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
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.
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.
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.
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
Are you moving to Vegas? Thinking about moving to Las Vegas? Have friends moving to Vegas? I can help you. I have helped so many California people move here and purchase a place. Yes, you’re right Vegas doesn’t have the beautiful beaches…….. we do have other types of fun.
Call Me and let’s talk about Las Vegas REAL ESTATE, Penny O’Brien RE/MAX Excellence 702.321.9383
I can help you find the perfect place to make your own. I’ve been helping buyers and sellers for over 20 years. Buying with cash, FHA, VA, Conventional, Section 184 Native American Indian Home Loan program. I have all the new home construction builders info too. Let’s get moving. Enjoy your life.
Go to the Park. You can take your family or go with a friend. …WE have amazing parks all through the valley, Henderson has a water park. Summerlin has huge inviting parks
Watch the Sunset. … Yes, our desert has grand sunsets
Pack a Picnic Lunch. …and go people watch on the strip
Play Board Games. … there’s all kinds of places to sign up for game playing
Play Card Games. …Eurche? do you know how to play? it’s not just a midwest game anymore
Do a Road Rally With Friends. …
Free fun things…….. There are so many free things to see in Vegas
Throw a B.Y.O.E…… Get to know new neighbors this way
Farmers Markets….. we have farmers markets all through the valley
Library’s….. the library’s have free events every weekend
Staring in 1992, Congress established the Section 184 Indian Home Loan Program. The program was designed to offer home ownership and housing rehabilitation opportunities for eligible Native American individuals, families, tribes and tribally designated housing entities (including Indian Housing Authorities) on their native lands and within an approved Indian area.
Why a Loan Program Specific to Native Americans and their families? It’s very unique status of Indian lands, Native American home ownership is an well deserved market. The Section 184 program was designed to improve access to capital for Native Americans and provide private funding opportunities for tribal housing agencies.
HUD guarantees each mortgage loan made to eligible borrowers. The loan guarantee assures the lender that its investment will be repaid in the event of a foreclosure.
The borrower pays a 1% loan guarantee fee at closing, which may be financed in the mortgage or paid in cash.
The borrower applies for the loan with a participating lender, or works with the tribe and the Bureau of Indian Affairs if leasing tribal land. The lender then evaluates the necessary loan documentation and submits the loan for approval to the HUD Office of Loan Guarantee.
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