Posts Tagged ‘buy’
Friday, September 1st, 2017
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
Tuesday, August 8th, 2017
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
Tuesday, July 18th, 2017
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
Let’s get moving, I work best with buyers and sellers. I’ll become your Realtor for life
Wednesday, June 21st, 2017
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
Monday, June 5th, 2017
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:
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
Tuesday, March 28th, 2017
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.
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
Saturday, March 25th, 2017
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
Monday, March 20th, 2017
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:
- Ask me questions related to Real Estate and Other related vendors.
- Listen to what I have to share about Real Estate.
- Listen and Learn, we are going to have a great experience.
- Let’s Debate about what you’ve heard.
- Realize you are here to learn, ask me questions.
- Maybe you’ve heard things about Real Estate that are not true.
- I am interested in what you do and what you need.
- Let’s take action to help you with your Real Estate Needs.
- Share your weaknesses, there is no such thing as a silly question.
- 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
Wednesday, March 1st, 2017
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
Saturday, February 25th, 2017
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
Las Vegas | Henderson | Summerlin Realtor/Real Estate Agent
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