Our Response to COVID-19

How Our Team Can Help You Through This Time

We Are Here to Help You Any Way We Can

Our Team is here to help you, whether it is a grocery need, real estate question, or general support during this time. We know that no pandemic can last forever, and together, we will get through this one. Please reach out to our team with how we can assist you.


Information and Resources

Arizona Together was developed by the state of Arizona to be a central source of information for residents in Arizona. This is a great starting place to find resources that may be beneficial to you. This website provides to links to sources such as:

  • Applying for Unemployment Benefits

  • Applying for AHCCCS Health Insurance/Kids Care

  • Additional Financial Assistance Programs

  • Resources for Seniors

  • Childcare Assistance

  • Tribal Nations and Communities

  • Finding a Food Bank

  • Meals for Children

  • Women, Infants, and Children (WIC)

  • Find Healthcare

  • Community Resources

  • Disability Community Resources

  • Mental Health, Wellbeing and Emergency Services

  • Find Employment

  • Help for Homeowners and Renters

  • Help with Internet Services

  • Help with Utilities

  • Help with Wireless Services

  • Business Resources

  • How to Volunteer

  • And More!

Your City's Local Resources

Staying up to date on what is happening in your local community is very important during this time. Your local city/government websites and social media channels can provide up to date new, information, and resources that may be beneficial to you.

If we have missed your city in our listing, search for them directly online for information and their website.

Financial Planning

Take a Close Look at Your Budget

Now is the time to take a closer look at your budget to have a clear picture of what you have coming in for income vs what your expenses are. Forbes.com recommends taking the following steps when reworking your budget:

  1. Start with your income and assets

  2. Categorize your budget expenses

  3. Eliminate or reduce nice-to-have's

  4. Revisit your essential spending

  5. Spend strategically to save money

Read their article "Retooling Your Budget for COVID-19? 5 Smart Steps to Take Now" to learn more about what you can be doing.

How to Budget If You Lose Your Job

If you lose your job due to the COVID-19 pandemic, there are steps that you can take to budget your money. An article from CNBC.com explains how to prioritize your expenses, and quickly eliminate those that are not needed to live right now.


Read "8 Ways Your Bank Can Help During Corona Virus Outbreak"


Contact a Financial Advisor

We suggest contacting a financial advisor to learn more about what you should be doing with your budget and finances during this time. If you do not have a financial advisor that you work with, you can contact one that is listed below:

George Kao with Edward Jones: 480-279-2642

Jerrod James with Edward Jones: 480-503-8951

What to Do With Your Mortgage

Is Forbearance Right For You?

Forbearance is when your mortgage servicer or lender allows you to temporarily pay your mortgage at a lower payment or pause paying your mortgage. You will have to pay the payment reduction or the paused payments back later.

-consumerfinance.gov

Therefore, if you have any change income or circumstances, be sure to contact your mortgage service provider directly for what options may be available to you.

Learn more about Forbearance online.



It May Be Time to Refinance

Mortgage interest rates are fluctuating from day to day. However, they are still low! Now may be the right time to take advantage of a lower interest rate and reduce your payments. Reach out to your mortgage service provider or contact one of our preferred lenders to learn more about your options.

The Smith Team at Cross Country Mortgage

www.smith-team.com

480-909-4000

The Andrus/Maier Team at Fairway Mortgage Company

www.andrusteam.com

602-705-5152

The Certo Team at Fairway Mortgage Company

www.certohomeloans.com

480-316-5134

Each Keller Williams Office is independently owned and operated.
Openshaw Real Estate Group | The Jesse Herfel Real Estate GroupKeller Williams Integrity First
830 S Higley Rd | Gilbert, AZ 85297480-930-4397www.herfelopenshaw.com