Mortgage news and helpful tips

VA Termite Inspections by State: Requirements and Costs

Are you a service member, veteran, or part of a military family seeking a safe, sound, and sanitary home through the VA home loan program? Ensuring your prospective property is termite-free is as crucial as meeting other essential homeownership requirements. Join us as we explore VA termite inspections by state, discovering where these inspections are […]

New VA Funding Fees Announced for certain VA loans!

On February 14, 2023, the VA announced they will be revising some of their funding fees, to make it more affordable for the purchase or construction of a home. Read about the Funding Fee Charge Update here on the VA’s announcement. Here are the Current VA funding Fees and the new VA Fees for Loans […]

HUD MIP Pricing update and what it means for you!

The HUD released details of a long-anticipated plan to reduce the annual MIP (mortgage insurance premiums) that are currently charged to FHA borrowers by 30 Basis Points (0.3% of the loan balance). HUD Secretary Marcia Fudge made the announcement February 23rd, at Bowie State University. The premium will be reduced from 0.85 percent to 0.55 […]


With the mortgage market in such a volatile state, it is important to be aware of all your options for purchasing a new home.  A buydown is one such option, and uniquely applicable for the rates in today’s environment. What is a buydown?  A buydown is a mortgage option where the payment is reduced temporarily […]

Have you considered a 203(K) Rehab Loan?

What is a 203(K) Rehab loan? Section 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.   Simply put, you can purchase or refinance a house that needs some help! […]

What Are the Four C’s of Credit? How Lenders Qualify You for a Mortgage

There’s no doubt that one of the most important and often daunting steps in the homebuying process is qualifying for a mortgage. By understanding what lenders look for - the four C’s of credit - you can set yourself up for success and a smooth-sailing mortgage underwriting process. So, if you’re currently renting an apartment […]

What are the benefits of Mortgage Refinancing? Shares Valley West Mortgage, a 2022 ThreeBestRated® award-winning Mortgage lender company from Las Vegas, Nevada

If you’ve got a mortgage, it’s certainly bound to be one of your significant financial commitments. Professionals like Vatche Saatdjian, President/CEO of Valley West Mortgage, expect mortgage rates to rise slightly due to inflation, and Fed tightening, and also believe the market will continue to expand this year, although at a slower pace (thanks to […]

Mortgage Rates April 27, 2020

Mortgage Headliners:  Getting Answers...Should I delay my mortgage payment... Homeowners with federal loans won’t have to pay lump sum after pausing payments Coronavirus related forbearance requests still on the rise… The housing industries response to the corona virus… Nearly 10% of FHA and VA borrowers are in forbearance. Total forbearance nearing 7%... We’re watching the […]

Coronavirus-FHA 680 FICO

Things are moving so quickly in the market with the coronavirus being at the forefront, everyone is feeling hardship across the board. FHA Loans provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories.  It is one of the largest insurers of mortgages in the world, insuring more than […]

Mortgage Rates March 17, 2020

Mortgage Headliners:  Economist predicting emergency rate cut this week… Negative Interest Rates Unlikely… Coronavirus economic package in full... Trump is considers letting homeowners delay mortgage payments... We’re watching the market closely… If you’re in the market to purchase or refinance give us a call today (888) 931-9444 or (702) 696-9900

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