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Posts Tagged ‘buyer’

SECTION 184 HUD INDIAN HOME LOAN here in Sunny Las Vegas, NV Penny O’Brien can HELP

Tuesday, August 1st, 2017

Hi all,

Call me right now if you have questions about this wonderful Indian Home Loan Section 184 HUD program.  Here is a small map for you.  I have helped MANY happy BUYERS with this program.  Contact me @ 702.321.9383.  I have helped buyers move to Las Vegas from NM, Alaska and many other parts of the United States. I look forward to hearing from you. Penny

HUD 184 MAP

So, you want to move to Las Vegas, NV? Call Penny 702.321.9383

Sunday, March 12th, 2017

Hi there,

The largest municipality by population in Nevada is Las Vegas.

Las Vegas is the most populous city in NV and an internationally renowned resort city known for gambling, shopping, fine dining and its nightlife, Red Rock Canyon, Mt. Charleston, low housing prices and beautiful weather.  Also known  as the Entertainment Capital of the World, Las Vegas is quickly transforming into a popular family and retirement city as well and it is now the 31st most populous city in the state. In 2016, the city has an estimated population of over 600,000 residents.

The population does not include North Las Vegas, Henderson or Green Valley.  Summerlin is considered Las Vegas, it has not become it’s own town per-say.

When deciding to move to Las Vegas and you’re not familiar with the Valley, give me a call.  I can help show you around and help you decide on what location works best for you.  I have lived here in Las Vegas for over 18 years and have been helping buyers and sellers buy and sell homes for 17 years full-time  I love helping others.  Please give me a call, text or email so we can sit down together and discuss your questions.

Enjoy your life,  Penny O’Brien 702.321.9383  GOWITHPENNY@yahoo.com

The 2010 Census placed the population of Las Vegas at 583,756, but its population in 2016 is estimated at 623,747.

FHA APPROVED LAS VEGAS CONDO’S FROM PENNY O’BRIEN 702.321.9383

Monday, March 6th, 2017

Hi everyone,

Are you in the market to purchase a condo?  Are you a FHA buyer?  Do you want to know which condo complexes are FHA ready?

Feel free to give me a text, call or email for more information or if you have questions.  Do you have questions about HUD homes and how it all works? Call me, let’s talk Real Estate.

Enjoy your day, Penny O’Brien 702.321.9383  GowithPenny@yahoo.com

Las Vegas HOA’s:: CIC’s what are they? Are they a benefit? Pros and Cons

Wednesday, February 15th, 2017

Hi there,

HOA’s what are they and why are they so popular in Las Vegas?  If you are moving from the Midwest and other areas of the world that don’t have HOA’s you’re probably wondering what they are and why are they important or not important.  To begin with HOA stands for Home Owners Association.  Another term for HOA is CIC, Common Interest Community? Here is the NV Law that gives the meaning:

1.  In the case of:

      (a) A condominium or cooperative, all portions of the common-interest community other than the units, including easements in favor of units or the common elements over other units.

      (b) A planned community, any real estate within a planned community which is owned or leased by the association, other than a unit.

      2.  In all common-interest communities, any other interests in real estate for the benefit of units’ owners which are subject to the declaration.

     In other words when you purchase a home that is within a CIC you will receive a Re-Sale package that explains the rules and by-laws within the community.  For example:  it may state, when you can hang your Christmas lights, how long you can set your trash out and when and where the trash can needs to be.   It may state you can’t paint your house purple.  What type of landscaping you can have. What type of lighting you can install. Where you can park or not park. Many but not all CIC’s are in gated community so you have rules about how the gate code is given out or not given out.  Many CIC’s are rules.

In communities that don’t have HOA rules, you more than likely can hang your Christmas lights all year long.  You can work on your car in the driveway, you can park RV’s or boats on the street.  In essence, you can do most anything you want and not get a warning or fined.

I moved here from Iowa and respectfully you cared about your property and how your neighbors are living in due respect to all of the community.  The city may have had a few restrictions but all in all there weren’t many rules.

Many people are happy to live in community with HOA’s.  Many people are not.  It’s all about what is important to you.  If you live within a HOA community you do not have the rights to change or go against the grade.  You will not probably succeed at changing things.

If you are warned by the HOA to example: pull your weeds from the front yard or pressure wash the oil off your driveway I recommend doing what they ask.  If not, you will be warned again and more than likely fined.

Many People who buy in HOA communities don’t realize that the HOA board members live in that community so they are somewhat policing the community.  They are looking for violations of the homeowners.  Some board members take this responsibility to the max and absolutely nit pick at homeowners to the point of annoyance and harassment.

I had at one time sold a condo to a client who loved the area, loved the complex but many of the board members took their position very seriously and in lack of a better way to explain were very terrible to the people who lived within the complex.  Needless to say My client asked me to sell his condo for him because he could not stand the HOA board members harassments.

When living in a HOA community you will have fees to pay. Most every HOA is different in their monthly fee, quarterly fee or yearly fees.

If you have any questions about HOA’s I’d be happy to discuss with you more about them.

Thank you for your time and enjoy your life.

Penny O’Brien 702.321.9383  GowithPenny@yahoo.com

Las Vegas Area Real Estate:: RE/MAX Las Vegas Realtor:: Great Service and Great Results

Wednesday, February 15th, 2017

Hi there everyone,

Once again, thank you for your time and checking out my blog.  This is a short and sweet blog, just like me, short and sweet.  I’ve been in the Las Vegas Real Estate Market for over 16 years full-time.  I’m honest, trustworthy, fun, professional, experienced, educated, patient and fun to work with.   I always answer my phone, I am respected by my peers.  I know what the heck I’m doing, I don’t fake it until I make it.  If you’d like you can speak with any of my clients, they will be honest and share with you their buying or selling experiences with me.  I love my clients.  They are totally amazing people.

I work with First time homebuyers.

Investors

Single Family Home Buyers

Condo Buyers

Townhome Buyers

Single Family Home Sellers

Condo Sellers

Townhome Sellers

Cash, conventional, FHA, VA, 184 HUD program, down payment programs, you name it I can help you with your financial information you may have questions with.  I am here with you through the whole process.

And, Sellers, there is no BS when it comes to selling your home.  I’ve heard agents for years tell sellers what they want to hear whether it is the truth or not and you know what they have no problem lying to the seller/sellers.  I’m not that kind of agent  just so you know.  I have Integrity, and lots of it.

Call Me, Penny O’Brien: 702.321.9383

GOWITHPENNY@yahoo.com

Testimonials:   Here’s just a few words from some amazing clients:

Penny O’Brien has been my real estate agent for the past three months and just closed the deal on my Summerlin home. Penny has been a pleasure to work with, earning my respect and admiration for getting my family through the stressful task of selling a house. The time spent with Penny has given me the opportunity to observe a true professional at work. Her ability to get the job done, and done right has certainly paid off.

I am also a real stickler for well-documented paperwork and Penny certainly showed her ability to perform this task. Her paperwork was flawless, leaving absolutely no loose ends behind. Penny was also available at the most inconvenient times and frequently made trips to my home at all hours of the day and night. Simply put, I would recommend Penny to assist all of my friends and family when their real estate needs.”
– Warren Hensman, Summerlin

“Penny made the selling of my house easier than I ever imagined. She not only brought in a lot of traffic into my property, but she sold it quickly… at full price. I highly recommend her.”
– Michael, Summerlin, LV

Penny is the greatest. She was a great help in helping me understand all the paper work. I left it in her hands, I trusted her, and my house sold
within a week! I got every penny I asked for. If I ever move back to
Vegas, and am in the market for another house, she would be the first
person I called.
– Deb,Valpariso, Indiana

Las Vegas Housing Market. Exciting, Good news for buyers and sellers. Inventory LOW

Wednesday, February 15th, 2017

Hi everyone,

Southern Nevada home prices started 2017 with a somewhat rare and exciting. The January jump while the number of homes available for sale continued to shrink the market is strong.

According to GLVAR, the median price of existing single-family homes sold during January through its Multiple Listing Service (MLS) increased to $238,000. That was up 1.3 percent from December and up 8.7 percent from $219,000 in January 2016. Meanwhile, the median price of local condos and townhomes sold in January was $113,500, up slightly from December, but down 5.4 percent from January 2016.

This is great for homeowners  because they actually are gaining equity in their homes.

The median single-family home price in Southern Nevada two years ago at this time was $200,000. One year ago, it was $219,000, “and now it’s up to $238,000. That’s a pretty great increase. .

Las Vegas  home sales have also been on the rise. There are many reasons for  home sales increasing, including an improving Las Vegas economy, and of course many of you know that home prices that are still lower than in most parts of California and a local population that is growing by about 2 percent per year.

Call, text or email me, GowithPenny@yahoo.com

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

Rebates for my buyers and sellers here in Las Vegas, NV

Thursday, February 2nd, 2017

Hi there,

Yes, Nevada is a state that allows Real Estate Rebates.  Only 10 states do not allow Rebates.  So, for example for one of my clients they received $1500 at closing.  They greatly appreciated and bought themselves things for their new home that I helped them find.

If you are interested in knowing more about how the rebate works, feel free to give me a call.  Enjoy your day or evening.

Penny O’Brien  702.321.9383

I have over 17 years Real Estate experience.  Full-time.  I’m not working another job, I’m 100% committed to giving my clients 100%.  I have happy clients.  I’m your Realtor.

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

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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