Tag Archives: Foreclosure

Keeping “The American Dream” Alive and Well – With Another Chance Nevada Mortgage Financing

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Owning your own home.

That’s a powerful statement, all by itself. For some people, it’s a scary thought – for others, it’s a lifelong dream. It can conjure up many different thoughts and emotions – from gaining a sense of pride to representing grown-up responsibility . . . and pretty much everything that flows between and around those ideas.

Since The Great Recession – when untold numbers of Americans saw the value of their homes drop by huge percentages, many even losing them to foreclosures or short sales, there have been those who wonder if that particular “American Dream” is over – that perhaps its time has come and gone.

But the truth is – the dream of homeownership is still very much alive and well. And that’s because owning a home isn’t simply a ‘transaction’ – it’s a mindset and a way of life. Just ask those who lost their homes in recent years due to the housing crisis – because after having owned a home, the desire to own again is even stronger. There are no ifs, ands, or buts about it: Having a home of your own provides a sense of security, belonging, and family stability that can rarely be found any other way.

At Premier Mortgage Lending, we recognize that owning a home can be the very foundation that families build their entire way of life upon. That’s why when we saw the effect the housing crash was having on the lives of thousands of our Las Vegas neighbors, we took action. We created Another Chance Nevada, so that we could offer a mortgage alternative to those whose credit had been damaged by the recession – either through losing their home or by seeing their finances and credit rating take a hit due to the developing economic crisis.

Through Another Chance Nevada, we created a source of Private Money Financing options for those who aren’t able to qualify now for traditional financing. These loan programs do require a minimum of 20% down payment, and rates and fees will be higher than for a traditional home loan. However, it’s an excellent opportunity for buyers to obtain long-term financing at competitive rates. These loans are free of any predatory loan features — and best of all, there are no pre-payment penalties.

Why is that the best part? Because it means that as you continue to work on raising your credit score and financial stability – as soon as you’re able to qualify, you can refinance to get a traditional loan at an even lower interest rate.

In fact, we even have the perfect mortgage loan for after you recover financially, too – because Premier Mortgage Lending is the home of the true No Fee Mortgage Loan. That means Zero: Loan Origination, Underwriting, or Document Fees. And you’ll still find the most competitive interest rates – so there’s a good chance you’ll end up saving thousands of dollars on your mortgage loan. (And yes – we encourage you to shop around and compare rates when that time comes. You don’t have to just take our word for it . . . you can find out for yourself!)

To learn more about how you can own a home again – in as little as one day following a short sale or foreclosure – visit us at AnotherChanceNevada.com. And to watch our short series of Home Loans #101 educational videos, visit www.KnowBeforeYouOweNevada.com. We created them to take the ‘mystery’ out of obtaining a mortgage loan. They’ll explain exactly what you need to know to save big money on your next loan – and tell you exactly which questions to ask your next mortgage lender.

Premier Mortgage Lending, NMLS #393282, is located at 701 N. Green Valley Pkwy., Suite 125, Henderson, 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors

Watching Las Vegas Grow: Again, Bigger, and Better Than Ever

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Reinventing itself – yet again. That’s Las Vegas for you. It’s always been a bit of a microcosm of American ingenuity; that ability to create something new and desirable out of what’s near at hand. It happened when the seeds for the city were first sewn back in 1905, took off again with the start of Hoover Dam, kept growing with the arrival of Nellis Air Force Base, and took full advantage of the prosperity sweeping the country following World War II with the glamorization of gambling.

As Rick Piette, owner of Premier Mortgage Lending observes, “During the 80’s, the Las Vegas Strip transformed itself from a California getaway weekend into a world class destination resort city. And because all those people had to live somewhere, construction for both housing and commercial properties boomed. And boomed. And boomed. And then it got quiet in 2007.

“Things got tough,” Piette continues, “but slowly and steadily Southern Nevada has been on the mend, and the evidence is everywhere you look. Data, statistics, and news reports continue to show that despite the reservations the rest of the country may have had about Las Vegas’ recovery – it’s returning to firm ground more and more every day.”

With major financial investments under way in the city – from the new Elan Resort & Casino and Resorts World, to the expansion of the Las Vegas Convention Center and McCarran airport, and the addition of the new Las Vegas Arena (that could see the first major sports franchise come to town soon) – it’s clear that those with the money still see Las Vegas as a good bet.

“But it’s not only tourism-related projects that have been lowering the local unemployment rate – which is now below 7% and still dropping,” Piette reveals. “New industry is finding its way into the city and making a difference in the local economy, as well. Tech and data companies are establishing a firm base in Las Vegas, while office, retail and entrepreneurial services have now surpassed their pre-recession numbers. ”

In response, it’s only natural that the housing market would be bouncing back, as well. Construction workers are now in high demand, and new and used home sales have been on a steady upward trend for some time, effectively leveling out the playing field for both buyers and sellers.

For those who play the numbers game based on news headlines, it’s important to keep in mind that even what might at first seem to be bad reports – aren’t necessarily so.

“One example is the recent announcement that Las Vegas once again topped the foreclosure rankings nationwide,” reports Piette. “But in truth, this is a direct reflection of a recent Nevada Supreme Court ruling that is effectively forcing the hand of banks to begin clearing out their foreclosure pipelines. These are properties that filled their books during the recession and banks have been holding onto them for years. Far from being a negative, however, it’s the gradual return of these foreclosed homes to the market will help Las Vegas reflect a more accurate housing status – and one that keeps both supply and demand of homes from rising too high or falling too far.”

So what does all this financial investment, building and expansion activity, improved job market, and housing recovery really mean for Las Vegas?

“It means what those of us who call Las Vegas “home” have known for a long time,” Rick Piette explains. “It’s a great place to live – for growing families and retirees, for young professionals just starting out, and for those looking for opportunity. We enjoy over 300 days of sunshine every year, a great sense of community, and let’s face it – you have to try really hard to get ‘bored’ in this city.

“The fact is, Las Vegas is more than a just a tourist destination. People come from all over the country to find, start, or create a better life here. And we like to think the role Premier Mortgage Lending plays in helping that happen makes a difference,” Piette adds.

“After the recession hit and so many lost their homes, we created our “Another Chance Nevada” program that helps people regain the pride of ownership as soon as one day after short sale or foreclosure,” he explains.

“And now that many have had the time to recover both their finances and credit histories – we are proud to offer a true “No Fee” mortgage loan – which means no origination, underwriting,, document or other ‘junk fees’. So buyers are able to keep on the path toward financial recovery without paying unnecessary loan fees that can add up to $5-$10,000 or more out of their pocket.”

The bottom line is that your bottom line matters to the people at Premier Mortgage Lending – and that’s one of the reasons for their new “KnowBeforeYouOweNevada.com” website. Visit the site to learn more about your protections as a consumer and how you can (and should) save money on your next mortgage loan.

Premier Mortgage Lending, NMLS #393282, is located at 701 N. Green Valley Pkwy., Suite 125, Henderson, 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

Is Now The Right Time To Buy?

Sold Home For Sale Sign in Front of New Houses

Deciding when the right time is to buy a home is a tricky thing. Or sometimes not. In truth, for many people the timing is determined by their current life situation. Let’s face it, if you just had new twins join your household, that 1-bedroom apartment simply isn’t going to cut it any longer.

But for most people, listening to all the chatter out there about when you should try to sell your existing home to buy a new one that’s better suited to your needs can be confusing at best. At worst, it feels a bit like trying to follow advice about investing in the stock market: All the so-called “experts” seem to have polar opposite opinions about how and when it should be done. When the truth is, no one has come up with a ‘sure-thing’ (or we wouldn’t be here writing this article, would we?).

“The fact is, there’s no single answer that’s right for everyone,” points out Rick Piette, owner of Premier Mortgage Lending. “Every situation is different, everyone has their own set of circumstances to consider. But there are a few checkpoints to keep in mind on the way to your decision, and we’d like to point out three of them to help you determine when is the right time for you to make the leap into buying a home.”

What If You’ve Had A Short Sale or Foreclosure?

“This is perhaps one of the most important questions we hear, especially these days,” reports Piette. “So many experienced financial hardships when the recession hit that losing a home to a foreclosure or short sale became much more common than it had been in the past.

“What many people don’t realize is that although there are enforced waiting periods of several years to get another government-insured mortgage loan – there are other options available that can help you get back into a home of your own as early as 1 day after those events. Here in Las Vegas, we created Another Chance Nevada just for that purpose – because we saw a need to help families get back into their own homes, and we wanted to help. With several loan programs and private money financing available, we’ve helped hundreds of locals become homeowners again. Plus, with our Another Chance Nevada loans, there are no pre-payment penalties – so when credit has been restored, owners are able to refinance to a more traditional mortgage loan to save even more.

Do I Buy When The Market is Hot, Cold, or Holding?

“The good news is that across the country, the housing market has made gains since the crisis and has pretty much returned to a stable footing,” states Piette. “As always, some markets are ‘hotter’ than others – often simply due to supply and demand. Others see rising job opportunities and populations that increase competition and prices. And if you should find yourself in a transition to a new area, it’s often wise to rent first to make sure you find the neighborhood that appeals to you most.

“But for those who know their city and plan to stay put for 5 years or more, buying a home is almost always going to be the best option. Here in Las Vegas especially – where rents are nearly twice the cost of a mortgage payment for the same property – it just makes more sense to invest in yourself, rather than your landlord.

“Real estate in Las Vegas has pretty much returned to normal, which is a great thing,” Piette continues.” There’s now the typical ebb and flow of values that naturally occur over time, and no indication of another ‘bubble’ on the horizon. In fact, prices that have been steadily climbing over the past 3-4 years are cooling slightly, showing that the cost of homes is leveling off. Right now, it’s neither a Seller’s nor a Buyer’s market – which pretty much puts everyone on a level playing field.

What About My Credit and Finances?

“There’s no doubt about it – the state of your credit score and finances are critical when it comes to buying a home,” states Piette. “It can be the difference between loan approval and denial, and also affect how much that new home is going to cost you over time. Simply put, someone with a good credit history will pay less for a home over the 30-year term of a loan because of a more favorable interest rate, than one with a poor credit score. By as much as $100,000 or more.

The good news? Interest rates are still at historic lows – although there’s reason to believe with recent jobs data reports that the Fed may begin raising those rates soon. Plus, the upcoming Presidential election may also play a role in interest rate fluctuation.

“Surprisingly, surveys have shown that almost 50% of potential buyers simply assume they won’t qualify for a traditional mortgage loan, so they don’t even apply. But the truth is, many of them will (at Premier Mortgage, we make it happen all the time.) But even if a traditional loan isn’t available to them right now, getting a non-traditional loan at a slightly higher interest rate helps build their credit back up so they can refinance to qualify for a lower rate in the near future.

“One other thing that many buyers aren’t aware of is that the regulatory changes in the mortgage industry have been made in favor of the consumer. More transparency, clearer disclosures are two of them. And buyers are learning that shopping around for the right mortgage is one of the easiest ways to save money – a lot of it. For example, as a mortgage broker, Premier Mortgage Lending is able to offer clients a true No Fee loan. That means no loan origination, document fees, or other junk costs that banks and mortgage bankers will often add onto your Loan Estimate. It can be a savings of literally thousands of dollars – and one that can tip the scales in your favor so you receive that “Great news! Your loan is approved!” phone call. (Visit our KnowBeforeYouOweNevada.com website to learn more.)

“When you put these elements together – a level real estate market, current low interest rates that are projected to rise, and the cost of owning being considerably less than renting – it’s a pretty safe bet that Las Vegas is currently a prime market to buy into right now,” Piette reveals. “Our company is proud to be playing a big role in helping Nevadans get back into a home of their own. It’s about time, don’t you agree?”

Premier Mortgage Lending, NMLS #393282, is located at 701 N. Green Valley Pkwy., Suite 125, Henderson, 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

OWNING A HOME AGAIN REALLY IS AN OPTION – WITH THE RIGHT LENDER

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If you’ve owned a home before, you know how it feels when a dream becomes a reality. You’ve felt the pride of staking a claim on your own land, the joy and satisfaction that comes from making your home environment personal and unique to your family’s needs.

But if you lost that home in a foreclosure or a short sale – as so many thousands were forced to do during the recent recession – you also know what it’s like to have your dream come crashing down around you.

As Rick Piette, owner of Premier Mortgage Lending states, “There’s no doubt about it – losing a home that way is devastating. And it’s not just a financial matter – it’s emotionally difficult for you, your family, and perhaps especially on your self-esteem. Being able to provide the basics for our family is built into our DNA – which makes such a loss a very difficult transition. ”

However, we’d like to remind you that this is a good time to remember that old adage: “It’s better to have loved and lost, than never to have loved at all.” Because we’ll let you in on a little secret . . . that theory applies to many things in life. It’s especially true when it comes to owning a home again. Because just as love will find a way to re-enter your life — once you’ve experienced the pride of owning a home, you’ll find that with the right help, you can get back there again, too – and earlier than you may have thought.

“At Premier Mortgage Lending, we wanted to take an active part in getting Las Vegas families back into a home of their own,” reveals Piette. “We’re part of this community, too – and rather than stand by and idly watch as the housing crisis hit our family, friends and neighbors so hard – we decided to seek solutions instead. The kind that could help people recover financially and experience the pride of becoming a homeowner once more – sooner rather than later.

“For the last several years, that’s been the sole purpose of Another Chance Nevada. With our unique private lending division, we’ve made it possible for hundreds of people to obtain a mortgage loan as early as one day following a short sale or foreclosure.

“Because private financing is free of the mandatory waiting periods that accompany government-backed loans following a foreclosure or short sale,” he continues, “we’ve been able to assist buyers in obtaining that coveted ‘Good news! Your loan has been approved!’ phone call a lot faster. And even while the rates and costs may be slightly higher than an FHA or VA loan – the savings still add up over time when compared to the high costs, uncertainties, and restrictions that go along with rented properties.”

Studies have shown that over half of the people who want to buy a home are too afraid to ask if they qualify, simply due to the hardships they suffered during the recession. But with the passage of time and an economy on the upswing – this is precisely the right time for you to ask that question . . . of the right lender. Let Premier Mortgage Lending help you find a way to give you back that American Dream. Call today for a personal consultation – or even apply online.

Premier Mortgage Lending, NMLS #393282, is located at 701 N. Green Valley Pkwy., Suite 125, Henderson, 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

With Another Chance Nevada, Renting Is Not Your Only Option

Jim Pic 1Is Your Home Buying “Waiting Period” Over?

Short sale. Foreclosure, Pre-foreclosure. Deed in Lieu. Since the collapse of the housing market in 2008, it’s estimated over 7.3 million homeowners experienced one of those unfortunate circumstances affecting their homes. And it’s a pretty safe bet that if you didn’t go through one yourself, you have friends or family that did.

An unpleasant turn of events? Absolutely. But in truth, those terms used to be a lot scarier before the economic crisis took place. For most of us, the years between then and now have been tough. Not only did we lose a part of our identity, legal waiting periods as to when we were able to get another FHA, VA, or Conventional mortgage loan kept us from finding a way to get back on track.

Adding insult to injury, since then rents in the U.S. have risen at alarming rates – now literally at twice the cost of inflation. Multi-family construction is now at a 27-year high, and in some markets (including Las Vegas), statistics show that renting can actually cost twice as much as owning a home.

“But there is good news for consumers,” according to Rick Piette, owner of Premier Mortgage Lending, “and it’s news that many aren’t aware of yet. All that has begun to change. As time has gone by, those short sale and foreclosure waiting periods are coming to an end, which means families who may have feared a home of their own was out of reach are discovering that’s no longer the case.”

“Even better, though, is that with programs like Premier Mortgage Loan’s Another Chance Nevada, homebuyers don’t need to wait on those restrictions at all – they can buy a home as little as one day after a short sale or foreclosure. As a non-traditional financing alternative, Another Chance Nevada is not burdened with those waiting periods, which offers an attractive alternative to renting,” reveals Piette.

Piette goes on to explain, “With our private lending program, there may be a higher interest rate and fees to initially get back into their own home. However, it’s important to note that none of our loans contain pre-payment penalties, which means you still have the ability to refinance to more favorable terms in the future. With interest rates still low for traditional loans, though, even those additional costs make good financial sense.”

“The likelihood is that this type of private money loan will not only cost less than renting – but you are investing in yourself (instead of a landlord), and you’ll get to enjoy all the financial and emotional benefits that accompany homeownership.”

Premier Mortgage Lending created Another Chance Nevada to offer buyers better options and to take part in keeping the Las Vegas economy keep moving in the right direction. After helping hundreds of buyers in Southern Nevada get back into their own home again with this program, Piette is gratified to know that it’s really making a difference.

One such customer was happy to offer this description of their experience: “Premier Mortgage gave us the opportunity to own a home again immediately after having to short sale our old home. Through their 2nd Chance Loan Program we were able to turn a negative situation into a positive one.”

“Is it time to begin shopping for a home of your own again?,” asks Piette. “All signs indicate that it is. The timing is perfect, home sales are climbing, yet interest rates are still low. And because many consumers thought they weren’t qualified to buy a home yet, they’re not aware of the financing options they have. We’re trying to change that with Another Chance Nevada – and it’s really working.”

Premier Mortgage Lending, NMLS #393282, is located at 701 N Green Valley Pkwy. #125 Henderson, NV 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

Are restrictive standards and new mortgage rules affecting home sales?

New mortgage standards have mandated a four-year waiting period for most home loans, to “keep risky buyers on the sidelines.” This nearly doubles the time that some homeowners, who experienced short sale or foreclosure, must wait to qualify for a new loan. Is this keeping the risk out of home buying or homeowners?

Rick Piette, Premier Mortgage Lending, said he believes the new standard will hurt closings, though already-tight regulations will head off big cuts. Even before the four-year waiting period, buyers with recent mortgage troubles had to put 20 percent down. And in Las Vegas, where the effective un­employment rate hovered near 25 percent at the recession’s nadir, not many buyers have the savings or home equity to make the cut.

The National Association of Home Builders asked builders if they had lost sales over the past couple month directly relating to new mortgage qualifications. Eighty-three percent said yes and it was estimated that 18,700 new-home sales were lost because of it.

Premier Mortgage Lending believes there are thousands of Las Vegans who deserve the opportunity of owning homes of their own. For those who have lost a home to short sale or foreclosure, we are your second chance at homeownership!

For additional information or to schedule an appointment for mortgage prequalification or refinancing, call Premier Mortgage Lending at 702-485-6600 or visit www.AnotherChanceNevada.com.

Premier Mortgage Lending, NMLS #393282, is located at 701 N. Green Valley Pkwy., Suite 125, Henderson, 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

Are we ready to meet the housing needs of the US elder population?

As time passes everyone gets older, our health gets worse and times change. What doesn’t seem to be changing is the accessibility and supply for housing that will accommodate people over the age of 65. Housing that is in a good location, affordable and near health facilities is limited!

According to  Housing America’s Older Adults – Meeting the Needs of An Aging Population, the number of adults in the U.S. aged 50 and over is expected to grow to 132 million by 2030, an increase of more than 70 percent since 2000.

There are many things that people start to need as they grow older, health insurance being one of them! Without proper housing, elder citizens are spending their retirement and savings, along with scaling back on health coverage, just to afford a place to be living.

“As Americans age, the need for safe and affordable housing options becomes even more critical,” says Lisa Marsh Ryerson, President of the AARP Foundation. “High housing costs, aging homes, and costly repairs can greatly impact those with limited incomes. The goal in our support of this report is to address the most critical needs of these households and it is AARP Foundation’s aim to provide the tools and resources to help them meet these needs now and in the future.”

Read more about this intriguing issue that will some day affect us all! 

Premier Mortgage Lending, NMLS #393282, is located at 701 N. Green Valley Pkwy., #125 Henderson, NV 89074. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

Things to avoid when selling your home

Not getting Pre-Approved
Before you try to sell your home make sure that you talk to a mortgage lender, like Premier Mortgage Lending, even if you prefer to pay in cash. You want to be sure that you can get pre-approved for your next home.

Failing to de-clutter
When people come to look at your home with anticipation to buy, make sure that it looks clean and welcoming. You don’t want it to be completely empty but you also don’t want it to be cluttered. They want to be able to see themselves living in that home.

Pricing your home incorrectly
Make sure to research what new homes are selling for. How many bedroom, how many square feet, how many bathroom, etc. and compare those houses with your own. Pricing too high can lead to no offers so be ready to compromise and stay flexible.

Marketing your home with bad quality images
If you really want to sell your home you have to present it in a way that makes someone else want to buy it. Easier said than done, right? Make sure you are proud of the photos your take and then set out for the world to see. If you wouldn’t want to buy the house, neither will anyone else.

imagesRefusing to make minor repairs
If you have a buyer interested but there are minor “fixes” that need to happen, make sure not to fight them on it. You could miss out on the sale completely
by refusing to make repairs or making false promises.

It is a long and sometimes difficult process to sell your home but if you research and ask for a little help, it should not be impossible.

Premier Mortgage Lending, NMLS #393282, is located at 8689 W. Sahara Ave., Suite 100, Las Vegas, 89117. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

Las Vegas Housing Market Recovers

Las Vegas’ housing market has finally started to recover from its downfall in the past couple years. Sellers have become more flexible in the market today and prices are up to “26.7 percent over the previous year”! It is believed that international investors who took part in the original “boom” are still a “significant part of the Las Vegas market”.

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“The city suffered one of the biggest collapses in house values in the US, but is now recording some of the highest rises”

After suffering 5 years, Las Vegas homes are once again enjoying price increases and coming out of the “boom” in some of the best ways. Read more about the expansion and recovery the Las Vegas housing market is taking! Read More…

For additional information or to schedule an appointment for mortgage prequalification or refinancing, call Premier Mortgage Lending at 485-6600 or visit www.PremierMortgageLending.com.

Premier Mortgage Lending, NMLS #393282, is located at 8689 W. Sahara Ave., Suite 100, Las Vegas, 89117. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.

Alternatives to the 30- Year Mortgage

The most popular home financing option these days it the 30-year fixed rate mortgage. This is the most common choice because it is affordable and is well known to most people. This article goes into detail showing you a little more than meets the eye in traditional home loans.

“Homebuyers have several options outside of the standard 30-year mortgage, including paying in cash and taking out a 50-year fixed rate mortgage.” 

Paying in Cash: Most homeowners do not have this option, but most homeowners don’t know completely what paying in cash for a home entails. If you are able to pay in cash, be sure to have enough money to continue your livelihood.

15-year fixed-rate mortgage: According to many mortgage experts this is the second best mortgage, but be ready for a more expensive monthly rate.

20-year fixed-rate mortgage: This is more for homeowners who can’t quite afford the 15-year mortgage but could pay more, and would like to pay more, than the 30-year mortgage.

5/1 adjustable-rate mortgages: This is more of an option for the homeowner who can’t be tied down. If you know you will be moving for sure in the future, this is a great option for you.

50-year fixed-rate mortgage: Very few experts will recommend this option!

Read in detail about these 5 Alternatives to the 30-Year Mortgage!

For additional information or to schedule an appointment for mortgage prequalification or refinancing, call Premier Mortgage Lending at 485-6600 or visit www.PremierMortgageLending.com.

Premier Mortgage Lending, NMLS #393282, is located at 8689 W. Sahara Ave., Suite 100, Las Vegas, 89117. The full-service lender is a member of the Las Vegas and Boulder City Chamber of Commerce, Better Business Bureau and Southern Nevada Home Builders Association, as well as an affiliate member of the Greater Las Vegas Association of Realtors.