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Archive for the ‘184 HUD’ Category

Section 184 Indian Home Loan Guarantee Program For Las Vegas, Penny O’Brien 702.321.9383

Friday, November 3rd, 2017

Hi there,

I am your Realtor for using this program.

The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally for housing entities. Congress established this program in 1992.

The Office @ Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native borrowers. The loan guarantee assures the lender that its investment will be repaid in full in the event of foreclosure.

The buyer  applies for the Section 184 loan with a participating lender, and works with the tribe and Bureau of Indian Affairs if leasing tribal land. The lender then evaluates the necessary loan documentation and submits the loan for approval to HUD’s Office of Loan Guarantee.

Loans must be made in an eligible area. The program has grown to include eligible areas beyond tribal trust land. Click on the links below to determined participating States and counties across the country.

Call me, NOW, Penny O’Brien 702.321.9383

What is a tribal card? CDIB? Do you have one? Call me now, HUD 184 is here now

Sunday, January 22nd, 2017

Hi there,

A Certificate of Degree of Indian Blood or Certificate of Degree of Alaska Native Blood (both abbreviated CDIB) is an official U.S. document that certifies an individual possesses a specific degree of Native American blood of a federally recognized Indian Tribe, band, nation, pueblo, village, or community.

Call me and let’s discuss the HUD 184 Loan Program for you.

Penny O’Brien

702.321.9383

GOWithPenny@yahoo.com

Las Vegas Down Payment Assistance Loan Program, You’ll LOVE it.

Sunday, January 22nd, 2017

So, Hi there everybody.

this is a very quick post about Nevada’s down payment assistance programs.  There are a couple of ones that rock.  I am not sure how long they are going to be in place so if I were you and you’re thinking about purchasing a home, give me a call, text or send an email.  I have a buyer currently who is receiving 5% down on her purchase of a townhome purchase price $180,000.  She is having to come in with just under $2000 TOTAL to purchase her place.   There are other program that may not be familiar to you for instance the HUD 184 Loan Program.

Call me and let’s get moving, Penny O’Brien 702.321.9383

GoWithPenny@yahoo.com

HUD 184 Loan Program for NEVADA. I, Penny O’Brien can help you, NOW

Sunday, January 22nd, 2017

Hi there,

If you are clicking here, it’s clear you have a tribal card and need lots of information about the HUD 184 Loan Program in Las Vegas, NV. Henderson and the whole Las Vegas Valley.  You are at the right site.  Let’s get started:

You will need a tribal card or CDIB.

You’ll probably need my help in the financing section of your purchase, I can guide you through it.

I can help you understand how the HUD 184 Loan Program works.

Let me share with you that it is a great loan program.  People who say it’s not probably don’t understand the program.

I have many clients who are happy buyers due to this HUD 184 Loan Program.

I’m a really great Realtor who LOVES helping buyers use this program.

NO questions are stupid or silly.  ASK me anything.

My opinion is, USE it.   It’s there for the benefit of you and others.

Call me, Penny O’Brien @ 702.321.9383

GoWithPenny@yahoo.com

Financing a Home in Las Vegas, NV, Is a Pre-approval letter necessary? Cash? FHA, VA, HUD, Conventional

Sunday, January 22nd, 2017

Hi again,

Let’s be honest, shall we?  If you don’t have a pre-approval letter from a lender when you are ready to buy do you really think that a seller will take you seriously?  Think of it this way, let’s turn the situation around.  You are the seller, I put your house on the market and offers start flooding in.  Any one can offer any amount, someone could offer you a million dollars on a home valued at $200k.  It does not mean that the lender/bank/financial company is going to loan you a million dollars for the house.  They will loan you the appraised value, minus down payment amount depending on your loan type.  You’re probably not going to go to the market and pay $20 a pound for apples, unless they are gold plated.  Back to the pre-approval letter and buyers.

For the sack of being simple let’s say 2 offers come in.  One offer is at list price, we believe after doing our investigation on the property that it will appraise for list.  The second offer is at list and the buyer is willing to pay out of pocket an additional $20k cause it’s right next to their family and they have to have the house.  The first offer came with a pre-approval letter and is a sound buyer.  The second offer has no approval letter, you have no idea if this buyer is capable of purchasing your home or not.  There’s no evidence of funds.  NOW WHAT?  Obviously, we ask for the letter of approval but they tell us, don’t worry we are good for the loan, we have good jobs, have money in our savings, we’ve bought before, the bank will give us the money.  Are you going to believe them?  I hope not.  You have to be able to know at least at the time of their loan application that they were qualified for the loan.  Things can change between then and the time of purchase.

So, the moral of the blog is, if we are going to go out there and start looking for a home for you, FIRST things FIRST, let’s talk with a lender.  It’s important also to feel comfortable with the payment you will be making.  You may fall in love with a house that is totally out of your price range.  It’s all about preparing yourself for what is right for you.

What kind of loan will you be getting?  FHA? VA? Conventional, HUD or paying CASH.

Now, are you ready?  Let’s go see a lender and see what best for you.  You can reach me at: 702.321.9383 Text, call or email: GoWithPenny@yahoo.com

ENJOY LIFE, Penny

Pssssst. Let’s talk about Condo’s, Townhomes, and Single Famiy Homes in Las Vegas, NV

Saturday, January 21st, 2017

Happy Day Everyone,

So, this is going to be a fast and easy way to explain some of the differences when purchasing either a condo, townhome or SFR, Single family residence.

Sometimes one of the biggest issues are:

  1. Financing.
  2. Square Footage.
  3. Shared walls.
  4. Garage.
  5. Yard Space.
  6. Pets.
  7. CC&R’s
  8. Gated vs. Non-Gated

How many choices fit your needs/wants.

  1. Bus line transportation.
  2. Here are a few explanations to this.
  3. Yard space, usually with a townhome and SFR you will have some yard/courtyard space.
  4. Pets, Lots of places have restrictions on what types and how many pets you can have.
  5. CC&R’s, this is a BIG issue.  Most condo complexes are VERY strict on what you can and can not do, have or be.  LOL
  6. Some people don’t want  or need a big house or yard.
  7. Gated vs. Not Gated, again, it’s a personal choice.  Some condo complexes have very high fees per month because of the community pool, exercise room and Gate.
  8. Bus line, many apartments and condo complexes are near bus lines.
  9. Wall space, I think we all know that when we are sharing walls the chances of hearing your neighbors increases.

Do you want or would you like more information about Las Vegas Real Estate, I’m just one text, call or email away..

ENJOY your day, I say so..

take care, Penny O’Brien 702.321.9383. GoWithPenny@yahoo.com

 

HUD, FHA, Down payment programs in NV. Las Vegas, 184 loan program

Saturday, January 21st, 2017

First Time Home Buyers

I CAN SHOW YOU ANY PROPERTY YOU FIND OF INTEREST. I have access to all available properties in the Las Vegas Valley. Call me today!

First-Time BUYERS

  • I work at no cost to you!
  • Provide detailed listing information not always available to the general public.
  • Negotiate the deal to help save you money.
  • Guide you through the avalanche of paperwork.
  • Commit my time and energy to finding you the right property.

As your Real Estate Agent I will lead you through every single step of the exciting home buying process. I will help you define your “wish list” of features you want in your home.

I will walk you through the mind-boggling financial details associated with buying a home. I do monitor all new listings and alert you to new listings as soon as they are put on the market. I help to eliminate the stress involved with buying a home by putting my years of real estate Knowledge to work for you. Finding the right property for you is my business.

 

Call Penny O’Brien 702.321.9383

GOWITHPENNY@yahoo.com

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


Cell:  702.321.9383
Email: lasvegasniceliving@yahoo.com

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