So What Does This Mean To Buyers?

Time to get PreQaulified. Know your purchasing power. Prices are going to continue to climb, act now before you are priced out of your future home. Call me direct for personal professional care. Suz (702) 427-4075 (CA and NV) click for more....http://goo.gl/bnllTt

Buy vs Rent: What Really Creates Family Wealth?

“Homeownership long has been central to Americans’ ability to amass wealth; even with the substantial decline in wealth after the housing bust, the net worth of homeowners over time has significantly outpaced that of renters, who tend as a group to accumulate little if any wealth…As a means to building wealth, there is no practical substitute for homeownership.” -New York Time - Editorial

If you are a renter who is considering making a purchase, sit with a local real estate professional who can explain the benefits of signing a contract to purchase over renewing your lease!

What Really Creates Wealth

If you need help because you have concerns about qualifying for a home loan, I am can help you.  I have over 20 years experience the Real Estate industry.  My expertise is taking a personal interest in your long-term happiness.  If owning a home is important to you, call me today to get started (702) 427-4075. - Suz' 

Please kindly remember I work by referral only … it is the heart of my business.  I focus 100% of my time providing world-class service to my clients and building lifelong relationships. In return for this high level of commitment, I ask you to refer your friends, family and associates.  You can expect that they will receive the same level of concern, personal attention, and commitment that I have pledged to you.

-Very Truly,

Mary "Suzohne" West Sr. Loan Officer

(702) 427-4075
(NMLS 257735 // CA-DBO25735 // NV 41975)
SecurityNational Mortgage Company (Lic 3116)
Direct: (702) 427-4075 // Direct Fax: 1 (888) 218-9265 // suzohne.west@snmc.com
3285 N. Fort Apache Rd., Las Vegas, NV 89129 // Main (702) 562-8733

	William Jepson "I am pleased to take this opportunity to comment on the terrific customer service that Suzohne West provided my clients and myself during every transaction we closed together. I met Suzohne while I was a member of "By Referral Only" (a coaching and referral based business system). I was looking for a like minded loan officer to work with my clients. What better place to find one who was also a member of the same organization. Boy, did I hit the jackpot. We began working together closing several transactions making our clients want to refer our services to their family and friends. From the outset, Suzohne was extremely proactive. Every step of the way, Suzohne was out in front making sure that everything progressed on time with absolutely no surprises. Communication is key to every business transaction. Suzohne nailed it every time. Suzohne's professionalism and personable approach make her an absolute delight to work with. She’s a keeper!"
	Anna Avina "Suzohne West, worked very long and hard to help me get into a house. When i first met her two yrs prior to buying my home i did not even qualify for a home loan. She pulled my credit explained what needed to happen introduced me to the right credit Repair company abd kept in constant touch with me during my prep time. Most people would have walked away once knowing i did not qualify for a home and that it would be some time before I would be ready. When we were ready, she knew what loan program would be the best fit for me. She was always available and extremely knowledgeable! I will be forever grateful she helped make our dream come true!"
	Megan Heryet "I was referred to Suzohne for a refi from another mortgage broker. Our refinance was kind of tricky because of the terms of our old loan and our local market. She found a product that exceeded all our expectations and was flexible when new circumstances arose. She was ALWAYS available by phone or email--a rarity! I think the fact another mortgage broker referred her speaks volumes about how much trust people put in Suzohne."
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Renting vs Buying....Somthing to Think About?......

Something to think about..... 

What is keeping you from buying? 

Are you paying too much in rent when you could own? 

Allow me to show you
- How much home you can buy
- And your loan options some with low to no down payment
Call me to get started and get answers: 

Suzohne West, Sr. Loan Officer
SecurityNational Mortgage Co (#3116)
Direct: (702) 427-4075 

 

 

What you can afford to pay each month for your mortgage?

You’ve decided what you can afford to pay each month for your mortgage. Great! But have you considered the other expenses that may be part of your monthly payment?

Four components typically comprise your payment: principal, interest, taxes and insurance. You may see these referred to as PITI. Here’s an explanation of these pieces.

• Principal: A portion of each mortgage payment is dedicated to repayment of the amount you originally borrowed, the principal. For example, if you borrow $100,000, that’s the principal. Loans are structured so early in your mortgage’s term, your payments will be applied mostly to the loan’s interest. As the term of the loan progresses, you’ll pay off more principal.
• Interest: The lender charges you a percentage of the loan’s principal to offset the risk he or she incurs by lending you money. Because the interest rate on your loan directly relates to the size of your payment, a higher interest rate leads to higher monthly payments.
• Taxes: Depending on where you live, property taxes can be a significant amount of your monthly payment. These taxes for local schools, city and county services, and other local entities are based on the tax rate for each of those taxing authorities and the appraised value of your property. Your yearly bill is divided by the total number of payments in a year, and your lender collects the appropriate monthly amount, holds that money in escrow, and then pays the whole bill when it’s due.
• Insurance: Two types of insurance coverage may be included in your payment. Just like the property taxes that you might pay in small amounts instead of one annual bill, insurance payments can be made with each mortgage payment and held in escrow. The first type of insurance is property insurance, which protects the home and its contents from fire, theft, and other mishaps. The second type of insurance is PMI, which stands for private mortgage insurance. If you have a small downpayment—typically less than 20% of the property’s value—you may be required to have PMI. This insurance gives the lender protection in case you default on the loan.

Some lenders allow you to handle taxes and insurance on your own, which gives you a lower monthly payment—but you must budget for those big, annual expenses. Talk with your lender to understand what your total monthly outlay will be.

Call to get help and get started today:  

Mary "Suzohne" West Sr. Loan Officer

(702) 427-4075
(NMLS 257735 // CA-DBO25735 // NV 41975)
SecurityNational Mortgage Company (Lic 3116)
Direct: (702) 427-4075 // Direct Fax: 1 (888) 218-9265 // suzohne.west@snmc.com

3285 N. Fort Apache Rd., Las Vegas, NV 89129 // Main (702) 562-8733

Rent vs. Buy

Ever ask yourself why? Which is better for you? Easy tool to compare your options: http://ow.ly/M2oSz

Time to Put Money in Your Pocket (with Lower Interest Rates)

A weakening international economy has caused a volatile U.S. stock market and more importantly for home owners lower interest rates.  Many economist thought mortgage rates would rise to 5% by year end and we are seeing rates much lower.  There are now good investment opportunities for you as a home owner including refinancing, buying a larger home or buying a rental home or 4-plex for added income.

If you have not reviewed your mortgage interest rate, now is the time since it may make sense to refinance.  If your monthly savings on payments can pay for the refinance cost in 2 years or less, it may be worth it.  I would stay with a 30 year loan unless you know for sure a move is in your near future.

You may want to take advantage of your home investment by up sizing if you have a growing family.  A lower rate mortgage in a larger investment home will put more money in your pocket over the next few years as your home appreciates.

Investment income property is the most exciting opportunity because you can build millions in net worth through this process.  Lower interest rates create higher cash flow allowing you to retire earlier.  Many happy real estate investors buy and hold or exchange for larger property.  The extra cash low in your life of thousands per  month is a wonderful and thought provoking idea.  The impact on positively changing your family's life as a result of extra cash flow is exhilarating.  

Take advantage of our our low interest rates before they rise. 

Call direct for all your real state finance needs (702) 427-4075 or click here:

Get Started Today (30 Second Application)

-Truly,

Mary "Suzohne" West, Sr. Loan Officer  (#257735)
Dir: (702) 427-4075  // Ofc:  (702) 562-8733

SecurityNational Mortgage Company (#3116)
3285 N. Fort Apache Rd, Las Vegas, NV 89129

Exciting News: California and Nevada

Within the next 60 days, I will be licensed in both California and Nevada.  I am excited that I can extend my personal care for your home loan needs in both states.  I will continue to provide the best personal care and competitive low mortgage rates.

Here for you  7 days a week:  (702) 427-4075   // Suzohne West