Home Equity Loan Boulder City NV

Local resource for evaluating home equity and mortgage information in Boulder City. Includes detailed information on local businesses that provide access to home equity loans, home lenders and mortgage brokers, as well as advice on home equity line of credit, mortgage refinance and second mortgage.

Bank of America - Boulder City Branch
(800) 432-1000
900 Nevada Highway
Boulder City, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - Boulder City Vons Branch
(800) 872-2657
1031 Nevada Highway
Boulder City, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Bank of America - Henderson Branch
(800) 432-1000
107 South Water Street
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Horizon And Horizon Branch
(800) 872-2657
45 East Horizon Ridge Parkway
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Bank of America - Horizon Drive And Hgwy. 95 Bkg. Ctr.
(800) 432-1000
10 East Horizon Ridge Parkway
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Boulder City Branch
(866) 245-3452
412 Nevada Highway
Boulder City, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Henderson Branch
(866) 245-3452
112 South Water Street
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Bank of America - Boulder Horizon Banking Center Branc
(800) 432-1000
1411 South Boulder Highway
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Horizon & Horizon Ridge Branch
(866) 245-3452
25 East Horizon Ridge Parkway
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Boulder Hwy Lake Mead Branch
(866) 245-3452
190 North Boulder Highway
Henderson, NV
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Residential Mortgage

Residential Mortgage - Info

Residential Mortgage is a mortgage on a residential property, tax-deductible for individuals up to $1 million.

1. A temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt.

2. A contract or deed specifying the terms of a mortgage.

3. The claim of a mortgagee upon mortgaged property.

Understanding the Key Elements

A mortgage is a long-term loan obtained from a bank, thrift, independent mortgage broker, online lender or even the property seller.

Because mortgages are such large loans, consumers repay them over long periods -- usually 15 to 30 years. A monthly mortgage payment is called a PITI payment. That's because each one covers a portion of the following four costs:

Principal:the loan balance.

Interest: interest owed on that balance.

Real estate Taxes: taxes assessed by different government agencies to pay for school construction, fire department service, etc.

Property Insurance:insurance coverage against theft, fire, hurricanes and other disasters.

Depending on the kind of mortgage a borrower has, the monthly payment might include a separate levy for mortgage insurance.

The breakdown of each payment changes over time because mortgages are based on a repayment formula called amortization. Means that the lender spreads the interest you owe on the mortgage over hundreds of payments. This keeps the monthly payments low.

Process

We start with the three phases of getting a mortgage for a house:

1. NEEDS AND GOALS: Figure out what kind of mortgage is wanted, determine how much can be afford and anticipate what other steps are involved. Once you have established these preliminary boundaries, it would be beneficial to speak with a mortgage consultant; together, you can determine the optimal loan amount and program best suited to your needs.

2. PRE-APPROVAL: Provides confidence, knowing that you are pre-approved for home financing allows you to search for properties with confidence, having eliminated financing issues.

3. APPLICATION PROCESS: These are some of the things needed:

  • Copies of your most recent, consecutive pay stubs (covering 30 days), or a copy of a signed offer letter stating your new salary/


  • Most recent 2 years W2's.


  • Most recent 2 months consecutive bank statements (all pages) to verify assets, including checking/savings, mutual funds, and brokerage accounts.


  • Miscellaneous information, such as copies of resident alien cards, visas, divorce decrees, etc., may also apply, depending on your particular situation; your mortgage consultant can advise you about documenting any unique information.


  • 4. UNDERWRITTING: Underwriting is the process of evaluating your credit history, debts, assets, income, and information about the property you are looking to purchase, in order to make a mortgage loan decision.

    5. PROCESSING involves the collection of all the outstanding documents that are needed to satisfy the conditions that were set forth by the underwriter in your commitment letter. These conditions could include verifying your income and assets, reviewing the Purchase and Sale Agreement and appraisal, or documentation to substantiate past credit issues, child support/alimony payments, receipt of gift funds, employment information, etc.

    6. CLOSING: Is when the mortgage is activated, the title (ownership) to the property is transferred from the seller by recording a deed, and you are given the keys to your new home.

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