Tips for First-Time Home Buyers If you search the internet for ‘home buying’ you’ll find an abundance of tips and tricks but they’re all pretty much the same. The end result is you purchasing your dream home so we’re here to help you through the process from start to [...]
Conventional rates today fell considerably today but, do you know what does effect the rates to rise and fall as they do? The most crucial clues offset each other — Return of investment (Treasury Yield) on the government’s debt obligation rose while oil prices fell. Shown below are some [...]
We know with any purchase process gathering all of the necessary documents can be quite hassle even for the most organized. All lenders want and need detailed information about your finances to determine if you quality for a home loan. We’ve provided a basic list that can help assist with [...]
How Do You Shop for Rates? The top tools for mortgage shopping Over the years, shopping for a mortgage has become better than ever. Purchasing a home is more accessible online and mobile, which makes the process more fitting for those of us looking for our dream home. Valley West Mortgage is here [...]
Some changes took effect at the top of this month that could have amazing results on your credit score! We’ve talked about the importance of your credit score in some of our recent posts. Your credit score—more importantly your FICO credit score (which is a combination of your credit scores and [...]
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 [...]
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 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 [...]
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 [...]
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 [...]
