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About Valley West Mortgage

We are the premier Mortgage Broker in Las Vegas, NV. We have become experts in a variety of Home Loans designed specifically for your individual needs. Our mortgage expertise is in working with you to insure that you get the best value, service and loan product for your specific needs.

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Valley West Mortgage Loan Benefits

We have been in the business of offering the best mortgage rates in Nevada, Colorado, New Mexico, Idaho, Oregon, Washington, California, Louisiana, Alabama, Tennessee, Utah, Virginia, Maryland, Arizona and Pennsylvania, New Jersey, DC and Florida. Valley West Mortgage is dedicated to offering you with the lowest mortgage rates possible, with the highest quality of services while having a smile. Our team is here to help first time home buyers, or returning home owners understand the current mortgage market to make the best financial decisions for you and your family.

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A Rise in Your Credit Score

July 10, 2017
Some changes took effect at the top of this month that could have amazing results on your credit score! We’ve talked about the importance of your credit score in some of our recent posts. Your credit score—more importantly your FICO credit score (which is a combination of your credit scores and credit history)—is assessed to determine your eligibility for lines of credit, personal loans, auto loans, and more importantly, home loans. The higher your FICO score is when you apply for a mortgage, the better your chances are at negotiating mortgage loan terms with your bank or broker. In a recent review of the three main credit bureaus, Equifax, Experian, and TransUnion, the Consumer Financial Protection Bureau found a number of concerns within the credit reporting processes of the agencies. The main issues that were called to attention included improper quality control procedures as well as incomplete and inadequate investigations when handling disputed accounts from consumers. Your Credit Score Raising your credit score can be challenging. Collections, debts, and student loans often tend to sneak up on us when we least expect it. One late credit card payment could drop your score down 90 or more points, and once your score is down (or damaged) it takes time to repair it again. Because of the difficulty of maintaining good credit, it’s important that the information on your credit report is accurate. Otherwise you could be receiving penalties and dropped points on someone else’s behalf. For far too long consumer credit reports have been erroneous due to insufficient identity information. As a part of the new standards set for the credit bureaus, the government has outlined a list of ways for the credit bureaus to improve on accuracy of information before applying a collection to someone’s credit report. Beginning July 1, 2017 a new and improved list of standards was set for credit bureaus. The Bureaus Equifax, Experian, and Transunion are due to pay more than $17 million in restitution back to consumers who’ve been victims of false reports. They are also due to pay at least $5 million in fines and penalties to the Federal Government. 12 to 20 million Americans are expected to benefit from the new standards put in place by the Consumer Financial Protection Bureau. Those who will the see the change are most likely consumers who had civil debts and tax liens on their credit report. Checking Your Credit Report Your credit score updates every month. Be sure to be on the lookout for a rise in your score!   When doing your research, always be sure to consult reliable sources. Check out the sources for this article below! http://www.cnbc.com/2017/06/30/your-credit-score-may-jump-starting-this-month.html http://www.cnbc.com/2017/03/14/consumer-agency-leans-on-companies-to-improve-credit-reporting.html http://talktown.blog.myajc.com/2017/06/30/will-your-credit-score-go-up-this-weekend/      WHITNEY RUSH, VALLEY WEST MORTGAGE        

Bank Stress Test

June 27, 2017
The Big 34 Earlier this year, we touched on national stress tests done by big banks. Since the Federal Reserve conducted their annual stress test last week and have now released their reports, today we’ll expand on the explanation of the stress tests. Banking institutions with $50 billion or more in total assets are required by the Federal Reserve to conduct an annual stress test to ensure that through a national financial crisis (like a recession), the banks will retain their financial flexibility to lend to households and businesses. The stress tests are done to satisfy a requirement for the Comprehensive Capital Analysis and Review, also conducted annually by the Federal Reserve. Banks are also required to publish the results of their stress tests to demonstrate to the public their ability to withstand crisis. According to the results that were released by the Federal Reserve Board, our nation’s 34 largest banks passed the stress test. “This year’s results show that, even during a severe recession, our large banks would remain well capitalized,” Governor Jerome H. Powell said. “This would allow them to lend throughout the economic cycle, and support households and businesses when times are tough.”   Now take a sigh of relief, because that’s definitely good news. Passing the stress test means that if our economy fails, our banks will hold strong. The 34 big banks mentioned above hold more than 75% of the assets of all domestic banking institutions in the U.S. In other words, 75% of our country’s money is held within and managed by the 34 largest banks in the nation. It goes without saying that the funds held within the Big 34 are critical to our nation’s economy, hence the necessity of annual stress tests. The stress tests come in two forms: the adverse scenario and the severely adverse scenario and all 34 banks are tested against both. The adverse stress test tests for stability of the banks given a United States recession. The severely adverse stress test tests for stability of the banks given a global recession. The tests weigh in factors like unemployment and elevated stress in loan markets and real estate. Our nation’s banks are in good condition. They are doing a great job at keeping reserves on hand to protect against any future losses or disruptions in our economy. Those of us in the mortgage industry are overjoyed to know that our banks are taking care of themselves. A well-structured banking system means that there are enough national funds to go around to lend to borrowers who wish to purchase homes.     When doing your research, always be sure to consult reliable sources. Check out the sources for this article below! https://movement.com/blog/2017/06/23/why-bank-stress-tests-are-critical-to-mortgage-markets/ https://www.federalreserve.gov/newsevents/pressreleases/bcreg20170622a.htm http://www.investopedia.com/terms/b/bank-stress-test.asp    WHITNEY RUSH , VALLEY WEST MORTGAGE

Your Purchasing Power

May 25, 2017
Who’s your favorite X-Men character? Wolverine? Storm? Professor X? What makes that character your favorite? For some people it’s the character’s courage, or perhaps their good looks, or their intelligence. My favorite mutant character is Mystique and what makes her my favorite is her superpower. Mystique is a shape shifter, meaning she can change her body and her voice to look like anyone she chooses. Did you know that outside of the comic book world there are real-life, everyday people with super powers? You are one of them. This article is going to walk you through tapping into and applying your purchasing power. Though I’m sure you’re not a mutant like the characters of X-Men, your purchasing power is a great power to exercise when you’re looking to buy a home. Your “Purchasing Power” is the ability and the flexibility to get the home you want. Your purchasing power can be increased by applying the following practices:             Decrease Your Debt Though the ultimate goal is to eliminate your household debt all together, depending on the amount of expenses you have, you may not be able to eliminate all of your debt all at once. In the meantime, decrease your debt by eliminating what you can. Pay off any outstanding medical bills. Return those overdue books to the library. Most importantly, stop using your credit cards. The minute you decide that you want to purchase a home, stop all usage of credit. Every time you swipe that card, you’re swiping yourself into debt.             Increase Your Credit Score Similar to how eliminating all of your debt will take time, improving your credit score will take time too. It’s easy for credit scores to drop, it’s a little tougher to bring them back up. Every 30 days the credit bureaus update with any new financial information from the previous month. That means there’s only 12 opportunities within a year for your score to go up (once each month). So each month you’ll have to make a conscience effort to change something for the better on your credit report. Remember, when credit does increase, it’s usually only increasing by a factor of roughly 1-15 points. Big events (like a delinquency or having an account go to collections) can change your credit score drastically, negatively hitting your credit anywhere in the range of 100 to 150 points so be sure to pay everything on time if not early.             Check Your Credit Report When you do your application to purchase a home, your credit report will be pulled and lenders will evaluate how much money you can be trusted to borrow. Do yourself a favor and check your score before the lenders do. I read once that at least 5% of Americans have a major error on their credit report. This could be caused by something as simple as someone having the same name and birthday as you. You’d be surprised how many John Smiths were born on the same day. Check your

Banks vs. Brokers

May 19, 2017
Commercial Banks vs. Mortgage Brokers When it comes to getting a home loan, you have a few options available to you in order to come up with the money to purchase the home. This article will focus on two of the most common ways you can borrow money for your home loan. More importantly, it’ll will focus on the differences between these two options. What is the difference between financing a home loan through a mortgage broker and financing a home loan through a commercial bank? Well for starters, a mortgage broker acts as a middleman between the borrower and the big banks. Brokers have knowledge and experience with market trends and they analyze the possibility of your loan with several different banks. Commercial banks on the other hand will only show you what their bank offers; a comparison with other banks is not part of the process. Brokers are able to accommodate borrowers who may have an unusual financial situation by doing the footwork for you. Instead of you going from bank to bank finding out who will qualify you, you can give your information to a broker and he searches through his database of banks to find what bank will suit you best. It’s easy to turn to a commercial bank when you think of applying for a home loan because most of us do our everyday banking with commercial institutions anyway. Commercial banks often offer discounts on home loans because of your loyalty through everyday banking. Borrowers are comfortable with who they are familiar with. Truthfully though, familiarity with your bank doesn’t guarantee them as the best option. Loan officers also differ depending on weather you decide to go with a bank versus a broker. Mortgage brokers often hold small operations, making the process of your home loan quicker because your file doesn’t have to go through as many hands. A loan officer that works for a broker is likely to be able to give your loan more attention than that of a loan officer at a commercial bank. Broker institutions are more intimate and offer the borrower a more involved experience. Also, it may be safe to say that loan officers who work for brokers are more knowledgeable about the business. Why? At commercial banks loan officers are required to do the general hours of study necessary to be licensed with the Nationwide Mortgage Licensing System (NMLS). With brokers, loan officers are required to do the same as well as required to be licensed in every state that they will do business in. In other words, LO’s at commercial banks get a general education of the market. LO’s who work for a broker obtain a more in depth knowledge of the market. Their knowledge is  not just based on the national standard, but also on the specific standard of each state that they operate in.   When doing your research always be sure to consult great sources. Check out the sources for this article below!  

3 Loan Documents You Should Know

May 18, 2017
Three Loan Documents You’ll Want to Know   Buying a new home (or refinancing your current home) is a process that requires quite a bit of paperwork. Thankfully, all of the paperwork isn’t thrown at you at once, instead it comes in stages. At each milestone of the loan process (beginning with disclosures and ending with your final loan docs), there is a different wave of documents that you’ll have to read and sign. Depending on your loan terms and any unexpected findings during processing you may even have to sign some documents twice (or as many times as loan terms change).  In this article, I’ll provide you with the names and descriptions of a few documents to keep in mind. The following documents are arguably the most important documents that you will encounter during the closing of your mortgage loan. The Loan Estimate The Loan Estimate, or LE for short, is a form that you’ll receive after applying for your home loan. You will receive a Loan Estimate from your mortgage lender no later than three days after completing your application. The Loan estimate shows the terms of the loan program you’re applying for, estimated payments based off your desired loan amount, and it shows your closing costs. If you’ve done a mortgage loan before (prior to October 2015), the LE replaces what you formerly knew as the GFE, or Good Faith Estimate. Your loan estimate is designed to clearly explain the cost of closing a loan. The Closing Disclosure The Closing Disclosure, or CD for short, is a form that is very similar to the Loan Estimate. The CD has updated fees and loan terms and shows not only what you will pay to close your loan as the borrower, but it also shows what every other party is doing financially. If your lender is giving any kind of credit towards your loan it will show on the CD. The CD also reflects when loan fees will be paid, either before closing, at closing, or by a third party. After you sign your initial Closing Disclosure you have 3 days to ask any questions or change your mind before your final loan docs are drawn up. Every financial transaction that will take place during the closing of your loan will show up on the CD, read it carefully! The Note The Note in mortgage is the contract you sign at closing that details the amount of your loan, the interest rate, the payment due date, any penalties for late fees and other important financial info regarding your loan. This is the document that marks your home as collateral with your lender. If you were to default on your loan, having signed your Note puts you in a breach of contract and it’s what banks will refer to if you can’t or don’t pay your mortgage. Signing your Note is your promise to pay. Similar to how a car dealer holds the title to your vehicle until you have

Your Home’s Feng Shui

May 12, 2017
Affecting Your Home’s Feng Shui Feng Shui (pronounced “fung shway”) is an idea adopted from ancient Chinese culture that describes how the placement of objects in a particular space affect the energy flow in that space. If you believe in energies, vibrations, and auras then you’ll probably want to arrange the furniture in your home in a way that will give you the most positive feelings. The idea behind feng shui is that the inside of your home is a reflection of the inside of your soul. A clutter free home is a clutter free spirit and a clutter free mind. The feng shui of your home is affected by what you have inside of it. So if you let the trash cans pile up and allow the sink to run over with dirty dishes, you’re killing the feng shui or, the good energy in the room. Since those of us who work demanding jobs don’t always have time or the energy to just sit at home, it’s nice to have positive vibes flowing when you do get to be home. No one likes to come home to a disorganized house. Having a good amount of light in your home also adds to the positive energy flow. The sun itself is a big ball of energy, and we’re lucky enough to have the sun shine down on us every day. It’s easy to take advantage of the sun’s positive energy by opening the blinds or drawing back the drapes. Allowing fresh sun rays in your home from day to day is sure to stimulate the feng shui in your house. There are five basic elements of Feng Shui. They include Wood, Fire, Earth, Metal, and Water. These elements can also be expressed in colors or shapes. The Wood represents growth and creativity. Fire represents expansion and transformation. Earth is for stability. The Water represents clarity and relaxation. Metal (my favorite element) represents mental power and sharpness, it has a lot to do with intelligence. Having some form of these 5 elements in your home is thought to bring your home balance and solidity. Though you do not need to have a deep understanding of Feng Shui to apply it to your home, it’s a great practice to put in place. There are tons of articles about Feng Shui and Chi and Chakras and how they all can affect you and your home. The point of it all is to give balance to your mind and your wellbeing. Whether you spend a lot of time or a little time at home, Feng Shui can help you to feel incredibly relaxed and peacefully organized.       When doing your research always be sure to consult great sources. Check out the sources for this article below! https://www.realsimple.com/home-organizing/decorating/what-feng-shui/feng-shui-living-room. https://www.thespruce.com/create-good-feng-shui-in-your-home-1275057 https://www.thespruce.com/feng-shui-tips-for-beginners-1274536 http://www.feng-shui-and-beyond.com/feng-shui-elements.html  WHITNEY RUSH, VALLEY WEST MORTGAGE