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Posts Tagged ‘FHA’

Good News for Clark County Buyers, FHA buying limits for Las Vegas Henderson North Las Vegas SW and NW of the Las Vegas Valley

Friday, December 8th, 2017

 Hi there everyone,

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.

Enjoy your day/evening.  Penny

Cave, Hang Son Doong, Vietnam, I’m here to help U find your cave here Las Vegas Summerlin Henderson Homes for Buyers and sellers

Wednesday, December 6th, 2017

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

RE/MAX Excellence Realtor Puts the Excellence in Real Estate Las Vegas and Henderson Penny O’Brien 702.321.9383

Wednesday, December 6th, 2017

Hi there,

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.

Multigenerational housing GenSmart Suite Las Vegas New Homes

Wednesday, December 6th, 2017

Hi there,

Check out this GenSmart Suite video I took for you.  I can help you find what you’re looking for, Penny O’Brien, 702.321.9383.

Multigenerational house plans accommodate different reasons why there are more generations under the same roof these days. There is no major division between lodgings; all of the bedrooms, bathrooms and public spaces are encompassed in the same house or casita. Plans for multigenerational homes often create privacy by dividing bedrooms into separate wings, or by including a bathroom with every bedroom. The kitchen, dining room and other communal areas are generally shared.

Multi-Family house plans, typically include two or more complete living suites within the same structure/house. For Example:  duplex or apartment complex, each living space includes a separate kitchen and living area and a separate entrance. Of course there are many different approaches to multi-family house plans and designs. Maybe a two-story home could contain living areas for three different families: one in the basement, a second on the ground floor and a third above. Alternatively, a townhouse-style design would place two, sometimes the same floor plan of living areas next to each other, with a separate entrance for each.

There are so many reasons why more American households now consist of two or more generations under one roof:

Debt-saddled millennials can’t afford or don’t want  to move out on their own; boomers worried about their aging parents want to keep them close by; live-in grandparent babysitters can help offset the price of child-care and other expenses related to raising children.

I can help you with your REAL ESTATE Needs, Penny O’Brien 702.321.9383 RE/MAX Excellence, where I put the Excellence into Real Estate.

Buying options, Cash, VA, FHA and Conventional

Vegan Realtor helping Vegans buy and sell homes in Las Vegas, Penny O’Brien 702.321.9383

Tuesday, December 5th, 2017

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

affordable housing in Las Vegas, North Las Vegas, Penny O’Brien 702.321.9383 Priced under $130k

Tuesday, November 21st, 2017

HI there, VA, FHA, Conventional and Cash Buyers, Investors and Section 184 Native American Indian Home Loan Program

as many of you know, I do keep up with all the new home builders and their construction.  When I was out yesterday previewing new home builders I came across a new tract home sales person who gave me a little inside information about a new community that is opening up.  As far as I can tell right now they are going to be the least expensive new home builder in town.

If you are looking for a wonderful place and want more information call me now so I can help get you into this area and price range before anyone else.

Penny O’Brien 702.321.9383

RE/MAX Excellence

SUNSET in Las Vegas, Penny O’Brien 702.321.9383 Buyers, sellers everyone is welcome Section 184 FHA, Conventional, Cash, VA

Wednesday, November 8th, 2017
SUNSET in LAS VEGAS

SUNSET in LAS VEGAS

Hi everyone,

Evenings in Las Vegas are amazing.  If you don’t already live here then you might want to consider the move.

Perks of living in Las Vegas

Wonderful weather

So many wonderful food establishments

No state tax

Great People

Low Property taxes

Concerts and wonderful entertainers

Beautiful evening and sunsets

Great housing prices

24 hour shopping

gambling

great airport

ubers everywhere

Great Realtor, Penny O’Brien here to assist in your moving needs

Lenders with wonderful loan programs like the HUD Section 184 Native American Program, FHA

VA loans

Conventional lenders with great programs

Las Vegas Strip

Fun and more fun

Section 184 Indian Home Loan Guarantee Program, ask me about it.

Here’s a little about the Section 184 Program:

It’s the Office of Loan Guarantee within HUD’s Office of Native American Programs, which guarantees the Section 184 home mortgage loans made to Native borrowers.

The borrower applies for the Section 184 loan with a participating lender, I have access to these lenders, just give me a call @ 702.321.9383, Penny O’Brien.

The lender then evaluates the necessary loan documentation and submits the loan for approval to HUD’s Office of Loan Guarantee.

I can help with your Real Estates needs with over 18 years full time experience.  I only have amazing happy clients who would love to share with you their Real Estate Experience we experienced. Penny

 

 

1% Down Payment Buyers Conventional loan Las Vegas, NV Low down payment Call Penny O’Brien 702.321.9383

Wednesday, November 8th, 2017

Hi there,

Do  you have the need to purchase a home but don’t have enough money for your down payment?  I have news for you.  There is a lending company out there that offers a 2 % Lender Gift to qualified borrowers.  With this 97% LTV mortgage, I can help buyers get into your dream home with a low 1 % down payment.  Here is a few of the highlights of this program.

Conventional loan

Available on 10,15, 20,25, and 30 year fixed rate purchase loans

97% LTV

Lender Gift in the amount of 2% of the loan amount

First time home buyer is not a requirement

Cancellable monthly mortgage insurance

Boarder income can be used

1 unit single family residence

FICO score as low as 640

This program is to help more buyers buy a home.  Call me and let’s get moving NOW

Penny O’Brien 702.321.9383

RE/MAX Excellence Las Vegas, NV

MORE info:

Down payment, the minimum borrower contribution is 1%.  This 1% must be from the borrowers’ own funds and cannot be a gift.

Mortgage Credit Certificate can be used to qualify for more home

This is a great alternative to FHA due to no upfront MIP and monthly MI  is cancellable whereas on FHA, the MI is for the life of the loan

 

PROPERTY TYPES:

SFR, condo’s PUD no 2-4 units or Manufactured homes

Purchase/Owner Occupied Only, no refinances

Borrower does not have to be a first time home buyer but cannot own other property at the time of closing.

Loan must receive approve/eligible DU finding

 

I work with all buyers and sellers no matter what your situation is: Short Sales too.

I am a military mom, I LOVE helping with VA loans too.

I know the HUD Section 184 Native American Home Loan Program and have lots of buyers who have used it. it’s an  AWESOME program

 

 

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

Home equity in Las Vegas, Henderson, Summerlin, North Las Vegas, SW, NW Call Special Agent Penny O’Brien NOW 702.321.9383 MOVING

Friday, August 11th, 2017

 

Hello Buyers and Sellers:

How are you?  I trust all is well for  you and yours.  Are you getting ready to move?  Whether it is now or later I can help you understand the selling market.  I have so much experience in this Las Vegas, Summerlin, Henderson, Southwest, Northwest and North Las Vegas.  I have been working with buyers and sellers for over 18 years full-time.  I have the most amazing clients, they will tell you how their experience was with me if you’re interested in speaking with them.  We have fun, it’s a Professioanl experience,  you’ll enjoy how the selling or buying experience goes for you.

In other words:  I know what I’m doing.  I work with all buyers and sellers,  NOD, short sales, traditional sales.

Buyers purchasing with FHA, FHA HUD 184, Cash, Conventional.  VA.  I love working with all buyers.

Call me, Penny O’Brien with RE/MAX Excellence. 702.321.9383

Penny O'Brien
Las Vegas | Henderson | Summerlin Realtor/Real Estate Agent


Cell:  702.321.9383
Email: lasvegasniceliving@yahoo.com

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