Compare refinance options for your Las Vegas home

Start with your current balance, rate and remaining term. Compare the costs and total payment before deciding whether a new mortgage fits your plans.

Compare the whole loan, not only the rate

Account for closing costs

Review lender fees, third-party charges, points, lender credits and cash to close. A loan described as no-closing-cost may use a higher rate or add costs to the loan balance; the costs do not disappear.

Compare the remaining term

A lower monthly payment can come from stretching repayment over more years. Compare the new term with the time left on your current loan and consider the total interest, not just the next payment.

Discuss your circumstances

Your property, occupancy, income, credit and loan goals affect available options. Ask which assumptions were used and what documents or conditions still need review.
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Know what changes with a refinance

A new mortgage can change the rate, repayment term, balance and costs. Savings and eligibility depend on your situation; a refinance is not automatically a better deal.
Compare an estimate with your current loan before making a decision.
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*Finance charges may be higher over the life of the loan. Valley West Mortgage, NMLS #65506. Equal Housing Lender. Loan availability and terms are subject to credit approval and program guidelines. This is not a commitment to lend.
Rate/Term Refinance
A rate-and-term refinance replaces your existing mortgage with a new loan, generally to change the interest rate or repayment terms rather than receive substantial cash out. Compare the costs and new repayment schedule; a lower rate or payment is not guaranteed.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger loan and pays you part of the difference after the existing loan and applicable costs are paid. It uses home equity and increases the debt secured by your home. Available amounts depend on the program, property and borrower qualifications. Compare it with other ways to meet your goal.
Fixed Rate Mortgage
A fixed-rate mortgage keeps the same interest rate for the loan term. For a standard fully amortizing fixed-rate loan, scheduled principal and interest stay the same; taxes, insurance and mortgage insurance can still change the total payment. Check the loan documents for any prepayment penalty.

Understand the steps before you proceed

01
Discuss your goal
Tell us the property state, whether it is your primary home or another property, your refinance goal and your expected timeline. Have your current mortgage statement available for the conversation.
02
Apply and compare estimates
If you choose to apply, provide the requested information and review the Loan Estimate. Compare the loan amount, rate, APR, term, points, lender credits, total payment and closing costs. Ask whether the rate is locked and when that lock expires.
03
Complete underwriting
The lender reviews the application, supporting documents and property information. Respond to any requests and review the conditions that remain. An estimate or an initial conversation is not final loan approval.
04
Review closing documents
Before signing, compare the final loan terms, closing costs and cash needed with your earlier estimate. Ask about differences. Closing and funding depend on the required documents, approvals and applicable timing requirements.
Your current mortgage
Have your latest mortgage statement, current balance, interest rate and remaining term ready. Separate principal and interest from taxes, insurance and any mortgage insurance when comparing payments.
Preparation checklist
Your reason to refinance
Identify your main goal: change the term, compare a new rate or consider cash out. Note how long you expect to keep the home or loan so the costs can be weighed against your plans.
Comparison checklist
Your questions about costs
Ask which costs are paid at closing, financed into the balance or offset by lender credits. Compare the total payment and repayment period, and ask what is still conditional.
Questions to bring

Talk through your refinance options with Valley West Mortgage.

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