Bouncing Back: Recovering from a Financial Setback

Financial wellness isn’t built on one habit, it’s built on maintaining a healthy balance. In this webinar, you’ll meet Patelco’s Enterprise Certified Financial Specialists as they walk through the four pillars of financial health: spending wisely, saving intentionally, borrowing responsibly, and planning proactively. Each specialist will share practical guidance for strengthening their pillar, helping you understand how these areas work together to support long-term financial stability.

What we’ll cover

• The four financial health pillars and the role each plays in building a strong financial foundation
• An assessment of your current habits across spending, saving, borrowing, and planning
• Practical strategies, tools, and resources to help strengthen each pillar and support long-term financial well-being

BONUS: 3 attendees will be selected at random for a $25 e-gift card.

The homebuying journey begins well before you’re ready to make an offer. In this webinar, Patelco Home Loan Consultant Fred Williams will discuss the key steps future buyers should understand early, such as credit, savings, the financing process, and the realities of home shopping in Northern California. Whether you’re planning on buying soon or simply thinking ahead, this session will give you clear picture of what to expect and how to prepare with confidence.

What You’ll Learn:

• The key factors lenders look at, including credit, income, assets, and affordability
• The difference between pre‑qualification and pre‑approval, and when each matters
• What the homebuying and mortgage process looks like from start to finish
• Strategies for preparing early and setting yourself up for success

The credit world is shifting fast, and the rules many of us learned years ago have evolved in today’s credit landscape. In this webinar, we’ll break down how new scoring models, alternative data, and updated reporting practices are reshaping the way lenders evaluate credit. You’ll leave with a clear understanding of how credit works in 2026 and practical ways to use these changes to your advantage, how new scoring models use trended data to evaluate patterns, how rent, utilities, and Buy Now, Pay Later are increasingly reported, and much more!