Are interest rates rising? Yes, they are slowing inching their way up. Let’s face it, interest rates are still low. Back in the late 80’s I paid over 18% interest on my house loan, grant you back then prices of homes weren’t what they are today so the amount I was borrowing wasn’t that much so it’s hard to compare.
Many people start to panic when they see interest rates going up. I don’t blame them. It can make a huge difference on the property you are interested in. For instance, just a quarter of a percent can change your payment hundreds depending on how much you are borrowing.
The HUD 184 Native American Indian Home Loan Program is considered a FHA loan. I am still helping eligible
Yes! you’ve come to the right site if you’re looking into the HUD 184 Native American Indian Loan Program for Las Vegas, Summerlin, Henderson, Green Valley and the rest of Clark County.
I have helped many buyers with this program and can help you too. Give/send me a call, text or email at 702.321.9383 or GowithPenny@yahoo.com.
Whether you’re ready to buy now or in the future I can help guide you as I have helped many others with how the program works and if it’s right for you. Even if you’re not ready to buy that’s ok, we can discuss the program and prepare you for your future purchase.
It is a government funded program so there are requirements you must meet but that’s common of most financing situations available. If this program isn’t right for you I’m sure I can find you one that fits your needs.
Our Las Vegas housing market is hot right now, which means we have a very low inventory of homes for sale and more buyers than sellers. It makes for our housing market to be a little off balance. Las Vegas needs more sellers. Sellers know this and are asking for more than their properties are worth, sometimes not all sellers do this but many do. When they behave this way it drives up prices and sometimes the buyers who are financing a purchase get out bid by cash buyers. In those cases it is what it is.
Do not give up hope. I have successfully helped buyers purchase the home they wanted, they did not settle for less. I have a great track record with working with other Realtors and take great joy knowing that I can meet my clients expectations of being a Rock Star Realtor for them.
Click on my testimonial page to hear what they have to say about me. http://www.sunnylasvegashomes.com
Thank you again for you time. Enjoy your life, Penny
Hi there everyone, If you’re looking for someone who knows how this program works, Call Penny NOW 702.321.9383
What exactly is the Section 184 Loan Guarantee Program?
The Section 184 Loan Guarantee Program is a loan product available to Tribes, Tribally Designated Housing Entities (TDHEs), and Tribal members. This loan can be used on or off reservation for purchase, rehab, refinance, or new construction. The Section 184 Indian Home Loan Guarantee program is a tool for Tribes to bring more housing to tribal communities and other areas. Section 184 Loans are used for SFR, single-family housing (1-4 units), with a fixed-rate loan for 30 years or less. Section 184 cannot be used for commercial structures or with any type of Adjustable Rate Mortgages (ARMs).
Who qualifies for the HUD 184 loan?
American Indians or Alaska Natives who are members of a federally recognized tribe
Federally recognized Indian tribes
Tribally designated housing entities
Indian Housing Authorities
Yes, Penny knows this program very well. She can help you understand how it works. The Section 184 Indian Home Loan Guarantee Program is an amazing home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Congress established this program in 1992 to facilitate homeownership and increase access to capital in Native American Communities.
With Section 184 financing buyers can get into a home with a low down payment. One of Penny’s single mom buyers only had to come in with $1700 total to buy a 3 bedroom townhome with a 2 car garage. It was cheaper for her to buy a home than to rent. A couple from Alaska bought a two bedroom townhome with a 2 car garage, they were happy to have the program available for them to use.
Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.
Section 184 is synonymous with home ownership in Indian Country.
Penny has helped so many buyers using this program, she believes it’s a fantastic program for the well deserving population that qualifies for it. Please feel free to call her for more information. Penny O’Brien 702.321.9383
Section 184 is adding to the marketability and value of the Native assets and strengthening the financial standing of Native communities.
Is Las Vegas eligible for the program?
Yes, Las Vegas, Summerlin, Henderson, Green Valley, North Las Vegas, Southwest and Northwest Las Vegas all fit the criteria for this loan. The program has grown to include eligible areas beyond tribal trust land.
What you can expect from Penny when you are a First-Time home buyer:
She works at no cost to you!
Provides detailed listing information not always available to the general public.
Negotiates the deal to help save you money.
Guides you through the avalanche of paperwork.
Penny Commits lots of time and energy to finding you the right property.
As your Real Estate Agent she will lead you through every single step of the exciting home buying process. Penny will help you define your “wish list” of features you want in your home.
She will walk you through the mind-boggling financial details associated with buying a home. She monitors all new listings and will alert you to new listings as soon as they are put on the market. She will help to eliminate the stress involved with buying a home by putting her years of real estate experience to work for you. Finding the right property for you is her business. Contract Penny NOW! 702.321.9383 GOwithPenny@yahoo.com
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
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.
Hi there, I am here Honoring America’s Native People
National Native American Heritage Month, observed since 1990, gives Americans the opportunity to reflect, celebrate, and honor the Native People of this land. This year, we celebrate the 27th anniversary of this observance to marvel at their contributions to society, educate ourselves on their heritage and raise awareness about the challenges and triumphs they have endured throughout history.
Native Americans have contributed vastly in the arts, sciences, education, civic leadership, and engineering, just to name a few. They have served and continue to serve in our Armed Forces, pioneered many of our medical and vocational innovations, leading many of the environmental activism being carried out today.
Did you know? There are over 550 federally recognized tribes in America today and currently about 4.5 million Native Americans living in the U.S.
obtaining a NADL, law requires that:
The applicant must be an eligible Veteran.
The tribal organization or other appropriate Native American group must be participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, that spells out the conditions under which the program will operate on its trust lands.
Apply for the Certificate of Eligibility.
The loan must be to purchase, construct, or improve a home on Native American trust land.
The Veteran must occupy the property as his or her primary residence.
The Veteran must be a satisfactory credit risk
I can help with your buying and selling needs. I have been in the Real Estate business for over 20 years and have VERY happy clients. Call me:
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