Helpful Home Loan Advice

Picking up on our blog post last week on our Preferred Lender program, we would like to share with you some helpful tips on certain things that you need to be sure you DO NOT do before applying for a home loan.

Don’t Pay Off Bills

Your loan officer will advise you on the best way to pay off bills so that there is proof and also which bills will be necessary to pay off. Make sure that you do not increase any of your credit card balances or let your payments fall behind.

Don’t Change Jobs

Changing jobs before or during your loan process will slow your loan approval.

Don’t Make Major Purchases

A high-ticket purchase can torpedo your ability to afford a home. Increasing your consumer debt or, if you pay cash, decreasing your cash reserves could jeopardize your loan approval.

Don’t Move Your Money

Make sure to leave your money right where it is until your loan is closed. Deposits that are made to your account that aren’t payroll or direct deposit income must be documented and sourced. If you receive tips, keep a daily tip log to match your bank deposits.

Even if you are pre-qualified for a loan, it is important to make sure to pay attention to these tips.

Our sales agents can assist you with any questions you may have regarding a new home loan.

 

Friday the 13th

According to folklorists, there is no written evidence for a “Friday the 13th” superstition before the 19th century.

Several theories have been proposed about the origin of the Friday the 13th superstition.

One theory states that it is a modern amalgamation of two older superstitions; that thirteen is an unlucky number and that Friday is an unlucky day.

In numerology, the number twelve is considered the number of completeness, as reflected in the twelve months of the year, twelve hours of the clock, twelve gods of Olympus, twelve tribes of Israel, twelve Apostles of Jesus, the 12 successors of Muhammad in Shia Islam, twelve signs of the Zodiac, etc., whereas the number thirteen was considered irregular, transgressing completeness.

Friday has been considered an unlucky day at least since the 14th century and many professions have regarded Friday as an unlucky day to undertake journeys or begin new projects.

The fear of Friday is the 13th has been called friggatriskaidekaphobia (Frigga being the name of the Norse goddess for whom “Friday” is named in English and triskaidekaphobia  meaning fear of the number thirteen).

According to the Stress Management Center and Phobia Institute in Asheville, North Carolina, an estimated 17 to 21 million people in the United States are affected by a fear of this day making it the most feared day and date in history. Some people are so paralyzed by fear that they avoid their normal routines in doing business, taking flights or even getting out of bed. It has been estimated that $800 to $900 million is lost in the U.S. in business on this day.

Any month that starts on a Sunday contains a Friday the 13th. There is at least one Friday the 13th in every calendar year. There can be as many as three Friday the 13ths in a single calendar year.

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September 13th, 2013 Miscellaneous Tags: , , 0 Comment

American West Preferred Lenders

At American West, we believe in making your home buying process an easy one. One of the ways we do this is through our Preferred Lender program. We have personally hand selected lending companies that can give our buyers the best possible loan. Our Preferred Lenders know the ins and outs of American West. They understand our in-house escrow department and procedures, saving us and more importantly you, lots of time and money.

With the American West Preferred Lender program, you no longer need to worry about “shopping” for a lender because we have done that work for you. American West works closely with the Preferred Lenders to ensure you are given the best treatment and that the loan is one that best fits your needs.

Who are the Preferred Lenders?

American West Preferred Lenders are lenders experienced in every phase of home financing, from qualification to closing. This experience saves you from needless frustration and helps assure that your loan will be processed in a professional and timely manner.

American West Preferred Lenders understand the building process and procedures, therefore allowing them to save you money. When your home is completed, they can help ensure that your loan is in order and avoid you paying costly external fees.

What is the benefit of using a Preferred Lender?

It will save you money. Our Preferred Lenders work diligently to find the lowest possible rate for you without all the hidden fees other lenders sneak in at closing.

Preferred Lenders reduce the risk involved in securing a loan. Their close relationship with American West helps to make sure that the loan is in order when construction is completed. The Preferred Lenders are in constant contact with our in-house escrow department so there are no surprises at closing.

When you use one of our Preferred Lenders, the risk to American West is reduced. The lower the risk to the builder, the lower the cost of the home.

Discover more about our Preferred Lenders.

 

Highlands Collection – Ready for Immediate Move-in

We are excited to announce that we have a rare opportunity available for someone looking for a immediate ready move-in home. There is an Emerald with BRAG, our most popular Highlands Collection new home design that we just completed and is ready for you today.

The Emerald with BRAG measures 2,709 square feet. This beautiful home is loaded with custom features. As you pull into the driveway, your breath will be taken away by the exterior with custom stone veneer and professionally landscaped front yard. As you enter,  you will discover a new home design perfectly blending space and comfort. There are 4 bedrooms, 2 1/2 baths, great room, den and bonus room. The BRAG Space in this home features a guest master suite with a bonus room. This is the perfect space for guests, in-laws, or your teenager who wants a bit more privacy. The gourmet kitchen with center island features black appliances, granite countertops with backsplash, huge pantry and lots of counter space. The home is located on a cul-de-sac street in the amazing neighborhood of Highlands Ranch.

There are many other custom features in this home that you must see to believe. Call us today at (702) 853-4582 and we can schedule a private tour for you. Sales office is open daily from 10 a.m. to 6 p.m.

Watch a virtual tour of the Emerald with BRAG model:

http://fusion.realtourvision.com/84982

Highlands Collection

 

Highlands Collection – Best Selling New Home Community in Las Vegas

Based on data from Home Builders Research, Highlands Collection built by American West Homes is the best selling new home community in Las Vegas, Nevada. Highlands Collection is located in the planned neighborhood of Highlands Ranch in the southwest part of the Las Vegas valley.

“We are thrilled with the success of our new home designs at Highlands Collection,” said Larry Canarelli, American West Company Founder. “As the valley continues to grow and the needs of our families continue to evolve, our planners, engineers, designers and sales counselors grow with them. We try to anticipate what our families value most. Oftentimes what we’re all looking for in a home is more than comfort—it’s community, it’s security, it’s proximity to the services we need and the people we love. Families are discovering all these elements in our Highlands Collection neighborhood.”

Highlands Collection features six different two- and three-story new home designs ranging from 1,839 to 2,995 square feet with up to 5 bedrooms. Different variations of the homes feature front balconies, game rooms, first floor master suites, retreats, guest suites and bonus rooms.

Against a backdrop of sandstone deserts and majestic mountains in the popular southwest valley sits Highlands Ranch where homeowners find miles of blue sky, room to roam and a great place to call home. Recreational opportunities abound as part of the built-in lifestyle at Highlands Ranch. Residents enjoy the convenient access to parks, state-of-the-art schools, retail developments and shopping in the burgeoning southwestern valley. Homeowners have all the benefits of master-plan living without any additional fees such as a SID or LID.

For more information, virtual tours, interactive floorplans and beautiful photography, visit www.AmericanWesthomes.com or call (702) 853-4582. Sales office is open daily from 10 a.m. to 6 p.m.

 

The Topaz

The Topaz

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