valleywestortgage_financial

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

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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

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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

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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

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Three Square is a Feeding America affiliate, serving four counties in Southern Nevada: Clark, Nye, Lincoln and Esmeralda. Three Square and Feeding America estimate the number of food-insecure persons in our service area to be more than 296,000. Food insecurity occurs when people aren’t able to secure enough food for a healthy diet and active lifestyle, at some point during the year. We at Valley West Mortgage love to make contributions to our community and

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With a count of 75.4 million people, Millennials are the United States’ largest living population, surpassing the Baby Boomers who’s population consists of 74.9 million Americans. Millennials are those citizens that were born between roughly between 1983-1999, currently those between the ages of 18-34 in 2017. Millennials, being the largest age bracket in the US, are also the largest population expected to purchase homes this year. Millennials however, also have reservations when it comes to

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In today’s economy, we know a mortgage as a financial agreement made between a borrower and a bank to purchase a home. Houses typically cost more than a person can pay for out of pocket and/or all at once. Since banking institutions have the means to make large purchases, they can give you a loan for the house you wish to buy and allow you to pay them back over time. So, the mortgage agreement

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valleywestmortgage_downpayment

With interest rates at an ideal level, employment rates up, and more credit available to borrowers as of late, the housing market has opened a window of opportunity for you to purchase a home. However, borrower’s often find it difficult to meet the demand of a down payment. What if I told you that there’s a chance for assistance with your down payment? Various state, county, and city governments offer financial assistance to borrowers (who

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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

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What exactly is a refinance? Simply put, a refinance (or REFI for short) is a loan that has been financed again. There are dozens of beneficial opportunities that are presented to homebuyers that choose to refinance. In most cases a refinance allows for the borrower to obtain a new loan with a lower interest rate and lower monthly payments. It’s important for current homeowners to know that a refinance could mean saving some money every

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