Refinance

How does your current loan compare to others available in today's market? With a few clicks you can find out. We'll also let you know if it's cost effective to refinance your present loan or if you should just sit tight. For more specific answers or for other options, please call your loan officer at 702-247-1764. Fields marked with an asterisk(*) are required, others optional  1.*  Name:      1.*  Phone Number:      2.* Your Property Type:   Single Family House Duplex 3 Unit 4 Unit Condo: 1-4 stories Condo: 5+ stories  3.* Your Property Usage:  Home Rental Vacation  4.* Current Property Value: $  5. Present Loan Balance:     a.*   first mortgage: $     b.    second mortgage: $  6. Present Loan Monthly Payment (Monthly Principal & Interest):     a.*   first mortgage: $     b.    second mortgage: $  7. Current Interest Rate:     a.*   first mortgage: %     b.    second mortgage: %  8.* Current first mortgage Loan Type:    1 Year ARM3/1 ARM5/1 ARM 15 Year Fixed 30 Year Fixed  9. When did you close current first mortgage?   January February March April May June July August September October November December  2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987  10. If your current first mortgage is an adjustable or a fixed that turns into an adjustable:   10a. What is your index type? 1 Year T-Bill 6 Month CD 6 Month LIBOR 11th COFI 3 Year T-Bill 5 Year T-Bill PRIME 10b. What is the margin on your loan? % 10c. What is the periodic cap on your loan?  % 10d. What is the lifetime cap on your loan? % 10e. Does your loan allow negative amortization? Yes No Don't know 11. Does your present first mortgage have a prepayment penalty? Yes  No Don't know 12. Can you document your income over the last 2-3 years? Yes No 13. How long do you plan on owning the subject property? Less than 1 year  1-5 years  6-10 years 10 years or more 14. What is your view of future interest rate? Some inflation with interest rates pretty flat or possible decline High inflation and interest rates will rapidly rise 15. How important is paying off your home as soon as possible? Very important Important Would be nice Not important at all 16. How important is consolidating your debts for tax or other reasons? Very important Important Would be nice Not important at all 17. How important is lowering your monthly house payments? Very important Important Would be nice Not important at all 18. How important is lowering your total monthly debt payments? Very important Important Would be nice Not important at all 19. How important is getting cash out of your home for investments, home improvements, or other uses? Very important Important Would be nice Not important at all 20. Please list monthly payments on the following:   20a. Car:       $ 20b. Student Loan:       $ 20c. Credit Cards (exclude amount that you pay off)        $ 20d. Other:       $ 21. If, in addition to our recommended loans, you want to see some loans of a specific type, select it here. [None] 1 Year ARM3/1 ARM5/1 ARM15 Year Fixed30 Year Fixed