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We are the premier Mortgage Broker in Las Vegas, NV. We have become experts in a variety of Las Vegas 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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The Town Mouse and the Country Mouse

April 17, 2017
One of the most widely known collections of children’s stories ever written is the book of Aesop’s Fables. Aesop’s fables are a collection of simple fairytales that give life lessons to children through the art of storytelling and if your parents read you Aesop’s fables as a kid, you’ve heard the charming story of the Town Mouse and the Country Mouse.  This touching story tells of two mice, cousins as the story goes, one who lived in the city and one who lived in the country. By the end of the story, the readers learn a valuable lesson about appreciating the environment that they live in. As humans, we know that there are several choices to make when it comes to choosing a living environment for our families. The difficulty comes when trying to make the right choice. At Valley West Mortgage, we conduct business in over a third of the states in the country, so needless to say, our borrowers have lots of options. City Life Living in the city almost always means that you’re living in close proximity to restaurants, cafes and shopping centers. Businesses that operate in the city are also known to stay open later which is convenient for people whose work hours aren’t the typical 9-5. Cities are also always changing with new construction and rerouting to improve and expand the city. Las Vegas is a great example of a city that’s always under construction. We’re always taking out the old and putting in the new to keep our city looking modern and appealing. Statistically, homes also appreciate more quickly in the city because of all of the construction that goes on. Homes in Las Vegas that are near the new site of the coming Raiders Stadium will likely be more valuable once the stadium is complete because residents will be so close to our new NFL Team. Cities are almost always home to large attractions and tourist centers so there’s always some kind of activity to do. Last but not least, transport is something that’s definitely more abundant in the city than in the suburbs. Busses often run on a 10-15 minute schedule to accommodate the amount of people that use public transportation. Cab and Uber drivers are also always only a few minutes away. There are some cons to living in the city though. All of that transportation means that there’s traffic and in big cities like Los Angeles, there’s a more than enough to go around. Attractions and tourist centers means lots of tourists and lots of hustle and bustle around the city, which means a lot of noise. Construction around the city means longer commutes and plenty of detours around developing areas.   Suburban Life Living in the suburbs comes with more free space for developing your home. City homes are often smaller in comparison and lack yard space because of the need to accommodate so many people in a set number of square miles. In the suburbs, you have more

Fresh Pets

April 11, 2017
Our Furry Friends Here’s an interesting statistic: 85 million families in the United States own pets. Dogs, cats, iguanas, snakes, even pigs! You name it, there’s someone out there who’s got it. Our little cozy critters and loving companions bring us comfort, love and protection. But how has having a pet affected your home? If you’ve ever house broken a dog, you know that it can be an exasperating task. I don’t even want to imagine what it’s like trying to house break a pig. Our homes are an important asset in our financial portfolios, so it’s important that we keep them in good shape. How many of us have walked into someone’s home and instantly smelled the odor coming from a litter box? Let me tell you, it’s not pleasant. In this article, we’ll discuss a few ways to keep your home looking and smelling like it’s pet free, even if it’s not. House Breaking House breaking is potty training for your pet. It’s specifically important for dog owners. If you plan to leave your dog out while you’re not home, the use of pee pads will definitely be necessary until your pet is accustomed to a regular schedule where they know when you will be home to let them out. Take time with your pet to train them. Pee pads will keep your carpet clean during training (if you can convince your puppy to use them). There’s also crate training, with idea that if you keep your dog in it’s cage then he won’t pee just because he doesn’t want the pee in there with him. Dogs are smart, they can figure out the pattern. They’ll eventually learn and sense what time you will be home, and hold it until then. Zoning your Home You can create “Zones” inside your home that are pet free like the kitchen or the bathroom. I’ve known people that had pets that were never allowed to come upstairs, for example. That way your pet doesn’t carry his hair into every room in the house.  If you can cut down on the amount of shed hair around the house, you can cut down on the odor it carries. You can also use kiddie gates to keep pets out of certain spaces. Although, if you have an animal that is prone to shedding, some pet hair will always transfer from room to room just on your clothes. The idea, is that what few strands of hair that transfers from your socks into the room will be cleaned up with your weekly dusting. Also, the less time your pet spends in a particular room, the less likely the room is to smell like them. Using Baking Soda There are plenty of products out there that are designed to eliminate pet odor. You may have one in your refrigerator door though that you’ve been forgetting about. Baking soda is a fantastic odor eliminator, especially when used on the carpets. Baking soda has the chemical ability to

Preparing for Your First Mortgage

April 10, 2017
Buying a house is not something you should do without some good financial knowledge and advice. Your first mortgage should be thoroughly thought out and well planned. Now that you’re thinking of purchasing a home, use the next 12-18 months or so to prepare yourself. Prepare Your Credit Early Houses are not cheap. In order to pay for one, you’ll have to get a home loan and pay it off in monthly installments. How much you’ll have to pay is dependent upon your mortgage lender and your credit score. You credit can take a while to build and even longer to repair if it’s damaged, so start working on it early. See an article by Megan Ortiz on how to Establish, Raise, and Maintain your credit score HERE . Get into the habit of paying everything on time even if it doesn’t go on your credit report. Make a detailed list or a spreadsheet of all of your financial responsibilities from utility bills to student loans. If you practice good habits, eventually they will become second nature. Be meticulous about getting things paid on time or early if you can. Practice makes perfect. Pay Off Your Debt Loan officers are going to calculate your debt to income ratio, so the less debt you have the better. Things like car notes and credit card payments will be looked at and taken into consideration before a lender will agree to give you a loan. If the total amount of the debt you already have plus the debt you will have after being given a home loan will exceed 43% of your total income, you’re going to have a tough time getting someone to lend to you. So be sure to calculate your debt and pay it down to the lowest amount possible. Visit Valley West Mortgage and Meet with a Loan Officer Before even looking at homes, it’s a good idea to sit down and chit chat with a loan officer. Let him or her know your intentions, what kind of home you wish to buy and how much you’re willing to spend. He should be able to run some numbers for you and give you a breakdown of how much you can afford and how much his company would be willing to lend to you, including rates and such.You want to feel comfortable doing business with your chosen mortgage company so ask as many questions as necessary. Any loan officer that isn’t willing to take his time with you and answer your questions isn’t worth your time. Keep Accurate Records Start keeping your tax returns, pay stubs, and banks statements in a safe and secure place. In this digital age, it’s easy to order your financial documents from the IRS or from your bank, so be sure to acquire and retain a few copies somewhere at home, as these are documents that you will have to provide to your mortgage company when they are processing your loan. Don’t Over Spend As

What If You Miss a Payment?

April 6, 2017
Though we strongly encourage you to never miss a payment (because of the negative repercussions that it could have on your credit), we’re aware that sometimes things happen that are out of our control. Missing a payment on your mortgage loan may seem like the end of the world. In most cases, you know ahead of time that you are going to miss a payment. In a more drastic scenario you may be faced with a situation where you have to use your mortgage money for some other dire expense at the last minute. Either way things happen, and lenders know that. If you’ve reached the point where you can’t pay your mortgage it’s probably safe to assume that your savings are running low and your other bills may be suffering as well. Don’t let things get out of hand. Instead, take control of the situation before it becomes financially overwhelming. Begin by speaking to your lender. It’s imperative that you let them know your financial situation before you actually miss your payment. This is why it’s important to choose the right lender before actually taking out a mortgage loan. You need to know that if a time of struggle comes, your lender will have your back. Find comfort in knowing that you are not the first nor will you be the last person to miss a mortgage payment. Your lender should be able to design a payment plan to best suit your needs. A payment plan will keep you mortgage paid, keep your lender happy, and keep your credit in good standing. It’s not okay to simply ignore the issue. Ignorance is not always bliss. Banks are experts at knowing where their money is and when it should be coming in, and it doesn’t take them long to figure out when some of it is missing. Some banks will allow a grace period of a few days for you to provide payment without incurring a late fee. Other lenders may even let you skip a payment and make up for it the following month. Ultimately, non-payment of your loan can and most likely will lead to foreclosure. However, there are steps and programs out there in existence to help you stay current with your payments. Your home loan is one of the biggest investments you will ever make. Because of this, your mortgage payment is going to be amongst the highest of your monthly expenses. The best advice we can give to prospective and even current borrowers is to plan ahead by making sure that you have your own financial safety net. This is one of the things that lenders will check for before granting you a home loan. Don’t deplete that savings account just because you got approved for your loan. You never know when it might come in handy.     When doing your research always be sure to consult great sources! Check out the sources for this article below! http://www.dailyfinance.com/2015/06/11/what-happens-when-you-miss-house-car-payments/ http://homeguides.sfgate.com/pay-mortgage-payment-late-affecting-credit-score-9665.html   WHITNEY RUSH, VALLEY WEST