Posts Tagged ‘conventional’
Wednesday, August 2nd, 2017
What does the American dream of owning a home mean to you? Here in Vegas, the Sin City Capital of the World. The fun adult playground. The city with so much to offer. The City who has fantastic sunshine throughout the year.
Many first-time home buyers are afraid to purchase. The truth is in most cases it’s better to buy then rent, and in most cases it’s cheaper. Plus, you don’t have a landlord and others to deal with, IT’S YOURS!!!
A majority of my clients are first timers. I call them my Real estate virgins. I absolutely love working with them. If you are interested in buying a place, please give me a call and I can help you understand the ins and outs of buying. I will become your Realtor for life.
Make it a great day! Penny O’Brien 702.321.9383
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.
Single Family Home Buyers
Single Family Home 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
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
Thursday, February 9th, 2017
Hi there everyone,
Are you currently with the Military? Are you a Veteran? Please let me begin with, THANK YOU FOR YOUR SERVICE. My son is with the Marines and I see the Honor and Sacrifice that goes along with being in the Military. I am so grateful that there are People out there that care so much for our country and are willing to be there in times of need. With that said, I can help you with your Real Estate needs, I am the perfect Realtor for you. I have over 16 years of helping families buy and sell here in the Las Vegas Valley. I moved to Las Vegas from Iowa almost 20 years ago. As of right now I have clients who are Military. They are purchasing a 2 bedroom condo near Summerlin. They are having USAA do their loan. I am very familiar with all types of loans and how to help you through the loan process too. Some types of loans are FHA, Conventional, VA, HUD loan, so many different types. There is also down payment assistant programs available. There’s so much and I have the knowledge in what available for you. Let’s get together and figure out what type of loan is best for you. Or, perhaps you’re paying Cash.
I really do hope to hear from you. I love helping and it’s the least I can do to help you in return for all you do. You can reach me at 702.321.9383, text or call me. I always respond very quickly. Or email me at GowithPenny@yahoo.com And, please understand there are no silly questions that you maybe afraid to ask. I’m a REALTOR with your best interest at hand. My buyers are buying condos, townhomes and Single Family Residences. I look forward to hearing from you. I have Happy Clients. NOW, let’s get moving.
Have fun and Enjoy your life. Penny
Monday, February 6th, 2017
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
Monday, February 6th, 2017
As you may know or may not know, Las Vegas has a HUGE inventory of NEW HOMES. Builders are building in every area of Vegas. Henderson, Summerlin , The Great Northwest, The Great Southwest, North Las Vegas, EVERYWHERE. It is so exciting.
Which builder are you looking for? KB Homes? Toll Brothers? Beazer? Pulte? Woodside? Lennar?DR Horton and many more. Let’s look and see what they have for sale. I can also share with you what incentives they offer.
Many people enjoy the idea of a new homes because they get the possible chance to pick the lot, flooring, cabinets, window coverings, etc. Plus, It’s like buying a new car vs. an used car. It’s all about what’s really important to you as the buyer.
I have access to all the builders inventory in the Valley, please give me a call @ 702.321.9383. We can meet at my office and do a complete search of the Valley for your new Home. Enjoy your day, Penny O’Brien, I have 16 Joyful years of full-time buying and selling Las Vegas Homes
P.S. all or most of the builders accept VA, FHA, HUD programs, Conventional and Cash purchases.
Monday, February 6th, 2017
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
Wednesday, January 25th, 2017
Here are the numbers for what’s for sale in Henderson:
1988 Single Family Homes, Condos and Townhomes are currently for sale per MLS, Multiple Listing Service.
1333 are currently in contract in Contingent Status, that leaves only 655 for sale.
This does not include the New Homes.
What type of buyer are you? Cash, Conventional, FHA, VA or another type?
Please call, text or email with your Real Estate needs. I service Summerlin, Henderson, GV, North Las Vegas, the whole Las Vegas Valley.
Penny O’Brien 702.321.9383 GOWithPenny@yahoo.com
Tuesday, January 24th, 2017
Can these be of a Benefit for you:
Fixed interest rate 30-year loan –
- No first-time homebuyer requirement
- Grant is non-repayable
- Call Penny O’Brien for More Info: Penny @ 702.321.9383
- No asset limits for homebuyers
- Now offering up to a 4% grant with government loan types and up to a 5% grant with conventional loan financing
- Grants are based upon the loan amount and can be used for down payment assistance and/or closing costs.
- Can be combined with The Mortgage Credit Certificate (MCC) Program.
- Available state-wide
READY? SET? NOW, Let’s Get MOVING.
Contact: Penny O’Brien 702.321.9393
Sunday, January 22nd, 2017
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
Wednesday, November 27th, 2013
If you’re purchasing this may apply to your loan requirements.
If you’re selling and an offer is Conventional, you may have to provide these requirements.
Make sure the utilities and mechanical systems are on and functioning correctly.
Make sure carbon monoxide detectors are installed and functional.
Make sure water heater is properly strapped to code; if required by state law. This applies to homeslocated in California and various other states with seismic zone ratings of 3 or above.
Please make sure all areas of the property (including all units, rooms, garages, outbuildings, guest units,etc.) are accessible to the appraiser for inspection. Please make sure that the appraiser has a clear path around the exterior of the home. The appraiser may need to photograph all of these areas.
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