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Why You shouldn’t miss a payment

July 16, 2015
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. Missing a Payment is just a bad idea 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. Other Payment Articles

What is Debt To Income

June 17, 2015
Your debt to income ratio or DTI, is a figure that allows a lender to analyze your monthly spending habits. They use your DTI to determine how you manage your money. You want your debt to income to be as low as possible to ensure that your chances of being offered a lower rate is better. How much debt do you have this month? Think about all of the bills you have to pay for the upcoming month. Now divide that number by your gross monthly income. The resulting figure is your percentage of debt to income. For example, Brandi pays $720 monthly for rent, $235 monthly for her car note, $200 monthly for her car insurance, and she makes about $100 monthly in credit card and utility bills. Brandi earns $4000 every month before taxes. So if we add up Brandi’s debt expenses and divide them by 4000, we get approximately 31%. An article from recommends keeping your debt to income ratio below 43% based on evidence from studies on mortgage loans. So when our friend Brandi is ready to move from her apartment into a new home, the bank will be eager to get things started for her, knowing that her debt to income ratio is low and that she has the ability to repay her loan. Debt to income factors Another factor that can help your debt income ratio is paying your bills on time and in full. Most banks offer the option to have money from your account wired directly to the institution you wish you pay. You can even customize the time and date that the wire will be released. As a result, before applying for a mortgage loan be sure that the job you are currently holding will provide you with the means to pay your current bills and a house payment. Higher income means more flexibility to play around with financing options. What lenders don’t want to see is that you spend six months at every job and then bail. It shows instability and lenders won’t be so open to lending their money to someone who is in the business of making risky decisions by jumping from job to job. Be sure to use that steady job to help build your savings. Why? Because of a thing called a Cash Reserve. Your cash reserve is your safety net. Money that you have saved up between your bank accounts will be evaluated by your lender. This extra money lets the lender know that if you fall on hard times or your expenses for some reason go up, you will still have the money to pay your household bills and still make regular payments on your loan, therefore keeping your DTI constant. What lenders typically look for is a cash reserve that will hold you over for two or more months, so be sure to pad those savings accounts. Debt to income is an important factor when applying for a home loan. Be sure

Choosing the right lender

June 16, 2015
Choosing the right lender is one of the most important parts of applying for a home loan. Loan officers are the men and women who work for the lenders and banks that will be in charge of your loan. They are in a sense, the face of the company. Good loan officers work in your favor to get you the best type of loan for your home. But if you’re like me, you don’t just want a good LO (Loan Officer), you want a great one. You want an LO that is going to go above and beyond to meet your needs, not an LO that just talks a good game. You, as a potential borrower, have to do your homework. You want a Loan Officer who works for a credible mortgage company. Valley West Mortgage for example, does hundreds of loans, as a lender, every year and has been around as a business for ten years. You can find all of the Valley West Mortgage Zillow reviews here. Next it’s time to speak with a Loan Officer. Are they friendly? Have they taken the time to answer all of your questions? Think on these things. If you can positively answer these questions about your LO, and your lender, then it’s a safe bet you are the hands of an LO and a Lender who will work in your favor. More about your lender So where can these superb Loan Officers be found? If you’re in the Las Vegas area, Valley West Mortgage is your answer. Even if you’re not in the Las Vegas area, it’s possible that you may be in one of the many surrounding states that we offer services to. Our LO’s do a critical analysis of your finances and determine what type of loan is most advantageous for you, while they hunt for the best rates in the country. They are here to help you get your monthly payments to the lowest amount that the banks will allow. Valley West it isn’t just about building a business, it’s also about establishing relationships with our clients. We want to retain our clients so that when rates get even better we can offer them the chance to refinance. Our borrowers benefit because a refinance allows for a new payment schedule to be created with better pricing. We benefit by getting another chance to prove to our clients, and prospective clients, just how skilled our LO’s are and that we are the best mortgage lender in the business. Lender Analogies You wouldn’t just go to anyone for a haircut. You would go to a stylist whose work you have seen or heard about, someone credible. Likewise for your first home purchase, you should go to someone who not only specializes in first time purchases, but also has improved the process of purchasing a home. There are lots of lenders in existence, but at Valley West Mortgage we pride ourselves in having the best of the best. We won’t just