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Archive for September, 2018

Conventional, FHA, VA cash home-buyers Las Vegas NV. What’s the interest rate right now? HUD 184 Native American Indian Home Loan Program

Saturday, September 8th, 2018

Welcome back,

Are interest rates rising?  Yes, they are slowing inching their way up.  Let’s face it, interest rates are still low.  Back in the late 80’s I paid over 18% interest on my house loan, grant you back then prices of homes weren’t what they are today so the amount I was borrowing wasn’t that much so it’s hard to compare.

Many people start to panic when they see interest rates going up.  I don’t blame them.  It can make a huge difference on the property you are interested in.  For instance, just a quarter of a percent can change your payment hundreds depending on how much you are borrowing.

The HUD 184 Native American Indian Home Loan Program is considered a FHA loan.  I am still helping eligible

3-2-1 Home loan program first-time homebuyer perks, Las Vegas requirements

Thursday, September 6th, 2018

Hi there,

The 3-2-1 Home loan program for first-time homebuyer perk is here.  Also, there is a lending company that is offering a $2000 gift card to Home Depot and $1500 toward closing costs, with as little as 3% down.

Do I have your attention?

Here are the requirements and eligibility goodies:

First-time homebuyers only

Down Payment funds can be gifted to you

Must fall within income limits

Credit score as low as 620

Maximum loan limits of $453,100

Homebuyer education required

If you’d like more information about this loan program give me a call. Penny O’Brien 702.321.9383

This program is zip code restricted.  Call me to find out which ones are included.

Penny O’Brien

Re/MAX Excellence

4435 South Buffalo Drive

Las Vegas, NV

89147

GOwithPenny@yahoo.com

 

 

Probate Realtor, Penny O’Brien in Las Vegas, NV Clark County Experienced Agent

Thursday, September 6th, 2018

Hello again everyone,

Are you looking for a Las Vegas, NV Realtor to help you with the sale of a home that is in probate?  You’ve come to the right place.  I can help you.  Feel free to give me a call anytime.  I can assist you through what can be a very challenging event.  Maybe you’ve never had to do a probate sale before.  No worries, I’ll help you through the whole process.

How do you avoid probate on a home?
Here’s  some suggestions for you.
  1. Make a Living Trust.  I can’t stress it enough.  The way to avoid probate is simply to create a living trust.
  2. Name your beneficiaries on all retirement, bank accounts and other accounts that pertain.
  3. File Joint Tenancy with a Right of Survivorship. If you have questions about this let me know.

Wills do not have to go through probate unless you want to transfer ownership of assets owned by the testator, or the person who wrote the will, to her/his living beneficiaries. Some states provide legal options for doing it through simplified procedures for limited estates. 

What needs to go through probate?

Assets that generally do not go through probate are, Firstly, jointly owned assets that transfer to the surviving owner; Secondly,  assets that have a valid beneficiary designation; and then Thirdly assets that are in a trust. However, these assets do not always avoid probate.
Probate is the court-supervised process of the gathering of the deceased person’s assets and distributing them to creditors and inheritors. If you are the executor, your probate process will depend on if your state has adopted the Uniform Probate Code (UPC), which is a set of probate laws written by a group of national experts.
Take care, Penny O’Brien (702) 321.9383.

Penny O’Brien

RE/MAX Excellence

4435 S. Buffalo Dr

Las Vegas, NV 89147

Penny O’Brien is not an attorney, please hire one for professional advise.  Thank you, Penny

What’s your Summerlin Las Vegas home worth/value? Ask a Specialist, Special agent Penny. Las Vegas Real Estate, free CMA

Tuesday, September 4th, 2018

Hi again,

I’m happy you’re here.  What’s your house worth?  Are you looking to sell?  Give me a call and we can discuss your housing situation. Whether you are selling an investment property a personal home, maybe it’s a home in probate and you’re the executor.  I can help assist you in your Real Estate transaction.

Obviously it’s a good idea to let me see your property for an accurate account of what it’s value.  The generic CMA, Comparative Market Analysis is a general comparison of other homes that have sold within your 5-6 mile radius of your home.  A property/home that has sold within the past few months.  It’s really impossible to compare homes without viewing it to get the maximize price  for your home.  One persons idea of a really nice house with upgrades can be truly distorted by their opinion of what really nice means.

I spend a substantial amount of time putting together a true CMA for you, one that gives you the accurate information of what your home is worth.  I know the Las Vegas, Summerlin, North Las Vegas, SW and NW values of homes selling and how our Real Estate Market is at the time you’re ready to sell.  Listen, our market is changing on a daily basis, I know that sounds strange but it’s always changing and it’s important to understand how it works and is working.  Give me a call and we can discuss what you need and if it’s attainable.  Thank you for your time.  Stay safe. Penny O’Brien with RE/MAX Excellence. (702) 321.9383

20 years of FULL-TIME REALTOR Experience selling in the Las Vegas areas including: Summerlin, Green Valley, Henderson, SW, NW, North Las Vegas, NV all of Clark County. Pahrump too, NYE county.

September in Summerlin, Las Vegas, NV Free concerts for everyone. Don’t forget your blanket.

Tuesday, September 4th, 2018

Hey everyone,

I’m glad you’re back.  There will be Fun in the Sun @ Summerlin Downtown, join us, it’s free concerts are coming up soon. Held on Wednesday’s in September.

Summerlin sounds Concert Series is returning to Downtown Summerlin®  September 2018. Weekly festivities take place on The Lawn at Downtown Summerlin every Wednesday, September 5 – September 26 from 5 p.m. to 9 p.m. All concerts are free and open for everyone to enjoy. If you haven’t been to Downtown Summerlin you maybe missing out.  It’s a wonderful area for shopping, eating and just hanging out.  It’s located next to the Red Rock Casino and right off of the 215.  Maybe be there a little early, they are expecting big crowds.  Have you ever attended Summerlin’s 4th of July parades?  BIG Crowds show up.

A tentative schedule of performancers includes: September 5 – Moonshiners with Next Door to the Moon; September 12 – Camden West with Harmon Eyes; September 19 – Empire Records with Noelle Chiodo; and September 26 – Jeremy Cornwell with Shawn Eiferman.

Maybe I’ll see you there, you’ll love it and all that Summerlin downtown offers,  bring a blanket.

Penny O’Brien, your trusting, honest, knowledgeable outgoing/outstanding Realtor.  (702) 321.9383

RE/MAX Excellence: 4435 S. Buffalo Dr. Las Vegas, NV 89147

Between Flamingo and Tropicana on South Buffalo Dr.

Traffic accidents in and around Las Vegas, NV Clark County. It’s disturbing!!!

Tuesday, September 4th, 2018

Hi everyone,

If you think that we are lacking on vehicle accidents and fatalities here in Las Vegas, think again.  Considering that I drive around the valley continuously I can honestly say our traffic is out of control in a horrible way.  This morning I can upon a fatality, a motorcyclist lost his/her life in North Las Vegas.  Ok, you’re probably thinking well, after all a motorcycle doesn’t have much protection, they should be more careful.  Yes, that’s true but our “Car/ vehicle” drivers suck here (many of them).  If you don’t believe me give it a whirl, get out there and drive, see what I see.  You’re going to see idiots speeding like no tomorrow.  You’ll experience all ages and nationalities driving very slow in the fast lane.  People cutting others off.  Lane changing the wrong way.  Rear ending and people running people off the road.

The accidents are not located in isolated areas.  It’s everywhere.  I turned the corner the other day and there’s a car up the light pole in Summerlin, it’s puzzling to try to figure out what happened.  There are a ton of hit and runs in Las Vegas. Hit and run of cars and pedestrians.  On my way from Summerlin to the McCarran airport and returning to my office off Tropicana and Buffalo I saw 8 near misses and 4 separate accidents.  Which encompassed 35 miles worth of traveling.

Solution to this horrible increasing problem would be to the crappy drivers.  Stop talking on the phone, stop texting while driving.  Both of which are illegal in the state of NV.  PAY ATTENTION to what you’re doing.  Slow down, stop fighting with the people in your car.  Don’t drink and drive.  Don’t Smoke weed while driving or before getting in your car.  Stop taking illegal drugs and driving.  Respect other drivers.  Geez,  perhaps understand you’re driving a vehicle that is capable of killing and harming others and yourself.  DRIVING is a serious event.  Take it seriously.

Rant over.

Stay safe out there, Penny

 

Penny O'Brien
Las Vegas | Henderson | Summerlin Realtor/Real Estate Agent


Cell:  702.321.9383
Email: lasvegasniceliving@yahoo.com

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