Olympian Janay DeLoach & Fantastic Four's loan Gruffudd Party At RAIN

Olympic medal winner and Mr. Fantastic partied Saturday at Palms Casino Resort’s Rain Nightclub in Las Vegas during the busy Labor Day Weekend.

loan Gruffudd
loan Gruffudd At Rain Nightclub

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Choosing a Fixed Rate Mortgage Loan For A Las Vegas Home

Choosing a Fixed Rate Mortgage Loan For A Las Vegas Home

Fixed Loan Mortgage RateFixed rate mortgage loans generally come with one of two options; the 30-Year Fixed and the 15-Year Fixed loans. If a borrower is planning on being in the same Las Vegas home for a long period of time, a 30-Year Fixed may be more attractive because it offers stability. The monthly payment will remain the same over the life of the loan. If interest rates are at historic lows at the time the borrower is seeking to obtain financing, this is a good loan program to consider.

A 15-Year Fixed rate mortgage loan program offers the same stability, but the accelerated amortization schedule makes the monthly payment substantially higher. While the interest rate may be lower on this type of mortgage loan, the borrower must be willing to commit to a higher monthly payment. If the borrower wishes to retire in 15 years and be debt-free at that time, this loan program may be more suitable to the borrower’s long-term Las Vegas real estate loan needs.

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Finance Questions to Ask Your Las Vegas Lender

10 Questions to Ask Your Las Vegas Lender

Be sure you find a mortgage loan that fits your needs with these comprehensive questions for the purchase of your Las Vegas Real Estate.

1. What are the most popular mortgage loans you offer for Las Vegas Real Estate?

2. Which type of mortgage plan do you think would be best for us? Why?

3. Are your rates, terms, fees, and closing costs negotiable?

4. Will I have to buy private mortgage insurance? If so how much will it cost and how long will it be required? NOTE: Private mortgage insurance usually is required if you make less than a 20 percent down payment, but most lenders will let you discontinue the policy when you’ve acquired a certain amount of equity by paying down the loan.

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Avoid Changes to Your Financial Profile During the Loan Process

Once your mortgage loan package has been sent to the mortgage lender, there are a number of things you should avoid doing that will change your financial picture. Remember, the mortgage lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consider:

The Las Vegas home mortgage lender is looking to see what your source of down payment is.

Your Las Vegas home mortgage lender will most likely ask you to provide proof of your liquid assets. This includes bank statements for checking and savings accounts, verification of investments, and any other liquid assets. Some of the things the Las Vegas home mortgage lender may ask for may seem trivial, but keep in mind, if you are planning a move to a new Las Vegas home, it’s important to have all documentation readily available. If the mortgage lender asks for cancelled checks or deposit receipts to meet certain conditions, you want to be able to find these things quickly to avoid delaying the closing of your loan. Make sure your paper trail is easy to document, and don’t move money from one account to another.

Major purchases tip the scales against your favor with the mortgage lender. Continue reading Avoid Changes to Your Financial Profile During the Loan Process

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