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Posts Tagged ‘Loan’

Section 184 Indian Home Loan Guarantee Program in Las Vegas, Ask Penny O’Brien 702.321.9383

Saturday, October 21st, 2017

Hi there,

Yes, You have come to the right person to help you with your home purchase using Section 184.  I have helped so many buyers with this program.  Call Me anytime: 702.321.9383, Penny O’Brien

The Section 184 Indian 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.

Penny’s take about Section 184 Indian Home Loan Guarantee Program:

  • Low Interest Rates: based on the market, it is not the applicant’s credit score
  • Low Down Payment: 2.25% on loans over $50,000
  • Lower Monthly and Upfront Mortgage Insurance than other programs. Nice, right?
  • All Section 184 loans are reasonable and affordable, with reviewed fees and structured appropriately.
  •  Although America has seen a drop in mortgage lending; Section 184 loans, since they are guaranteed by the Federal Government, have stayed healthy and productive.
  • I have amazing clients who have used this program and are extremely happy.

I am ready to help answer any questions you have.  I look forward to hearing from you.  Penny O’Brien @ 702.321.9383

Penny O’Brien

 

 

Alaskans buying up Las Vegas, NV HUD Section Indian Home Loan Guarantee Program 184 FHA Loan Program

Monday, September 25th, 2017

Hi there,

Welcome to my blog full of information about the HUD 184 Loan Program

The Section 184 Indian Home Loan Guarantee Program is a 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 borrowers can get into a home with a  very low down payment. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

I know how to help buyers with the WONDERFUL Section 184 Indian Home Loan Guarantee Program here in Sunny Las Vegas.   I have helped many buyers with this  program.

Call me NOW!  Penny O’Brien 702.321.9383 I can Help ya.

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

SECTION 184 HUD INDIAN HOME LOAN here in Sunny Las Vegas, NV Penny O’Brien can HELP

Tuesday, August 1st, 2017

Hi all,

Call me right now if you have questions about this wonderful Indian Home Loan Section 184 HUD program.  Here is a small map for you.  I have helped MANY happy BUYERS with this program.  Contact me @ 702.321.9383.  I have helped buyers move to Las Vegas from NM, Alaska and many other parts of the United States. I look forward to hearing from you. Penny

HUD 184 MAP

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

Military Families House Hunting in Las Vegas, NV. Let’s get moving. Penny 702.321.9383

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

HOME IS POSSIBLE FOR LAS VEGAS HOME BUYERS

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
GoWithPenny@yahoo.com

 

What is a tribal card? CDIB? Do you have one? Call me now, HUD 184 is here now

Sunday, January 22nd, 2017

Hi there,

A Certificate of Degree of Indian Blood or Certificate of Degree of Alaska Native Blood (both abbreviated CDIB) is an official U.S. document that certifies an individual possesses a specific degree of Native American blood of a federally recognized Indian Tribe, band, nation, pueblo, village, or community.

Call me and let’s discuss the HUD 184 Loan Program for you.

Penny O’Brien

702.321.9383

GOWithPenny@yahoo.com

Financing a Home in Las Vegas, NV, Is a Pre-approval letter necessary? Cash? FHA, VA, HUD, Conventional

Sunday, January 22nd, 2017

Hi again,

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

What can a Section 184 Loan be Used for in Las Vegas, NV? FAQ

Sunday, January 15th, 2017

Hi there everyone,
The Section 184 Home Loan Guarantee, is an amazing program,  since January 2012, the Section 184 program has guaranteed over 15,000 loans, worth a total of almost $2.5 billion, to various individuals, Tribes, and TDHEs.
Here is what Section 184 Loans can be used for:

  1. The purchase of a new home
  2. The construction of a new home
  3. Refi a home, refinancing is available.
  4. The purchase and subsequent renovation of an existing home
  5. Renovating an existing home
  6. Section 184 loans can only be used for single (1-4 units) primary residences. They cannot be used for secondary homes or investment purposes.

Section 184 was specifically designed to help increase home ownership.   It’s available in 37 states.

Call me is your interested in this great program.  I have many clients who have used this program, I’m experienced with how it works.  Thank you for your time, Penny

Penny O’Brien 702.321.9383

GoWithPenny@yahoo.com

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


Cell:  702.321.9383
Email: lasvegasniceliving@yahoo.com

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