Due to continued market volatility, pricing for the FHA/VA/USDA 4% DPA option has been unavailable in the market. As a result, The Nevada Housing Division will be temporarily suspending our 4% government DPA option. We understand the unavailability of this option may cause difficulty for some borrowers who were counting on the 4% DPA. With this in mind, any loans “Reserved” by January 31, 2018 will still be eligible for this option. Loans reserved beginning February 1, 2018 will not have the 4% government option. Unfortunately, we will be unable to grant exceptions to this policy.
We strongly suggest you consider offering borrowers the HFA Preferred Conventional loan product as an alternative. The majority of FHA loans will qualify for our conventional loan product which can be a more economical option for borrowers. We appreciate your continued participation in our programs and ask for your patience as we continue to monitor market conditions. We will make adjustments as needed to continue to provide the best down payment assistance programs for borrowers.
there is an estimate of: 439 Single family homes, townhomes and condos for sale, of which means they are in ER status ( no offers ) and Contingent Status ( offer accepted ) Inventory in Summerlin and the rest of the valley, including North Las Vegas, Henderson, NW and SW.
We need more sellers. It’s the time to sell and buy here in Las Vegas. Many people are selling and purchasing another place, either bigger or smaller depending on their personal needs. Many other sellers are selling their homes and just cashing out their proceeds and either renting, moving in with family or leaving town.
My experience with helping buyers and sellers in Summerlin, Las Vegas, Henderson and the rest of the valley is extreme. I have Happy Clients and I have the experience you’re looking for in a Realtor, I’d love if you’d like to talk with my clients. They are amazing people and I have nothing to hide as far as any negative experiences. P
thank you for your time, Penny O’Brien with RE/MAX Excellence, I put the Excellence in Real Estate
Call, text or email me anytime. 702.321.9383 GOwithPENNY@yahoo.com
Ready, get set, go. These new FHA loan amounts are increasing for home buyers which is great news since our Las Vegas Home Prices are rising. It’s a wonderful time to buy homes here in Las Vegas. I put the excellence in Real Estate. Contact me for more information about our housing market, Penny O’Brien with RE/MAX Excellence @ 702.321.9383
ONE UNIT : $294,515
TWO UNIT : $377,075
THREE UNIT: $455,800
FOUR UNIT $566,425
Are you interested in the FHA loan called Section 184 Native American Indian Loan Program? I can Help, I know the program and have helped many buyers purchase homes using this great program. You can use it for new and re-sale homes. Town homes, single family homes and condos.
we are a long ways from Hang Son Doong, in Vietnam, yes indeed. It really puts a light on life and how short of a time we get to experience life on earth. Most people want to make the most out of their time here. SO, go ahead, call me and work with a great Realtor, Penny O’Brien, I am fun, positive, professional, honest, experienced and a great negotiator. Penny 702.321.9383
I’ve been helping buyers and sellers in Summerlin, Las Vegas, Henderson, Green Valley, the SW, NW and North Las Vegas for over 16 years full time. I have very happy clients and lots of great acquaintances in the business of Real Estate. I am very respected and loved by many others in the Real Estate Industry. I have really, really happy clients. Just a reminder that I have really happy clients.
I put the Excellence in Real Estate, Penny O’Brien RE/MAX Excellence 702.321.9383
I work with buyers, sellers, FHA buyers, VA buyers, Conventional buyers and Cash buyers. HUD homes and New Homes Realtor.
I have a son who is a Marine and very proud of him and his love for our wonderful country. I love helping military families. VA buyers, thank you for your service. Penny
How do buyers and sellers chose who they are going to have represent them in their needs for buying or selling a home in Summerlin, Las Vegas, Henderson, Green Valley, the SW and NW and North Las Vegas. I, Penny can help 702.321.9383 I can help with New and Resale homes, condos and town homes.
From my experience which is at least 16 years being a full-time Realtor, here’s what I’ve seen:
Referrals: referrals are awesome, most of the time it’s a win-win for both buyer, seller and the agent. Referrals can be from past clients, lenders, friends, co-workers, church members, the list goes on and on.
Internet: Well, I can tell you I’ve received a lot of clients from my website and other Internet sites. I blog about what I think is important to people and they enjoy reading what I have to say. I’m a down to earth kinda girl who tells it like it is. I don’t LIE to my clients and say things they want to hear if it’s not the truth. Believe me there are a TON of REALTORS in Las Vegas and surrounding areas that will lie straight up to any and everyone. I’ve heard the lies, I’ve been lied to. YUCK.
Repeat clients: I have the most amazing clients whom it’s hard to even call them clients become friends. Really great friends who end up having a long time friendship worth having.
Let me up the Excellence in your Real Estate needs, Penny O’Brien 702.321.9383 RE/MAX Excellence
P.S. if you qualify for the HUD Section 184 Native American Indian Home Loan all me I’ve got a whole lot of experience with using it. GO FHA.
I’ve also helped a lot of Alaskans move from Alaska
Got Cash, let’s see what’s out there for you, conventional loan, perfect. VA thank you for your service. I am a mother of a Marine. I appreciate you and all you do for our freedom.
Yup, I’m Vegan REALTOR and a Vegas REALTOR and VERY proud of it. I have been Vegan for about 6 years. I’ve lived in Vegas for 19 years, so that makes me a Vegas Vegan.
Are you looking to sell a home, town home condo, slice of land, mobile home? I am your Realtor. I have Happy happy clients. We have a great time working together and ALWAYS become friends. They can trust me. I live by the GOLDEN RULE. the biblical rule of “do unto others as you would have them do unto you” (Matt. 7:12). Not that I’m trying to sound religious or righteous. That I am not. I am just trying to get my point across in a nice explainable way.
By saying I’m Vegan doesn’t mean I hate or dislike meat eaters. I was one once upon a time. I even cook for others using dairy, eggs and meat. It’s not my favorite thing to do anymore but I love them and love to make them happy with my really good cooking knowledge. Does it mean I cook for them on a daily basis, nope, probably three or four times a year.
Am I a great Realtor, Yes, I am. Just ask my clients. Would you like to talk with them about my professionalism? Why hire an agent who you don’t even know? Get to know me through my blogs, talking to me in person, interviewing my clients. I am all about quality. I answer my phone, 702.321.9383. I have great communication skills, I am really good at negotiations, I have lots of experience and respect from the Real Estate world. I have many relationships with amazing lenders, title companies, home inspectors, other Realtors and the list goes on and on.
I work with Cash buyers, conventional buyers, FHA, and VA buyers. I love to help all people of all ages and demographics.
Let’s meet and greet one another soon and discuss your Real estate needs. Penny O’Brien 702.321.9383
Do you have questions about this wonderful Native American Indian Home Loan Program here in Las Vegas? I have answers for you.
Penny O’Brien 702.321.9383
Here’s a few in sites about the HUD 184 Loan Program.
Yes, you can buy new home construction, there are limits to the amount of purchase for buyers
Yes, You do need a tribal card or CDIB (Certificate of Degree of Indian Blood or Certificate of Degree of Alaska Native Blood)
A Certificate of Degree of Indian Blood does not establish membership in a tribe.
Tribal membership is determined by tribal laws and may or may not require a CDIB or may require a separate tribal determination of ancestry or blood degree.
Your full name, address, telephone number and birth certificate, and marriage certificate. (born 1940)
Completed application form for CDIB card.
Your parents full name, birth, death, and marriage certificate for both of them. (You need both, after all they are your parents, so you need both of them to prove who you are, even if the Native American heritage is only on one side.) (born 1915-1921)
Your grand parents full name, birth death and marriages certificates for both of them. (born 1890-1895) Now the research becomes harder!! In many states there was no birth, death and marriage registration prior to 1900. You can use tribal roll records, census records, probate records, baptism records. Again you will need to know where these people lived and census records are your best source. Except for Native Americans, who hid, lied, and avoided the census taker all together.
Your great grandparents full name, birth death and marriage certificates for both. (born 1865-1870)
Your great great grandparents, full name, birth, death and marriage certificates for both. (born 1845-1850
I have helped many buyers use this program and look forward to helping you too. Penny O’Brien
Yes, If you are interested in new construction and want and can use your opportunity for the HUD 184 Native American Indian Home Loan Program here is a prime example of what you could buy in Summerlin, Las Vegas NV 89138. They are in the beginning stages of building so it’s an excellent time to purchase. I can help you with any new construction in the Las Vegas Valley, Henderson, Summerlin and North Las Vegas. All you need to do is call and I’ll be there. Don’t want to live in Summerlin, No worries I got you covered. I can access all the new home construction areas in the whole valley.
Maybe you’re not into new construction. I can help with re-sales too. I’ve been happily helping happy clients for over 16 years full-time. We have fun when we are working together to find the perfect place. My Clients trust me and know that I am there for them throughout the WHOLE transaction.
BUZZ me: Penny O’Brien 702.321.9383
Are you in the market to buy a home? If so, give me a call to find out more information about a fantastic program. Penny O’Brien 702.321.9383 I can help you right NOW.
The Section 184 Native American Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.
The unique status of Indian lands being held in Trust, Native American homeownership has historically been an underserved market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.
To help and increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native Borrowers. By guaranteeing these loans 100%, we encourage Lenders to serve the Native Communities. This increases the marketability and value of the Native assets and strengthens the financial standing of Native Communities.
I have lots of experience with helping buyers use this wonderful program. Let’s get moving, Penny O’Brien 702.321.9383
Here we go,
The Section 184 Indian Home Loan program is a mortgage product specifically for American Indian and Alaska Native families, tribes, Alaska Villages or tribally designated housing buyers. Congress established this program in 1992 to facilitate home ownership in Native American communities. Using Section 184 financing you can get into a home with a low down payment, no mortgage insurance and flexible underwriting. If you are a potential home buyer, Section 184 is a wonderful product — thanks to the low down payment requirement of 2.25% for loans over $50,000. If your loan amount is under $50,000, your down payment is 1.25%. If you don’t have to pay a mortgage insurance premium each month. Instead, a one–time, 1% loan guarantee fee can be added to your final loan amount. Our underwriters are familiar with the unique issues and circumstances that Native Americans face when trying to get a mortgage in Indian Country
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