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Posts Tagged ‘HOA’

CADENCE: HENDERSON, NV Active Adult Master Planned Community. NEW HOMES; Ask Penny O’Brien

Tuesday, August 1st, 2017

Hi everyone:

Here is a new home for sale in Cadence?  Let’s talk about your housing needs:

2151 square foot 2+ den/office single story in Heritage at Cadence! 12 million dollar clubhouse, guard gated Active Adult Master Planned Community in Henderson, close to everything! HOA’s only $137 per month…..this has to close in August!! Normally priced at $387,853…….August COE $364,582!!!  LET’S TALK!!!

Penny O’Brien with RE/MAX Excellence 702.321.9383

Section 184 Indian Home Loan in Las Vegas, NV INFORMATIVE, Call Penny now, 702.321.9383

Tuesday, August 1st, 2017

Hi there,

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

Call Me NOW, Penny O’Brien 702.321.9383

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

Wonderful RENTAL in Las Vegas, NV.

Thursday, January 2nd, 2014

Great home.  3bed 21/2 bath ,master bedroom has study area attached, carpet ,
title through out down stairs. New paint  entire house. owner pays for lawn
service every week, home warranty and HOA dues.

 

Call me for a showing, Penny @ 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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