleaning shouldn’t be limited to the inside of your home. Wash windows, clean gutters, and scrub siding to give your home a fresh, well-maintained look. Sparkling windows and a spotless exterior can significantly enhance the overall appeal.

7. Create an Inviting Outdoor Space

If space allows, set up a cozy seating area on your porch or patio. A pair of chairs with colorful cushions or a small bistro set can create a welcoming spot for relaxation and showcase the potential for outdoor living.

By focusing on these key areas, you can dramatically improve your home’s curb appeal this spring. Whether you’re looking to attract potential buyers or simply enjoy a more beautiful home, these updates will help your property stand out and make a lasting impression. So, roll up your sleeves, embrace the season, and let your home shine with renewed charm and beauty!

Refinancing? Save Up to $4,000 with SmartRefi!

Are you looking to refinance your mortgage? At SecurityNational Mortgage Company (SNMC), we’re offering SmartRefi, a program designed to make refinancing easier, faster, and more affordable for homeowners like you.

What is SmartRefi?

SmartRefi is all about simplifying the refinancing process. We’re one of few lenders that can offer this special program that helps you save both time and money. Traditional refinancing can be a hassle, but with SmartRefi, we’re here to make it a breeze.

Why Choose SmartRefi?

Save Up to $4,000: With SmartRefi, you could save up to $4,000 on your refinancing costs. That’s real money back in your pocket!
Close Faster: SmartRefi speeds up the refinancing process so you can close on your new loan faster than ever. No more waiting around!
Easy and Efficient: We’ve streamlined the process to make it easier for you and your loan officer, resulting in quicker turnaround times and reducing the lengthy refinancing process.

Ready to Get Started?

With the potential for significant savings and faster closing times, we’re committed to making refinancing a positive experience for you.

Contact your loan officer today to learn how SmartRefi can benefit you! Don’t have one yet? Find a loan officer near you.

This product is only available in certain states. Verify your eligibility with your loan officer today.

Maximizing Your Tax Return: A Smart Step Towards Homeownership

As tax season comes to a close, many of us find ourselves with a little extra cash in our pockets. If you’ve received a tax refund this year, you might be considering how best to use this windfall. While a vacation or a shopping spree might be tempting, have you considered investing in your future by using your tax return towards homeownership?

Your tax refund can play a pivotal role in the homebuying process, providing a financial boost that can help you get closer to owning your dream home. Here are some smart ways to utilize your tax return in the journey to homeownership:

Boost Your Down Payment: A larger down payment can reduce the amount you need to borrow, potentially lowering your monthly mortgage payments and interest rates. Using your tax return to increase your down payment can make a significant difference in the long run.
Cover Closing Costs: Closing costs can add up quickly, often ranging from 2% to 5% of the home’s purchase price. Applying your tax refund towards these expenses ensures a smoother closing process without dipping into your savings.
Pay Down Debt: Lenders consider your debt-to-income ratio when approving a mortgage. Using your tax refund to pay down existing debt can improve this ratio, enhancing your chances of securing a favorable loan.
Build an Emergency Fund: Homeownership comes with unexpected expenses. Setting aside part of your tax refund as an emergency fund prepares you for any unforeseen repairs or maintenance needs.
Improve Your Credit Score: If your credit score needs a boost, using your tax refund to pay off credit card balances can improve your score, helping you qualify for better mortgage terms.

Take the Next Step with SNapp

Ready to turn your tax refund into a key to your new home? With our SNapp mobile app, applying for a mortgage has never been easier. SNapp lets you start your homebuying journey right from your phone, offering a seamless and convenient way to explore your mortgage options.

Search for a home

Get real-time results on available homes in your area.

Calculate Mortgage Payments

Easily calculate mortgage payments based on numerous loan scenarios, terms, and loan products.

Go Paperless

Use the app to easily scan and securely send documents to your loan officer.

Apply for a Loan

Fill out a loan application anywhere — no need to mail in forms.

Stay Connected

Get alerts and updates throughout the loan process.

Your tax refund offers a unique opportunity to make a meaningful investment in your future. Whether it’s boosting your down payment or paying down debt, these strategic moves can bring you closer to homeownership. And with the SNapp app, you’re just a few taps away from making your homeownership dreams a reality.

Download SNapp today and take control of your homebuying journey. Your dream home is waiting—let’s get started!

Download SNapp

*Consult a tax specialist for your specific tax situation.

The Tax Benefits of Homeownership

Homeownership is often considered a significant milestone in one’s life. Not only does it provide a sense of security and accomplishment, but it also comes with a slew of financial benefits. One of the less discussed, yet highly relevant advantages are the potential income tax benefits for those who itemize on their tax returns.

Mortgage Interest Deduction

One of the most significant tax advantages of homeownership is the mortgage interest deduction. IRS allows homeowners to deduct the interest paid on their mortgage from their taxable income, provided the loan amount is within certain limits. This means the more interest you pay, the larger your deduction.

Property Tax Deduction

The IRS also permits homeowners to deduct property taxes on their primary residence. This deduction can significantly reduce your taxable income, especially in areas with high property taxes.

Home Office Deduction

In an era of remote work, the home office deduction has become increasingly relevant. If you use part of your home exclusively for conducting business, you may be eligible to deduct expenses related to that space. This includes a portion of your mortgage or rent, utilities, and home maintenance.

Capital Gains Exclusion

If you sell your home for a profit, you may be able to exclude up to 250,000 (or 500,000 if you’re married and filing jointly) of that gain from your taxable income. To qualify, you must have lived in the home for at least two of the last five years before the sale.

Home Improvement Loan Interest Deduction

If you take out a loan to make significant improvements to your home, the interest on that loan might be tax-deductible. This can make those necessary upgrades a bit more affordable.

In conclusion, owning a home not only provides a roof over your head but can also offer substantial tax advantages. While these benefits should not be the sole reason to purchase a house, they certainly sweeten the deal.

Remember, everyone’s tax situation is unique, and these benefits may vary based on your specific circumstances. Always consult with a tax professional to understand how these potential tax benefits apply to you.

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60 Years of Security National Success

As part of the Security National family of companies, we at SecurityNational Mortgage Company (SNMC) are thrilled to share the remarkable milestone reached by our sister company, Security National Life. This year, they are celebrating 60 years of serving families. This achievement not only signifies their longevity but also mirrors our shared commitment to stability, growth, and excellence.

A Legacy of Excellence

Security National began in 1965 with the inception of the Security National Life Insurance Company. Starting with a modest sum of $543,000 in assets, housed in a small rented home in Salt Lake City, Utah, Security National has consistently grown into a robust industry leader across various service sectors.

Over the past six decades, Security Nationals’ expansion has been fueled by new sales and investment opportunities, acquisitions of life insurance companies, funeral homes, and cemeteries, along with the formation and evolution of our mortgage company. This journey of growth and resilience reflects our unwavering commitment and dedication to serving families and enabling meaningful careers.

In celebration of its 60th anniversary, SNL has created a special logo that encapsulates its history, stability, and unwavering commitment to excellence. This logo (seen below) will be used throughout 2025 to highlight SNL’s history and commitment to customers and internal teams.

60th-anniversary logo of Security National Life

The original logo of Security National Life

Strength in Unity

This triumph is not a standalone achievement. It’s a testament to the strength and stability of our family of companies. The support from our family entities, like Security National Life, provides us with the stability that is paramount in the dynamic landscape of mortgage lending.

The success of Security National Life affirms our core strength: our ability to weather the highs and lows of each industry. This resilience enables us to provide our borrowers with the best possible service, irrespective of the economic climate.

Future Growth with SNMC

At SNMC, we are not just looking at the present; we are also focused on the future. We are investing in growth and innovation, firmly backed by the stability provided by our family of companies.

As we reflect on the past 60 years of success, we are excited about the opportunities that lie ahead. Our commitment to our customers, our teams, and our shared vision of excellence ensures that we are well-positioned for a future of sustained growth and success.

The accomplishment of Security National Life is a testament to the hard work, fantastic leadership, and shared dedication across our companies. As we continue to grow, we look forward to contributing to the legacy of excellence that defines our family of companies.

The Great Work Debate: In-Office Mandates vs. Remote Work

As companies across the nation redefine their workplace policies, employees are facing a new set of challenges. Recent developments at major corporations like 3M and Amazon illustrate the stark contrast in approaches to returning to the office, highlighting a critical moment for workers navigating their professional and personal lives.

The Shift in Work Policies

3M has adopted a flexible “Work Your Way” policy, allowing employees to choose between remote, hybrid, or in-office arrangements. This shift recognizes the importance of work-life balance and the varied preferences of today’s workforce. Employees are encouraged to select the work environment that best suits their productivity and well-being, reflecting a growing trend toward autonomy and trust in the workplace.

In contrast, Amazon Web Services (AWS) CEO Matt Garman has taken a more rigid approach by mandating that employees return to the office five days a week. Garman’s recent comments have sparked significant backlash, with many employees expressing dissatisfaction and even threatening to leave the company. This divide highlights the challenges many workers face as they adjust to new expectations regarding in-person work.

The Impact of Relocation

During the COVID-19 pandemic, many employees relocated as companies shifted to remote work models. This newfound flexibility allowed workers to move away from their traditional office locations, often seeking more affordable housing or a better quality of life. However, as some companies enforce stricter return-to-office policies, many employees may find themselves required to return, creating significant pressure for those who have settled into new living situations.

Another challenge some employees face is the requirement to return to the office due to living within a given radius of the workplace. This may lead them to consider relocating further away, where housing options might be more favorable and where they can enjoy a better quality of life.

How SNMC Can Help

In this evolving landscape, SNMC is here to support you as you navigate these changes. We understand the unique challenges you may face, and our team of experienced Loan Officers is ready to assist you in exploring options tailored to your specific needs. Whether you’re considering relocating back to your previous work city, facing the requirement to return due to living within the office radius, or looking to move further away for better housing options, we encourage you to reach out.

Having a trusted partner by your side is essential. At SNMC, we’re committed to ensuring you have access to the resources and guidance necessary for a successful transition.

If you have questions or need assistance, we invite you to connect with one of our Loan Officers near you. We’re here to help you navigate these challenges and secure your financial future.

Sources

SecurityNational Mortgage Company Recognized as Scotsman Guide Top Workplace 2024

Building a Stronger Future Together

We are thrilled to announce that SecurityNational Mortgage Company has been honored as a Scotsman Guide Top Workplace for the year 2024. This prestigious recognition is a testament to our unwavering commitment to our employees, our communities, and our mission to make a positive impact in the mortgage industry.

Why It Is Better Here

At SecurityNational Mortgage Company, we embrace the belief that our employees are at the heart of our success. We not only provide exceptional mortgage lending services but also foster a supportive and inclusive work environment where every individual can thrive. Here are some key factors that set us apart:

1. Community-driven Approach: We live, work, and play alongside the communities we serve. We understand the importance of giving back and making a difference. Through extensive community outreach, local charity events, and partnerships with homegrown organizations, our loan officers actively contribute to the betterment of our neighborhoods.

2. President’s Trip: As a token of our appreciation for their outstanding performance, our top producers earn an exclusive opportunity to embark on our annual President’s Trip. This year, we are excited to celebrate success in the enchanting city of Vienna, Austria. Past trips have taken us to breathtaking destinations such as Hawaii, Alaska, Thailand, and Costa Rica, providing our high-performing team members with unforgettable experiences.

3. Career Advancement: We believe in nurturing the growth and development of our employees. Through comprehensive training programs, mentorship opportunities, and continuous support, we empower our team members to advance in their careers. Our commitment to their professional growth is a cornerstone of our success as an organization.

Contributing and Giving Back to Our Communities

At SecurityNational Mortgage Company, we understand the importance of making a positive impact beyond the mortgage industry. We engage in various initiatives and events to contribute to the well-being of our communities. Here are a few notable examples:

1. Fundraiser for the Homeless: Our Pacific Northwest (PNW) Team took the initiative to raise funds for the homeless community in the area. Their dedication and compassion made a tangible difference in the lives of those in need.

2. Anahola Music Festival & Food Drive: In partnership with past clients, local talents, and community organizations, SNMC Hawaii organized the Anahola Music Festival & Food Drive. Through this event, we collected 582 lbs. of non-perishable foods and raised $3,537 for Kauai, showcasing our commitment to supporting local communities.

3. A Place Called Home: In sponsorship of “A Place to Call Home,” SecurityNational Mortgage participated in their third annual gala fundraiser in West Georgia. This event aimed to provide support and resources to those in need, demonstrating our dedication to creating a better future for everyone.

Join Our Team

If you are looking for a fulfilling career with a company that values community, growth, and making a difference, we invite you to consider joining SecurityNational Mortgage Company. As a part of our team, you will have access to a range of perks and benefits that foster personal and professional development. Visit our Careers Page to explore why It Is Better Here.

As we celebrate our recognition as a Scotsman Guide Top Workplace 2024, we remain committed to our mission of providing exceptional mortgage services while positively impacting the communities we serve. SecurityNational Mortgage Company’s unique approach, commitment to employee growth, and dedication to giving back truly set us apart. Together, we will continue to build a stronger future, one mortgage at a time.

Life Planning – Recruiting

Complete the form below to apply!

Journey to Home Ownership

1. Obtain prequalification from lender

2. Identify desired home

3. Contract is accepted/home is placed in escrow

4. Submit loan application to lender

5. Lender orders title and property appraisal

6. Loan materials are reviewed and processed

7. Loan submitted to underwriting for approval

8. Preparation of the Closing Disclosure

9. Loan documents are signed

10. The loan is funded and recorded

11. Buyers get the keys to their new home

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116

Start your journey home today!

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Community Partnership Benefits All

Under Sheriff Kevin McMahill & Amar Chadha
Photo by: Robert D. Harding Jr.

By Mikel Frederick
June Metro Volunteer Program (MVP) Newsletter

Las Vegas, NV — At the height of the Covid-19 pandemic, Las Vegas was facing a dire shortage of personal protective equipment (PPE), and many had lost their jobs.

In true Las Vegas Strong fashion, the Las Vegas Sikh community stepped up and handed out free food and masks to those in need.

In May, 2020, the Las Vegas Sikhs Engaged in Volunteer Activities (SEVA), in partnership with the LVMPD, held two free food and mask distribution drives, handing out over 2,500 free meals and 4,000 masks.

Amar Chadha, 45, the CEO of SEVA, said the event was hugely successful in large part due to the LVMPD and local restaurants that contributed meals for the events.

Chadha said the LVMPD was very helpful with logistics and organization of the events, giving special thanks to Undersheriff Kevin McMahill and Assistant Sheriff Christopher Jones, who helped with logistics and support.

“We cherish our relationship with Mr. Chadha and The Sikh Community. I would like to express my deepest gratitude to Mr. Amar Chadha for his commitment to our agency and Las Vegas. He is a true hero,” Jones said.

Chadha and his wife, Jasmeet, personally finance and run the grass roots non-profit organization. “We created the organization to help anyone who needs help,” Chadha said. “We’re no millionaires, but we desperately try to do what we can.”

For the past 10 years, Chadha, a devout Sikh, and Las Vegas local since 2000, has actively helped bridge the relationship between the LVMPD and the 9,000 strong Las Vegas Sikh community.

Chadha said his active involvement with the LVMPD began about 10 years ago, triggered by an event that changed his life.

At a local Starbucks, Chadha, dressed in a suit and wearing his turban, was reviewing a loan application when he was approached and detained by two LVMPD officers. Chadha said the officers were searching for a possible bomb suspect who had threatened a nearby bank. For him, it was a life-changing event that spurred him to get involved with local law enforcement.

In 2014, Chadha joined the LVMPD volunteer program to better understand the LVMPD and how it helped the community. “I wanted to get involved with other communities and thought this would be a great program to know about Metro and how they help locals on day to day basis, Chadha said.

Chadha devotes most of his time to the Airport VIVA program where he helps visitors – especially minority groups from India. “It’s always a great pleasure to be able to serve,” Chadha said. Chadha’s partnership with the LVMPD has allowed him to educate law enforcement personnel on what Sikhism is about. It’s a great partnership – going on 10 years now.

He added that his close relationship with the LVMPD and the FBI has vastly improved the Sikh community relationship with law enforcement.

Chadha has served on the Las Vegas Sheriff’s Metro Multi-cultural advisory board and is currently on the board of directors for the FBI Las Vegas Citizen’s Academy Alumni Association.

Chadha had high praise for Sheriff Lombardo, saying, “He has really been accommodating to the Sikh community. They have really become familiar with who we are as a community.”

A mortgage consultant by trade and charity organizer in his spare time would seem a pretty busy schedule, but Chadha loves what he does. “I’ve been doing this all my life – helping the community,” Chadha said.

Disclaimer: SecurityNational Mortgage Company, and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional. By submitting your contact information you agree to our Terms of Use and our Privacy Policy. You also expressly consent to having SecurityNational Mortgage Company contact you about your inquiry. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice. SecurityNational Mortgage Company is an Equal Housing Lender. Company NMLS# 3116

Start your journey home today!

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