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Posts Tagged ‘buy’

Home At Last Las Vegas Housing program for buyers FHA, VA, Conventional. Call Penny O’Brien 702.321.9383

Friday, September 1st, 2017

Hi there,

Home at Last approved lender will determine how much grant assistance you qualify for, which will vary depending on the loan type chosen FHA, VA, USDA RD, Conventional. Need help in finding a lender?  I can help.  Need a Realtor, call me, Penny O’Brien at 702.321.9383

How do I apply for Home At Last programs?
Your Home At Last approved lender will determine how much grant assistance you qualify for, which will vary depending on the loan type chosen whether its FHA, VA, USDA RD, Conventional. There are no additional applications for the Down Payment Assistance grant – your lender will handle the entire process for you. Your lender will also determine if you qualify for, and would benefit from, the Mortgage Credit Certificate, and will help take care of the application for you and yours.

Where does the grant money come from and how does it work?
The Home At Last Down Payment Assistance program is not federally funded, but rather we use a public-private partnership model that enables us to provide a variety of grant options paired with 30-year fixed rate mortgage loans.  Your Home At Last approved lender will advance the grant funds at closing and U.S. Bank will reimburse the lender after closing when the loan is purchased for servicing.

 

How about if you already have a home, can I purchase another one with Home At Last Down Payment Assistance?
Yes, you can! As long as the property you are purchasing will be occupied as your primary residence and you meet normal underwriting requirements for the type of loan you will be getting whether its FHA, VA, USDA RD or Conventional.

CALL Penny O’Brien NOW @702.321.9383

GOLF Courses Closing in Las Vegas, Desert Shores, The Lakes, Water conservation

Tuesday, August 8th, 2017

Hi there,

Yes, it’s true many courses are going to be closing if they already haven’t.  As Las Vegas continues to grow in population our water supply is being pushed to the limit.  If you ever fly over Lake Meade you will see the drop of water level on the shore lines against the mountains.  It’s been taking place for a long time and people continue to say, Oh, it’s Las Vegas we will find a solution to our water shortage.

If you look around some of the areas of the Valley for instance the Lakes.  The Lakes have manmade lakes.  Several, they are tranquil and beautiful.  I actually have several clients who bought in the Lakes for the purpose of having the Lakes to enjoy.  You can’t fish at these lakes.  They are there for cosmetic reasons.  There are often many ducks who have made their homes in and around the lakes.

Desert Shores also has a few manmade Lakes.  I do foresee in the future that these Lakes will not be around.  With the rising prices of water and the water conservation program taking place.  It just doesn’t make sense that homeowners associations will want to continue increasing their HOA fees in order to keep or maintain these water features.

Are you looking to buy?  Sell?  Call NOW, Penny O’Brien 702.321.9383

HECM, REVERSE MORTGAGE here in Las Vegas, NV. HOMEOWNER NEVER MAKES A PAYMENT

Tuesday, July 18th, 2017

Hi there,

Are you confused about how the Reverse Mortgages work?  I was too, until I dug deep into learning all about Reverse Mortgages.  It actually is a great program.  Here’s a few reasons why you might consider moving forward to a Reverse Mortgage.

It is a Government Program, it’s legit

Guaranteed by FHA/HUD

BORROWER(s) NEVER MAKES A MORTGAGE PAYMENT

Do I have your attention?  Want to know more?  Call me NOW,

Penny O’Brien with RE/MAX Excellence

702.321.9383

Let’s get moving, I work best with buyers and sellers.  I’ll become your Realtor for life

Original Mid-west RE/MAX Realtor moved to Las Vegas knows the HUD 184 Program

Wednesday, June 21st, 2017

Hi everyone,

I am originally from Iowa, after spending 37 years there, I decided to move to Las Vegas.

HUD 184 Loan Program.  It’s an amazing Government program that allows a low interest rate and many other wonderful aspects for soon to be homeowners or homeowners who are looking to remodel.  Please give me a buzz so we can discuss more about the 184 Loan Program.  Have fun and enjoy your life,

Penny O’Brien 702.321.9383

BIKE- SHARE Program Cadence Master Planned Community in Henderson, NV. It’s Free

Monday, June 5th, 2017

Hi Everyone,

Have you heard about this new and innovative program.  And one of the best things about it is it’s free.  No cost to you.  The only thing you’ll need if you find necessary is a helmet, they are not supplied.

The Cadence Bike Share Program provides bicycles for residents and guests to ride around the beautiful community of Cadence.

Just sign up at:

Cadence.socialbicycels.com

Get your access code and get started riding

Take I-215 until it turns into Lake Mead Parkway.  Pass through #. Warm Springs Rd.  The Home Finding Center is on the left at the intersection of Sunset Rd and Lake Mead Parkway.

It’s really a neat program.  If you’ve ever been by gogole in California at their headquarters, you will see bikes all around so that people can get from building to building faster and in a more fun matter.

You can ride from one community to the other and you do not have to be a resident or home owner to use the bikes.

I hope your found this information of value to you.  If you or any one you know is looking to buy or sell a home here in Las Vegas or Henderson please keep me in mind.  I’ve been helping buyers and sellers for over 19  years full-time.  I have very happy clients.  Take care and enjoy your life, Penny @ 702.321.9383 or GOWITHPENNY@yahoo.com

 

 

Las Vegas Buyers check list by Penny O’Brien 702.321.9383

Tuesday, March 28th, 2017

Hi everyone:

1. Square footage= SF

Like the story of Goldilocks and the 3 bears: Too small and you might quickly outgrow your new space. Too big can mean unnecessary energy bills and money spent furnishing space you never use.  Too much space to clean in my opinion.

2. Drive time

Be sure your daily commute won’t leave you sitting in traffic, rethinking your relationship with your house. Consider driving to work from your potential home a couple times during rush hour to make sure you know what you’re getting into.

3. Walking distance

Being able to walk, bike or hike  to shops, restaurants, parks and public transportation can really boost your quality of life.

4. Community

Does the neighborhood include features that you feel are critical to your particular lifestyle, like yoga studios, late night takeout options or a safe playground for your kids and or your pets?

5. Planes, trains and automobiles

If you travel frequently, be sure you love how close your potential new home is to the airport, main highways or public transportation. Not a fan of planes flying overhead – or late night trains? Keep that in mind when checking out areas as well. We have a disclosure for that. 😉

Enjoy your day or evening, Please give me a call with any Real Estate questions you may have.  I am here to help.  Penny O’Brien 702.321.9383 GOWITHPENNY@yahoo.com

Las Vegas HUD 184. Tribes and Tribal Cards. How does it work? New Contrustion is A, OK.

Saturday, March 25th, 2017

Hi there,

Here is just a little information about what Section HUD 184 requires and offers:

You must be an enrolled member of a federalized recognized Tribe.

Down payments:  estimated 1.25% to 2.25%

Regular 30 year fixed rates are available.

Yes, to New construction and renovation.

Low monthly Mortgage insurance.

Modular Homes allowed.

Gifts and Tribal assistance are ok.

No hidden terms or fees.

For more information Call Penny 702.321.9383  GowithPenny@yahoo.com

 

 

10 tips for first-time home buyers in Las Vegas, NV Penny O’Brien 702.321.9383

Monday, March 20th, 2017

Hi there,

So, You’ve probably heard all about Real Estate from friends, family, co-workers the Internet or other places that the public has provided information about Real Estate.  Let’s talk about Real Estate and here are 10 tips from Penny O’Brien:

  1. Ask me questions related to Real Estate and Other related vendors.
  2. Listen to what I have to share about Real Estate.
  3. Listen and Learn, we are going to have a great experience.
  4. Let’s Debate about what you’ve heard.
  5. Realize you are here to learn, ask me questions.
  6. Maybe you’ve heard things about Real Estate that are not true.
  7. I am interested in what you do and what you need.
  8. Let’s take action to help you with your Real Estate Needs.
  9. Share your weaknesses, there is no such thing as a silly question.
  10. You help me understand what is most important to you in finding you the right home.

Make it a great day and call me:  Penny O’Brien with RE/MAX Excellence 702.321.9383 GOWITHPENNY@yahoo.com

Get Ready, Get Set. Let’s get moving Las Vegas. Call Penny O’Brien, 702.321.9383

Wednesday, March 1st, 2017

Hello everyone,

When I first got into Helping clients buy and sell homes I thought to myself, It’s really important to remember how much work it can be to move.  So many of us move in a home and stay set.  As one lady said to me the other day, I’m never moving again, she was probably in her late 50’s and just has had enough moving around.  She said I’m going to die in this house.  Which of right now we don’t have to disclose if someone dies in a property.

My point of this blog is, I just moved.  It was a great experience.  I don’t have a lot of things, I am a minimalist.  I will say tho,  even as a minimalist, it’s a lot of work moving.  If you need information about Las Vegas Real Estate, homes for sale, or are interested in selling, Please give me a call, I’ve been helping clients buy and sell homes in Las Vegas for over 17 years full-time.

If you are moving and need some help, give me a call.  I will help out if possible.

Enjoy your life,

Your Friendly, honest Realtor, Penny O’Brien  702.321.9383  RE/MAX Excellence

Legislature bills affecting homeowner associations 2017:: Las Vegas Homeowners will be affected

Saturday, February 25th, 2017

Hi everyone,

It’s that time of year for legislature to meet:  Here is a list of things we can watch for:

1. AB 11- More requirements on drones and portable helicopters.

2. AB 13- Revised provisions governing the annual fee for conducting business in Nevada.

3. AB 21- Makes various changes relating to elections.

4. AB 32- Revises provisions governing pest control.

5. AB 35- Makes various changes relating to insurance.

6. SB 24- Authorizes cities to enact ordinances requiring the registration of vacant properties.

7. SB 33- Prohibits the foreclosure of real property owned by certain military personnel or their dependents in certain circumstances.

8. SB 67- Revises provisions relating to fire safety requirements for multistory buildings occupied by people.

9. SB 68- A law set up for those people who are trying to sell property that they don’t own.

10. SB 69- Revises provisions governing state agencies, boards and commissions that regulate occupations and professions.

11. Other proposed bills pertain to AB 87 firearms, SB 79 confidential information, commission changes for the Common Interest Communities, electronic signatures, and of course, NRS 116 chapter.

I will keep you posted on what takes Place.

Enjoy your life:

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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