Posts Tagged ‘penny O’Brien’
Monday, September 25th, 2017
Let’s talk about high rises in Las Vegas , Downtown area. Currently via the MLS there are around 416 for sale. Here are a few buildings for you.
Newport Lofts are located: north on Main St past Charleston Blvd and right on Hoover Ave.
JUHL is located: Bonneville Between 3rd and 4th St.
Streamline Tower otherwise known as the Ogden, is located: On the corner of Las Vegas Blvd and Ogden.
SOHO Lofts are located: Left on Charleston Blvd, Left on S Las Vegas Blvd, Left on Hoover Ave. L@@k Left.
Newport Lofts are located: West on Charleston Blvd, North on South Casino Center Blvd, East on Hoover, L@@K left.
WIMBLEDON Tennis Club is located: Paradise & Flamingo , Turn left on Swenson to Wimbeldon.
ROYAL CREST CIRCLE is located: Desert Inn Drive. Right onto Swenson
REGENCY TOWERS is located: Maryland Parkway and Flamingo head North on Maryland to Vegas Valley.
Do I have your interest yet? Call me to list yours to purchase one. I’m here for you. Penny O’Brien with RE/MAX Excellence. 702.321.9383
P.S. Here’s a few more:
Allure Tower is located: Sahara east to Las Vegas Blvd.
Sky Las Vegas location: Sahara & Las Vegas Blvd.
Metropolis is located: Sahara past LV Blvd, first Right on Paradise.
Monday, September 25th, 2017
I trust all is well for you and yours.
Let’s talk about living downtown Las Vegas, NV. I do not have a crystal ball but I can tell you from what I see and know about Downtown Las Vegas it’s taking off. It’s had a very bad rap for a long time and actually still has some what of a stigma. The stigma of scary, dirty, gross, all those things that go along with nasty. Yes, it’s true, there still is a lot of filth. Yes, down right dirty and disgusting. BUT, it’s changing slowly but surely. It’s changing for the better. Much better.
Mayor Goodman did so much work to get good businesses to open up in the down town area. He worked really hard and made a lot of progress. I hope he feels his dream is coming true.
CEO of Zappos, Tony Hsieh lives downtown in Las Vegas in the Trailer Park called Llamapolis. I have not been inside the trailer court although I would love to have the opportunity to experience it.
Zappos of course is one of the biggest businesses downtown, there are so many new businesses and restaurants moving in too.
White castle will be opening soon, that restaurant alone is a HUGE positive for downtown Vegas.
Call me NOW! PENNY O’Brien your Realtor @ 702.321.9383
Friday, September 1st, 2017
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
Wednesday, August 2nd, 2017
That’s the first thing I hear when I engage in a conversation about prices of Real Estate here in Las Vegas, Henderson, Summerlin, SW, NW the entire Valley. You mean to tell me I can buy what I want for under $300k?
Las Vegas home prices are rising as I am submitting this blog. It’s just the honest truth. Current homeowners are so happy prices are going up, buyers not so much.
There are thousands of new homes being built here, while Re-sale homes are sparse. There just isn’t enough homes for all the buyers.
With NV not having State Taxes people can actually afford more for a home. I know when I lived in Iowa I paid a lot in State Taxes and Property taxes.
Las Vegas has a very low property tax charge.
Call me NOW so we can go over all your Real Estate needs. Enjoy your day/evening. Penny O’Brien 702.321.9383
Tuesday, August 1st, 2017
Let’s talk about lending:
The best way to explain what a conventional loan means is that a home buyer’s mortgage is not backed or insured by a government agency such as the Federal Housing Administration (FHA) or Veterans Administration (VA). Buyers can use a conventional mortgage to purchase a one- to four-unit home, a condominium, modular or manufactured home as a primary, secondary or investment property.
A loan that conforms to conditions and terms of the government-sponsored enterprises Fannie Mae and Freddie Mac is called a “conventional loan.” The down payment of a conventional purchase loan is generally higher than that of a government-insured loan, such as an FHA loan, which is 3.5%. Conventional borrowers generally must pay between 5% to 20% percent of a home’s purchase price for a down payment. On a refinance a conventional loan can go up to the Loan to Value (LTV) of 95% with the addition of PMI or LPMI factors.
On a conventional loan the lender will consider a buyer’s debt-to-income ratio, which he/she determines by calculating the projected housing costs and actual recurring monthly expenses. A buyer/buyer’s home expenses. Which include the monthly loan payment applied toward principal and interest, property taxes, mortgage and homeowners insurance as well as total of all monthly expenses, including housing, must not exceed 43% of the buyer’s income. Do you fit that criteria?
A FICO credit score of 640 and higher increases a borrower’s rate of approval and may reduce the loan’s interest rate. FICO is an abbreviation for the Fair Isaac Corporation, the first company to offer a credit-risk model with a score. The story would be more interesting if “Fair Isaac” refers to some wise, above board person. Here’s the deal: Bill Fair and Earl Isaac are the founders.
Borrowers who have filed a Chapter 7 bankruptcy case can apply for a conventional mortgage after four years from discharge date, and those who have filed a Chapter 13 may apply two years after the re-establishment of an active credit profile.
The current market and the borrower’s FICO credit score influence the interest rate he’ll receive on a conventional loan. Conventional loan programs at a fixed rate, where the interest rate stays consistently the same throughout the term of the loan, or as an ARM, an adjustable-rate mortgage, where interest rates initiate at a below-market rate and change on a designated schedule, which ranges from monthly to annually or longer.
Conforming conventional loans: have a maximum loan limit set by Fannie Mae at the county level.
In the case of non-conforming loans, banks ususally set the limit at 80 to 90 percent of the home’s appraised value.
Call Penny O’Brien @ 702.321.9383
Monday, July 31st, 2017
I trust all is well for you and yours. Have you heard the news about a new Summerlin Village opening up? Oh my goodness. I’ve been living in Summerlin for over 19 years and I have to say this is one of my favorite Villages. It’s tucked up in the mountains. The views are amazing. The club house area will be Guard Gated. There’s going to be the standard big park areas like Summerlin Provides so well. Lush green trees and beautiful landscaping. There are so many wonderful things to mention about this Reverence Village. I LOVE IT and I think you will too. Call me anytime for more information or even better, let’s go shopping. Penny O’Brien @ 702.321.9383 Your, Sunny Las Vegas Realtor with over 19 years of REAL ESTATE experience. Thank you for your time, Penny
rev·er·ence: deep respect for someone or something.
Wednesday, June 21st, 2017
I am originally from Iowa, after spending 37 years there, I decided to move to Las Vegas.
HUD 184 Loan Program. It’s an amazing Government program that allows a low interest rate and many other wonderful aspects for soon to be homeowners or homeowners who are looking to remodel. Please give me a buzz so we can discuss more about the 184 Loan Program. Have fun and enjoy your life,
Penny O’Brien 702.321.9383
Tuesday, April 4th, 2017
Call Penny at 702.321.9383. Summerlin condo for sale in Las Vegas
Tuesday, March 28th, 2017
1. Square footage= SF
Like the story of Goldilocks and the 3 bears: Too small and you might quickly outgrow your new space. Too big can mean unnecessary energy bills and money spent furnishing space you never use. Too much space to clean in my opinion.
2. Drive time
Be sure your daily commute won’t leave you sitting in traffic, rethinking your relationship with your house. Consider driving to work from your potential home a couple times during rush hour to make sure you know what you’re getting into.
3. Walking distance
Being able to walk, bike or hike to shops, restaurants, parks and public transportation can really boost your quality of life.
Does the neighborhood include features that you feel are critical to your particular lifestyle, like yoga studios, late night takeout options or a safe playground for your kids and or your pets?
5. Planes, trains and automobiles
If you travel frequently, be sure you love how close your potential new home is to the airport, main highways or public transportation. Not a fan of planes flying overhead – or late night trains? Keep that in mind when checking out areas as well. We have a disclosure for that. 😉
Enjoy your day or evening, Please give me a call with any Real Estate questions you may have. I am here to help. Penny O’Brien 702.321.9383 GOWITHPENNY@yahoo.com
Saturday, March 25th, 2017
Here is just a little information about what Section HUD 184 requires and offers:
You must be an enrolled member of a federalized recognized Tribe.
Down payments: estimated 1.25% to 2.25%
Regular 30 year fixed rates are available.
Yes, to New construction and renovation.
Low monthly Mortgage insurance.
Modular Homes allowed.
Gifts and Tribal assistance are ok.
No hidden terms or fees.
For more information Call Penny 702.321.9383 GowithPenny@yahoo.com
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