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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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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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
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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
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3 Financial Problems We All Face Handling money is a challenge for everyone. Whether we admit it or not, making money and saving it is a hard thing to do. Most Americans live the paycheck to paycheck cycle, only having enough money to last them until they get paid again. In this article, we’ll recognize a few of the most common money mistakes that we all make and how to prevent them. Living the Check
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One of the terms that is often used in the mortgage business, especially during the closing of a mortgage loan is “Escrows” or “Escrow Account”. An escrow account, sometimes called an impound account, allows you to pay the homeowners insurance and property taxes on your home. It’s important that your taxes are paid on time and in full to the county tax assessor to avoid penalties and tax liens. Essentially, every month the deposit amount
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