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Recent Articles

Jul
19
2014
What Is Home Equity?
If you’re a current or future homeowner, you’ve most likely heard the term “home equity” being thrown around.  So, what is it?  Essentially, home equity is the amount that differentiates the home’s value and how much the borrower owes....
Jul
11
2014
What's the Difference Between Government and Conventional Loans?
What's the difference between conventional and government loans? The main answer is simple, but the program disparities can be radical. In short, a conventional loan is not insured by the government, and a government loan is insured by the government. Both types of loans have...
Jul
07
2014
Mountain West Financial Successfully Continues to Grow with 4 New Retail Locations and 2 New Regional Operations Centers
Mountain West Financial announced today that they are continuing to expand with the addition of 4 new branch offices during the 2nd quarter of 2014. The New ROCs in the Bay Area and the Inland Empire join the other Regional Operations Centers in Sacramento, Anaheim, and San Diego with the...
Jun
28
2014
I Submitted My Mortgage Application, Now What?
Mostly, the answer is: wait. Once you have completed your mortgage application, it will be processed by the loan underwriting department. Your application will be thoroughly reviewed by underwriters in order to assess whether or not you qualify for the loan. This process can take up to...
Jun
20
2014
How Mortgage Borrowers May Benefit from Rapid Rescoring
Credit scores are one of the biggest factors contributing to the mortgage interest rate you receive and loan types for which you can qualify. When you apply for a loan, lenders will check your credit scores by pulling credit reports from the three central credit bureaus: TransUnion,...
Jun
17
2014
What is Mortgage Escrow?
If you own a home or are trying to own a home, you’ve probably heard the term “escrow” thrown around. So what is it? Let’s delve right in: What is Escrow? Escrow is an account that lets a borrower gradually accumulate money for property taxes and...
Jun
13
2014
Mountain West Financial, Inc. Ranked as One of the Nation’s Top Mortgage Lenders
Mountain West Financial, Inc. is proud to be named a Scotsman Guide 2013 Top Mortgage Lender. Mountain West Financial was ranked #51 in Top Overall Volume with over $1.2 Billion Dollars and ranked #17 in Top Wholesale Volume with over $605 Million Dollars. Scotsman Guide, the leading...
Jun
07
2014
What are Lender Credit Overlays?
If you have been shopping around for a mortgage, you may have noticed that different lenders will give you different quotes and have different requirements.  This is due to the fact that lenders have different thresholds for risk depending on past experiences and current...
May
30
2014
Spelling Out Commonly Confusing Mortgage Acronyms
When you’re applying for a mortgage, there are so many terms that you’ll hear being thrown around in your lender’s office, and many can be confusing. We’ll try to shed some light on some of these mortgage acronyms: GFE GFE stands for Good Faith...
May
30
2014
What is Mortgage APR?
When you are looking for a mortgage, your lender is required to inform you of the APR and the interest rate.  Your APR is a crucial factor regarding what loan is the best loan for you. What is APR? APR stands for Annual Percentage Rate, which is the number used to compare...
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