Houzerz Real Estate Loans
Legacy Planning Resource — Confidential
Jamella Santos
Houzerz Real Estate Loans
📞 (909) 957-3871
✉ Jamella@houzerz.com
Houzerz Real Estate Loans
📞 (909) 957-3871
✉ Jamella@houzerz.com
68%
of Americans have no will or estate plan
$63T
in wealth will transfer in the next 20 years
4 mo.
average time to settle a contested estate
$15K+
average cost of probate on a $300K home
Personal Information
Your core details — the foundation of every document
For identification purposes only — stored locally
Legal Documents
Will, trusts, power of attorney, and key legal instruments
⚠️
Without a valid will, your state decides who gets your property. This includes
your home. Courts will apply intestacy laws — which rarely match your actual wishes and can
leave your family in a years-long legal battle.
Last Will & Testament
Specifies who receives your assets, names an executor, and appoints guardians for
minor children. Must be signed, witnessed, and notarized.
Revocable Living Trust
Avoids probate, provides privacy, and allows assets to pass directly to beneficiaries.
Especially important for real property owners.
Durable Power of Attorney (Financial)
Names someone to manage your financial affairs if you become incapacitated. Without
this, a court must appoint a conservator.
Healthcare Power of Attorney / Healthcare Proxy
Designates who makes medical decisions on your behalf if you cannot communicate your
wishes.
Living Will / Advance Directive
Documents your wishes regarding life support, resuscitation, and end-of-life medical
treatments.
HIPAA Authorization Form
Allows designated people to access your medical records and communicate with
healthcare providers.
Beneficiary Designations Reviewed
Life insurance, retirement accounts, and some bank accounts pass outside of your will.
Confirm these are up to date.
Real Property & Real Estate
Homes, land, investment properties — your largest assets
🏡 Quick Property Estate Estimator
Estimated Net Real Estate
Value
$0
Total Property Value$0
Total Liens / Mortgages$0
Net Equity to Transfer$0
Deed(s) Located and Reviewed
Know exactly how title is held: sole ownership, joint tenancy, tenancy in common, or
community property. This determines how property transfers.
Property Titled Correctly for Estate Goals
Joint tenancy with right of survivorship passes automatically. Tenancy in common goes
through probate. Consider a living trust for cleaner transfer.
Professional Property Appraisal Obtained
An updated appraisal establishes value for estate tax purposes and fair distribution
among heirs.
Mortgage Lender Notified in Plan
Document lender contact, loan number, and any due-on-sale clause details your heirs
need to know.
Investment / Rental Properties Documented
Include addresses, lease agreements, property management contacts, and any outstanding
maintenance issues.
Thinking About Selling? Your Heirs Deserve the Best Price.
When a home transfers through an estate, timing and strategy matter enormously. Houzerz Real Estate Loans specializes in helping families navigate estate sales with maximum value, minimal stress, and complete sensitivity to the situation. We've helped hundreds of families through this process.
Financial Accounts & Assets
Bank accounts, investments, retirement, life insurance
Checking & Savings Accounts Listed
Include bank name, account type, and rough balance. Consider adding a TOD (Transfer on
Death) designation.
Retirement Accounts Documented (401k, IRA, Pension)
Beneficiary designations on retirement accounts override your will. Verify these are
current.
Investment / Brokerage Accounts Listed
Include account numbers, institutions, and financial advisor contact if
applicable.
Life Insurance Policies Documented
Policy number, insurance company, face value, and beneficiary. Keep the policy itself
accessible.
Debts & Liabilities Listed
Credit cards, auto loans, student loans, personal loans. Your estate must settle these
before distributing assets.
Safe Deposit Box Location & Key
If you have a safe deposit box, document the bank, box number, and where the key is
kept.
Business Interests / Ownership Stakes Documented
Include any partnership agreements, LLC operating agreements, or buy-sell agreements
that govern transfer.
Family & Key Contacts
The people who need to know — and what they need to do
Key Contacts
Minor Children — Guardian Named in Will
Confirm your will explicitly names a guardian and that the guardian has agreed to
serve.
Pets — Care Plan in Place
Name a caretaker and set aside funds for pet care in your estate plan. Some states
recognize pet trusts.
Executor Has a Copy of Your Will
Your executor should know where your will is and how to access it. Don't store it only
in a bank safe deposit box — access can be restricted after death.
Family Told Where Documents Are Stored
At minimum, your executor and a backup person should know where all critical documents
are located.
Healthcare & Medical
Doctors, directives, and your wishes for medical care
Primary Physician Contact on File
Name, practice, and phone number of your primary care provider and any
specialists.
Current Medications Listed
A complete medication list with dosages. Invaluable in an emergency and for managing
your estate.
Allergies Documented
Medication and environmental allergies clearly documented for emergency
responders.
Health Insurance Information Documented
Insurance provider, policy number, and group number. Include Medicare/Medicaid if
applicable.
Long-Term Care Insurance Policy Located
If you have LTC insurance, ensure your family knows where the policy is and how to
file a claim.
Final Wishes & Arrangements
Funeral, burial, and the personal details that honor your life
Digital Life & Online Accounts
Passwords, social media, email, and digital assets
⚠️
Digital assets are often permanently lost after death. Cryptocurrency, online
businesses, photo archives, and even Gmail accounts can be inaccessible without proper planning.
Some platforms have legacy contact features — use them.
Password Manager Access Provided to Trusted Person
Consider a password manager like 1Password or Bitwarden with emergency access, or a
sealed envelope in your fireproof safe.
Google / Apple Legacy Contact Set Up
Google's Inactive Account Manager and Apple's Digital Legacy let you designate someone
to access your data. Takes 5 minutes.
Facebook / Instagram Legacy Contact Designated
Facebook allows a legacy contact to manage your memorialized profile. Instagram can be
memorialized or removed.
Cryptocurrency / Digital Assets Documented
Wallets, seed phrases, and exchange accounts. Without this information, crypto is
permanently lost. Store seed phrases offline and securely.
Online Business / Income Accounts Listed
Amazon, Etsy, YouTube, freelance platforms — these can have significant value or
outstanding obligations.
Subscription Services Listed for Cancellation
Netflix, utilities, gym memberships, insurance — help your family stop charges
promptly.
Ready to Talk? Houzerz Is Here for Your Family.
From estate sales to probate properties, investment real estate to helping heirs who've inherited a home — Houzerz Real Estate Loans walks with families through every stage. We offer free, no-pressure consultations. There's never a wrong time to call.
FREE RESOURCE
📋
Download Your Completed Legacy Planner
Enter your info below to unlock your personalized Legacy Planner as a printable PDF — with everything you filled in, ready to save, print, and share with your family.
✅ Instant PDF download with all your info
✅ Free Estate & Property Planning Guide
✅ Complimentary call with Jamella Santos
✅ No spam — unsubscribe anytime
By submitting, you agree that Jamella Santos at Houzerz Real Estate Loans may contact you with helpful real estate guidance. You can opt out anytime.
🏡
Houzerz Real Estate Loans Is Here For Your Family
Whether you're planning ahead or a family member who just inherited property — we handle estate sales, inherited properties, and real estate needs with compassion, expertise, and results. Call us. We're ready to help.