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

One Sentence Financial Wisdom (Las Vegas Nevada Mortgage)

Simple financial rules to live by.  Love number 32.  I can help you understand and get approved for a home that you will love and still have quality of life. One Sentence Financial Wisdom

If you have mortgage loan questions, I am here to answer them, call me direct (702) 427-4075.

If you would like me to call you first, simply complete the fast and easy "30 second" loan application.

 30 Second Online Mortgage Application

Mary Suzohne West, Sr Loan Officer
SecurityNational Mortgage Co
www.westhomeloan.com

#40 It Only Gets Better (Las Vegas Mortgage Help)

Great article love #40 It Only Gets Better....if I can help you make it better with homeownership or a refinance call me direct at (702) 427-4075 Suz' wow.westhomeloan.com

http://www.savvysugar.com/45-Life-Lessons-Written-90-Year-Old-Woman-34209890

Mortgage News - Housing Stays Strong into New Year (Nevada Mortgage)

Home loan applications increased in early January, as a weaker-than-expected December employment report sent interest rates lower. Home loan rates had been on the rise up until the report, and just as the Fed announced its decision to "taper" its Bond-buying stimulus efforts. Both purchase, as well as refinance loan application volume increased by 12 and 11 percent, respectively, on a seasonally adjusted basis, according to the Mortgage Bankers Association. "The drop in rates was (also) large enough to trigger a pickup in refinance volume," said Michael Fratantoni, the MBA's chief economist. The rise in purchase applications could be a signal of a strong home buying season this spring. Many in the real estate industry were concerned that new mortgage rules in effect mid-January would knock some potential borrowers out of the market. In reality the impact may be insignificant, considering that 95 percent of mortgages originated last year would still qualify under the new rules, according to the Consumer Financial Protection Bureau. "Rising home prices, historically low mortgage rates, and significant pent-up demand will drive a continuing, gradual recovery in the year ahead," said the National Association of Home Builders Chief Economist David Crowe. Confidence among U.S. home builders stuck in January after a bigger jump in December, according to the NAHB's monthly home builder sentiment index. The index came in at 56—and with 50 being the difference between positive and negative, it showed that builders are still optimistic about housing market conditions. For existing homes in the market, the National Association of Realtors reported that sales of previously owned homes climbed 1 percent in December, following a 4.3 percent drop in November. The demand for housing and its available supply will continue to influence the nation's economic health. If you have questions and want answers call me direct to get started (702) 427-4075.  Suzohne West, Sr. Loan Officer, SecurityNational Mortgage Co

Las Vegas Foreclosures and Mortgage Loans

Want to buy one of the Las Vegas foreclosures and discounted homes? If you are buying a home for your first time, there are a lot of things you have to take into consideration.

The first step is to go ahead and apply for a mortgage loan. Now you have to ask yourself: will my application be approved for the mortgage loan? Would you be able to borrow hundreds of thousands of dollars and have this debt for years? Before you start asking your self these questions, it is important to keep in mind that many people have mortgages on their homes, so you don’t have to be worry. You are not alone. Most people who buy a home usually take out a mortgage loan.

The mortgage loan is also similar to a car loan, in which the lender agrees to provide you with a large sum of money to buy a home in exchange for your agreeing to payback the borrowed amount at the stipulated period agreed upon by both of you.

Most Mortgage lenders are more careful about lending money than credit card companies or auto lenders. The reason is that the lender knows that he is barring a big risk. So, if a lender is going to loan $400000 or so far a property, it wants to limit the risk to you not paying back. There are many ways the lenders go about it.

Applying for a mortgage loan is more detailed than anything else you have ever applied for. This is the biggest financial transaction for most people. In this type of loan the bank is looking at your ability and reliability when it comes to paying back the loan at the stipulated period and amount.

Before the lender accepts your request, they first of all look at issues such as your credit score to assess if you have acted responsibly with the previous debts. The bank looks at your earning history and annual income to determine if you be able to meet the monthly mortgage payments, you also need to be paying the property taxes on the property it is from all these examinations that you will either be approved or rejected for a mortgage loan.

If you are already approved for a mortgage loan, just go ahead and purchase the property you wanted to buy. And meet all you financial obligations for the loan, monthly payments, maintain homeowners insurance, pay the property taxes, etc. When you do all these things the loan will slowly be paid off and you will gain equity in your home or property. But if you don’t pay the loan for any reason, the lender will foreclose on your property and send you out. The bank will then try to sell this property as a foreclosure. There are many foreclosures in Las Vegas because a lot of people borrowed more than they could afford.

So asking for a mortgage loan should not be a problem. Many people have done so successfully. To always be on the save side, be pre-approved for a specific amount prior to shopping your property. Or always meet specialist to give you advice before you go into the mortgage loan prior to looking for Las Vegas foreclosure homes and other discounted homes.

Get help and get started today, I am here to help you:

Suzohne West, Sr. Loan Officer (7020 427-4075
www.westhomeloan.com

Tax Breaks on Second Homes and Investment Properties - Las Vegas

Take advantage of these tax savings. If you are ready and have questions call me direct for personal and professional care.

http://realestate.msn.com/blogs/listed-loans.aspx?post=ae1450db-15e6-45fc-8629-aa71ede25194

Suzohne West, Sr. Loan Officer

(702) 427-4074

Mortgage Loan – Understanding FICO Scores (Las Vegas, Nevada)

Apply for a mortgage loan and you’ll soon become familiar with FICO scores. Here’s a primer on the infamous FICO scoring process.

FICO scores are merely a mathematical representation of your credit record. Credit records are simply a recording of your debts and assets. Credit card balances, for instance, are a debt that appears on your credit record, as do late payments, bounced checks and so on. Credit, of course, is a huge consideration in the mortgage loan process.

A “credit score” is a figure that represents an overall valuation of how you handle credit and the risk level associated with giving you more credit, to wit, a mortgage loan. The loan underwriter will review your credit report for items such as payment history on debts, debt balances and types of credit you already have. A summary of this information is represented by a figure known as you “FICO score.”

FICO

You may be surprised to learn that “FICO” doesn’t stand for any credit-related terms. Instead, it stands for Fair, Isaac and Company. This company developed the mathematical formula that produces the much loved or hated FICO scores. The FICO score assigned to you determines whether you love or hate the formula.

FICO scores come in a range of three digit numbers. The lowest FICO score you can get is 350. The highest FICO score is 850, a score for which bankers will bow at your feet. The higher your score, the better your credit situation and the more likely a bank is to provide you with a mortgage loan.

Most people do not have perfect credit. To this end, we find most people have FICO scores ranging from the low 600s to the high 700s. Mortgage applications typically are not rejected because of a few late payments.

If you’re considering purchasing a house, you should always try to pre-qualify for a mortgage loan. Getting a reading of your FICO score should be one of the first steps.

Get answers and get started today; call direct:  (702) 427-4075
Request to be contacted:  http://www.snmc.com/vegashomes 

Mary "SUZOHNE" West

Sr. Loan Officer (Lic 257735) // SecurityNational Mortgage Company (Lic 3116)

Direct:  (702) 427-4075  // Direct Fax: 1 (888) 218-9265  // www.WestHomeLoan.com

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

Email: West@WestHomeLoan.com  

Las Vegas Mortgage Loan Officer

I am starting this blog very simply. Hopefully my skills will improve and I will make this a more sophisticated experience in the future. 

First who am I, what I do, and what services do I provide? 

Mary "Suzohne" West, Sr. Loan Officer 

Direct: (702) 427-4075  // West@WestHomeLoan.com

SecurityNational Mortgage Company offers many types of home loans options for refinances, real estate purchases for primary residences, second homes, and investment properties. 

Types of Las Vegas Mortgage Options:

• Conventional Loans (30 year, 20 year, 15 year)
• FHA Government Loans (3.5% down) (30 year and 15 year)
• VA Government Loans (as low at Zero / No Money Down) (30 year and 15 year)
• JUMBO Loan Options
• Private Money / Hard Money
• Portfolio Loans

Not all loan options are for everyone.  I will present all options available based on your needs and qualification so you may select the best one for you.

You like me want to make the best decision when it comes to the big things in life.  My specialty is providing personal and detailed care to your mortgage needs as well as offering competitive low mortgage interest rates.  I do not charge an up-front application fee or a credit report fee that many other big companies do.  I am confident to say that I know you will be delighted in my service throughout the loan process.

With over 20+ years in the mortgage and real estate industries, my time as an Escrow Officer, an Underwriter for a Fortune 100 Company, and in the Realtor's office has given me a unique perspective into all aspects of the real estate purchase process.  My experience will me be a valuable asset to you.  I can communicate effectively with Realtors, Lender's Underwriters, Lender's Processors, Inspectors, and Appraisers so you have a smooth and comfortable loan transaction, whether refinancing or purchasing.

If you feel you are credit challenged; I have a proven team of credit professionals to help you. My personal commitment to you is to be there every step of the way both during the loan process and after. 

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.

YOUR NEEDS and DREAMS are my OWN.

Mary "Suzohne" West, Sr. Loan Officer (NMLS#257735)

Call today to get started:   (702) 427-4075

Website:          www.westhomeloan.com

Testimonials:  http://www.stik.com/marysuzohne.west

SecurityNational Mortgage Co (#3116)

3285 N. Fort Apache Rd, Las Vegas, NV 89129