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Posts Tagged ‘purchase’

Good News for Clark County Buyers, FHA buying limits for Las Vegas Henderson North Las Vegas SW and NW of the Las Vegas Valley

Friday, December 8th, 2017

 Hi there everyone,

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.

Enjoy your day/evening.  Penny

American Indian Home Loan Program HUD 184 Las Vegas REALTOR

Tuesday, December 5th, 2017

Hi there,

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.

  1. Your full name, address, telephone number and birth certificate, and marriage certificate.  (born 1940)
  2. Completed application form for CDIB card.
  3. 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)
  4. 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.
  5. Your great grandparents full name, birth death and marriage certificates for both. (born 1865-1870)
  6. 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

702.321.9383

Native American Indian Home Loan Program Section 184 HUD, Help is here

Friday, November 17th, 2017

Hi there,

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.

take care, enjoy your day/evening. Penny

California movers to Las Vegas, let’s get moving Special Agent Penny O’Brien 702.321.9383

Thursday, November 16th, 2017

Welcome,

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
  • Red Rock Canyon…. Hike or drive through the loop
  • Mt. Charleston…. Get some really good fresh air

Summerlin Section 184 Native American Loan Program HUD Las Vegas

Wednesday, November 15th, 2017

Hi there, I am here to help.

I have helped many families purchase their homes with this program.  If you’re looking for an Experienced Realtor, It’s Me.  I can Help.  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.

Because of 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 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.

Penny O’Brien

702.321.9383

My office:

RE/MAX Excellence

4435 S. Buffalo Dr.

Las Vegas, NV 89147

1% Down Payment Buyers Conventional loan Las Vegas, NV Low down payment Call Penny O’Brien 702.321.9383

Wednesday, November 8th, 2017

Hi there,

Do  you have the need to purchase a home but don’t have enough money for your down payment?  I have news for you.  There is a lending company out there that offers a 2 % Lender Gift to qualified borrowers.  With this 97% LTV mortgage, I can help buyers get into your dream home with a low 1 % down payment.  Here is a few of the highlights of this program.

Conventional loan

Available on 10,15, 20,25, and 30 year fixed rate purchase loans

97% LTV

Lender Gift in the amount of 2% of the loan amount

First time home buyer is not a requirement

Cancellable monthly mortgage insurance

Boarder income can be used

1 unit single family residence

FICO score as low as 640

This program is to help more buyers buy a home.  Call me and let’s get moving NOW

Penny O’Brien 702.321.9383

RE/MAX Excellence Las Vegas, NV

MORE info:

Down payment, the minimum borrower contribution is 1%.  This 1% must be from the borrowers’ own funds and cannot be a gift.

Mortgage Credit Certificate can be used to qualify for more home

This is a great alternative to FHA due to no upfront MIP and monthly MI  is cancellable whereas on FHA, the MI is for the life of the loan

 

PROPERTY TYPES:

SFR, condo’s PUD no 2-4 units or Manufactured homes

Purchase/Owner Occupied Only, no refinances

Borrower does not have to be a first time home buyer but cannot own other property at the time of closing.

Loan must receive approve/eligible DU finding

 

I work with all buyers and sellers no matter what your situation is: Short Sales too.

I am a military mom, I LOVE helping with VA loans too.

I know the HUD Section 184 Native American Home Loan Program and have lots of buyers who have used it. it’s an  AWESOME program

 

 

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

American Dream Las Vegas Nevada. FHA, VA, CASH and Conventional FINANCING

Wednesday, August 2nd, 2017

Hi there,

What does the American dream of owning a home mean to you?  Here in Vegas, the Sin City Capital of the World.  The fun adult playground. The city with so much to offer. The City who has fantastic sunshine throughout the year.

Many first-time home buyers are afraid to purchase.  The truth is in most cases it’s better to buy then rent, and in most cases it’s cheaper.  Plus, you don’t have a landlord and others to deal with, IT’S YOURS!!!

A majority of my clients are first timers. I call them my Real estate virgins.  I absolutely love working with them.  If you are interested in buying a place, please give me a call and I can help you understand the ins and outs of buying.  I will become your Realtor for life.

Make it a great day!  Penny O’Brien 702.321.9383

FHA APPROVED LAS VEGAS CONDO’S FROM PENNY O’BRIEN 702.321.9383

Monday, March 6th, 2017

Hi everyone,

Are you in the market to purchase a condo?  Are you a FHA buyer?  Do you want to know which condo complexes are FHA ready?

Feel free to give me a text, call or email for more information or if you have questions.  Do you have questions about HUD homes and how it all works? Call me, let’s talk Real Estate.

Enjoy your day, 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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