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Archive for the ‘CASH’ Category

Las Vegas buyers: A GIVE- A- WAY is coming your Way

Monday, February 6th, 2017

Hi there,

I am working on putting together a give-a-way to any buyers and sellers who are or become my client/clients.  I am asking what they’d like to receive.  Of course, it needs to be within reason.

Do you have any suggestions?  I look forward to hearing from you and really Excited to get it started.

Thank you and let’s get moving.

Penny O’Brien 702.321.9383

I work with all buyers, Cash, Conventional, FHA, VA And many HUD programs.  I work with all buyers and sellers within the whole Las Vegas Valley.  Call me @ 702.321.9383

TOWNHOMES for Sale in Las Vegas, NV. Penny O’Brien, your Fun and Professional Las Vegas Realtor

Monday, February 6th, 2017

Hi everyone,

Happy Day to you.  Are you interested in knowing a lot more about townhomes in Las Vegas that are for sale?  In the past 3 months I have sold several.  They are a fine way of owning a home without all the extra responsibility of owning a detached home.  Here’s what is usually included in within the HOA when buying a townhome.  Usually water and trash are included.  Most of the time the landscaping in the front is covered too.  Are you looking for a condo to buy or sell.  I can Help.  I work in all areas of the Las Vegas Valley and have clients who are cash buyers, FHA buyers, VA buyers, Conventional buyers and any other programs that may be used in the purchase of a home.  Many of my clients have a tribal card and they qualify for the HUD 184 program.  There’s so much out there for buyers to use for purchasing a home and coming in with very little down payment.

You can reach me, Penny @ 702.321.9383.  I am a professional Realtor, we will have a good experience working together.

I really enjoy helping people with the purchase or sale of homes.  I have over 16 years of full-time experience in Las Vegas.  ENJOY your day.  Penny

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

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


Cell:  702.321.9383
Email: lasvegasniceliving@yahoo.com

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