North Las Vegas communities are one of the fastest growing communities in the Las Vegas. The real estate has had a population growth of over 65% since the year 2000, the majority of North Las Vegas Communities are new.
Current Master Planned Communities
__Aliante began in 2001. Aliante has 1900 acres for it's master planned community. Aliante has over 9,800 residents of this North Las Vegas master planned community
__Sun City Alainte is a age restriced community.
__Eldorado is a 1,000 acre master planned community that began in the late 1980's, has 4,500 homes with an estimated 15,000 residents.
The North Las Vegas community will have another master planned community built in the near future. over 2,600 acres was sold for $630,000,000 to Olympia Group. Olympia Group are the develepors of Southern Highlands, a beautiful master planned community in the south end of Las Vegas.
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New Homes North Las Vegas
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North Las Vegas Casinos
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Mount Charleston 4 skying, Las Vegas motor speedway 4 racing fans & Lake meat 4 fishing +
Saturday, December 22, 2007
North Las Vegas Communities
Thursday, December 20, 2007
Expired listing, angry home owner!
Sometimes, the best homes don't even sell.
Homeowner is angry, angry because their property has been rejected, they are being forced to change whatever plans they had. Their anger first might be towards the listing agent because he or she is directly responsible. they trusted them to come through and they didn’t.
Agent should understand & empathize! Passing the emotional state will bring us to reasons why, obviously the home buyers felt the other home offered them more. Let's reasons.
Unfavorable market condition
Down market cycle is the most obvious reason, its buyers market but listings expires the most when the followings condition are also the factor:
Seller, lack motivation
First step is to review your reason to sell. do you still really have a good reason to sell, are you motivated and want to do what it takes to sell your home at the current market condition, if no, maybe you should temporarily take your home off the market, if yes, continue to read...
Home is not Priced right
Most of the time a property doesn't sell because the asking price is more than what a willing, capable buyer wants to pay for it, for whatever reason. This has been proven over and over again by the number of expired listings on the market every year. In just about every case, the listing price keeps coming down until it's sold.
Agents are always pushing to see how much they can sell. In part, to get the listing and happy client, it works, especially in "hot markets". But, there are limitations based on the laws of supply and demand, when the demand is low "cool market" this strategy is a proof that over pricing hurts in the long run.
Home is not staged right
Is the house staged? does it have a good curb appeal, if buyers wont get out of the agent's car because they don't have a good impression of the house, they will most likely not going to buy. read more on this topic here, Staged home with curb appeal give that first good impression, homes sells faster with higher prices.
Often after hopelessness situation comes a goodness, here's video of such, even though I don't watch "American Idol" but as you will see how Simon's disappointing day turns out
. Amazing SIX-Year-Old Singer - The best bloopers are here
Does your Realtor match Your personality
As we all know, most people don't like sales people and yes Real estate agents are one of them, some dislikes the REALTORS even more, the main reason, buying a house is a stressful experience for most people, then its buying a car.
Home buyers or sellers find them self nervous when they are looking for the right agent, It's been said for years that real estate is a RELATIONSHIP business, in relationship its best if personalities matches, a online personality test before meeting might be helpful.
I did find a website relating to this topic: You are going to love our Agents
A website about: Your personality and the perfect job
The trend how ever, seem to be toward online discount agents that are focusing less on relationship, so far, they haven't taken much of the market share from the traditional brokers, at least not yet.
Tuesday, December 18, 2007
FHA secure loans for lower credit borrower
New loans or refinance with low or bad credit with FHA secure government loan, if you have low Credit score or low down payment?
Back to the basic, FHA offers you low down payment options, eligibility with less than good credit, loan at a reasonable cost, and there is help if trouble making the mortgage payment. FHA mortgage insures the lender against loss, FHA mortgage typically has an interest rate that is competitive with the best in your market, lower than rates charged for sub-prime. FHA helps people buy a home, also helps them keep it as well. protecting lenders against loss, FHA requires financial institutions to offer assistance to borrowers experiencing difficulty making mortgage payments.
FHA now uses industry appraisal standards permitting the use of the Fannie Mae appraisal forms, no Valuation Conditions form or Home buyer Summary. does not have unnecessary requirements to make minor repairs.The buyer and seller, individually or jointly, can pay closing costs as agreed in the sales contract. no limits what closing costs the home buyer is permitted to pay. debt-to-income ratios are what standard conforming products are. payment-to-income ratio 31%
total debt-to-income ratio 43%.
Unless you get automated underwriting approval. minimum credit score is not required. one may not be turned down for an FHA loan for lack of credit history. buyer’s cash investment is three percent, it can be a gift from a family, employer, charitable organization or local government, seller can contribute up to six percent of the home’s price toward closing costs. no prepayment penalties on FHA-insured mortgages. U.S. citizenship is not required, for those who are not citizens, they have be lawful permanent or non-permanent resident aliens with Social Security Number.
These loans are offered with a standard adjustable rate mortgage (ARM) such as 1, 3, 5, and 10-year ARM options. ARM products may be good options for those who plan to own the home for only a few years or expect an increase in future earnings, or expect a decrease in interest rates.
FHA’s Limited Repair Program
FHA’s Section 203(k) Limited Repair Program is a good financing option for you, especially when repairs are identified during a home inspection or appraisal—because it gives buyers the ability to make repairs after closing. Buyers can finance up to an additional $35,000 into their mortgage to pay for minor remodeling such as replacing flooring, installing new appliances, and painting the interior and/or exterior of the home, is this a good loan? affordable one? shop around and then you will know.
In order to be eligible for an FHA-insured mortgage, a borrower must:
1. Occupy the property as the principal residence
2. Possess a valid Social Security Number
3. Have a two-year employment history
4. School or military service count towards this two-year requirement.
5. Not be delinquent on any Federal debt such as a student loan or other FHA-insured mortgage
6. Meet flexible credit requirements.
The FHA is willing to refinance certain delinquent borrowers with interest-only and payment-option adjustable rate mortgage under the FHASecure program, which is designed to rescue subprime borrowers.
However, the delinquency on an IO or option ARM must be the result of an interest rate reset or the full amortization of the mortgage, FHA will refinance almost any loan, except a conventional fixed rate mortgage that is delinquent,” he said. Mr. Carter is with Potomac Partners in Washington.
e-mail me for assistance with these programs.
Thursday, December 13, 2007
Short sale? Realtor & loan officer can make it work
People hear deals on the media about buying cheaper homes, in reality, this approach often becomes a big dilemma for most common agents, they are not willing to take the time for those homes because they just don't know how to go about it selling it for one, or simply find it a waste of their time.
Few Realtors do take the time, tries to get clients a "short sales" deals only to find out, their may not even be a commission! or little if any, this happens because the first in place lender gets their share, if no money left, one of the people who won't get paid either, will be the Realtors. For this reason most Realtors just won't waist their time, buyer clients end up giving up eventually and buys a listed or new home, sellers just go to foreclosure.
When the market was hot, buying any home will make money! but for the next few years until the next up cycle comes, one of the way to make money is in short sales.
Agent who are also a loan officers can really help clients whom are looking for this type of deals, They won't loss interest so fast, because they will get a commission doing the loans.
Buyer gets a great deal! seller credit stays intact. Lender won't have to deal with foreclosure.
A win win win deal!
For sale by owners, your next option
After few weeks or months of trying to sell your home on your own and got no result, one option is to find Realtors/Loan officers to help! Realtor/Loan officers are more motivated to help FSBO's because they get commission either on Real estate transaction or loans.
They can supply you with forms, guide you with your transaction and qualify your buyers and even help you with your next FSBO purchase, you get 2for 1 deal! now, thats a win win situation.
FSBO's realities
(FSBO) for sale by owner is a real estate term that indicates property transactions directly between buyers and sellers without the middle man(REALTORS). The most common reasons for FSBO's:
* Save on the commission
* low motivation to sell.
* Dislike agents for their egos or beliefs that Realtors are incompetent & do not wish to disclose every aspect of their homes to Agents.
Save on commission
is certainly the mindset. This mindset is some what false, specially if the commission is discounted 4-5% but home owners feel that it is very valid. They feel, they are losing money. The reality is, they never had that money in the first place, that money is just the cost of doing business.
In fact, often a good agent can put more money in home owners pocket than they can them self? Generally speaking, homes that sell with a Realtor average 5-10% higher. One reason is the law of supply and demand. In Las Vegas Realtor Association, (GLVAR), there are 17000 real estate agents. the average agents works with 1-3 buyers. that’s over 30,000 potential buyers.
Low motivation
when the home owner is not in hurry, they will try to sell it them self, the fact is they very seldom get lucky, even then, after the hassles & work it takes to sell a home, most will think twice doing it again.
Dislike agents
for their egos or beliefs that Realtors are incompetent, Realtors certainly have a stereo type image with some arrogant and some deep pocket attitude, while most sales people behave in this fashion unfortunately, but home sellers are mistaken to believe that all agents have deep pocket. Salary.com the average Rea Estate sales Agents makes($39,000/yr) with out any benefits.
Wednesday, December 12, 2007
North Las Vegas City
North Las Vegas city surrounded by majestic mountains, the Communities are the most Affordable New communities in Vegas, better value for your housing dollars!
The most surprising location is the beautiful Mt. Charleston, in just under 45 minutes you get to a mountain side unlike any thing you imagined in this dessert city, it looks like Oregon state, you have snow in winter with sky slops and lifts and in the summer when the Temperature is at 100+ in city you can get away for few hours where it drops to low 70's for some relaxing, picnicking, hiking or camping!
North Las Vegas city is also a short drive to Lake Mead, for fishing, boating, swimming. how about to Las Vegas Motor Speedway, One of the most complete racing complexes in the world, a dirt track and a state-of-the-art drag racing facility, home of a 400-mile race on the Nextel Cup Series, Busch and Truck Series events.
Downtown & The strip is on easy access on Hwy 15, just 15 minutes away.
Cannery local Casino Hotels will take you back to friendly atmosphere of 1940's-50' with its modern and pin up girls decor, Taxes station is also another local Casino.
The area is also home to Nellis Air force base. Many jobs of industry are also located here so people find the housing that fits their needs and wants, home owners & investors have done well and will continue to do well.
Some demographics:
Estimated population in July 2005: 176,630 Males: 58,947 (51%) Females: 56,541 (49%)
Median resident age: 28.8 years
Median household income: $46,057 (year 2000)
Median house value: $123,000 (year 2000)
Races in North Las Vegas:
White (39%) Hispanic (37%) Black (19%) Filipino (2%) American Indian (2%)
High school: 66% Bachelor's degree or higher: 10% Graduated degree: 3.3%
North Las Vegas City Public services:
* North Las Vegas City Council
City of North Las Vegas council comprise of Mayor and four Council members
* North Las Vegas vista Hospital
North Las Vegas vista Hospital is for profit with 185 bed. other medical facilities
* North Las Vegas zone map
North Las Vegas Zone map is a little large PDF file
* North Las Vegas Zipcode
North Las Vegas zipcode is a PDF file
* North las Vegas Housing Authority
North Las Vegas Housing Authority offers affordable housing for low income renters or buyers in North Las Vegas, Nevada
* Schools in North Las Vegas
Schools in North las Vegas & the transportation services
* North las Vegas court
North Las Vegas Justice court is at 2428 N Martin L King Blvd Ste A
North Las Vegas, NV 89032 Phone 702-455-7801
* North las Vegas Municipal court
North las Vegas Municipal court is @ 2332 Las Vegas Blvd. N. #100 North Las Vegas, NV 89030 Phone: (702) 633-1130
* North las Vegas DMV
North Las Vegas DMV is @ 2500 E Owens Ave North Las Vegas, NV 89030
Phone: (702) 399-0043
Wednesday, March 7, 2007
Loan application online, Free Credit Report
The Residential loan application is a long form
Loan Application You can fill it on your computer then print, sign & fax "206-350-8787" or you can write it by hand, print blank form first.
Applying for a loan is like doing your taxes, not much fun but once you get organized it will become easier. Items you need to fill the form; SS #, employers & residences, bank statements. (Full doc. loan program only, 2 most recent pay stubs to figure income)
Help filling out the form
Begin filling out each relevant line. Leave lines blank if they don't pertain to you
*** Leave Section I, Type of Mortgage & Terms of Loan, blank
*** Fill out Section II, Property Information if you know & Purpose of Loan
*** Fill out Section III, Borrower Information, with personal information
*** Leave Section VII, Details of Transaction blank
*** Fill out Section VIII, mark the question YES or NO
*** Fill out Section IX, read, Sign, date & fax
Check your credit report free at Federal Trade Commission or go directly www.annualcreditreport.com it is advisable to fix any discrepancies before submitting for a loan. You can dispute discrepancies online if you have documents to prove it at experian. See below for improving your credit score.
Some Tips
* When two people are applying for the same loan, the primary money earner is typically the borrower, not the co-borrower; but the order won't affect your application.
* If your company given "PIN" number for automated employment verification, provide that number or have your employer issue your number. It could take up to 2 weeks to get a number issued!
* less than 2 year history in the same type of job, guidelines require 2 years history, exception, sub prime with higher rate @ least 1 year, unless coming out of college with a professional degree.
* self-employed, federal & any corporate tax returns, profit and loss , 2 years.
* Keep it real. Don't fudge any information on your application. Banks and lenders don't like false information, it could cause a lots of hassles or loan denial, consult with your loan officer.
* if your Credit score is low or found discrepancies read.
How to Improve your Credit Score & save Thousands!
Monday, March 5, 2007
Improve Credit Score, easy steps to the secret
Improve your credit score, before you buy that home or car, follow these few easy steps and save thousands. your credit score is a very important number!
The interest rate you'll pay is determined by this number, a two points difference could cost you Thousands per year on your mortgage payments.
About FICO scores
Credit scores are called “FICO scores” credit bureau scores in America are produced from software developed by (Fair Isaac and Company) this scores are provided to lenders by credit reporting agencies. FICO scores ranges from 350-850 Lenders categorizes the Scores into varies groups
780 above = A+
720 - 779 = A-
680 - 719 = B
620 - 679 = C
550 - 619 = D
549 below = F
Savings Example
Example, a median priced property @ $200,000 on 30-year fixed mortgage.
FICO rates payments
760 - 850 6.00% $1,199
700 - 759 6.30% $1,238
680 - 699 6.50% $1,264
660 - 679 6.80% $1,303
640 - 659 7.30% $1,371
620 - 639 8.00% $1,468
Now, you see that FICO Score can makes such a big difference, below some suggestions, tips on how to fine tune your Credit FICO Score before you apply for that loan.
Improving your Credit FICO Score
If your score is low, improving it will take time! there is no quick fix. In fact, quick-fix efforts some times can make it worse. read & follow these tips:
- Pay bills on time.
Late payments and collections have a major impact on your score. - If missed payments
Get it current & keep it current - Trouble making payments, contact your Lenders or get legitimate credit counseling.
This won't help your score immediately, but if you manage your credit and pay on time, score will get better later on.
Tips on your Credit card balances
- Keep balances less than 50% of credit limits
High outstanding debt balances effect score negatively. - Spread your balance among your cards
- 1 or 2 credit cards close to maxed out while 2 other are not even used, avoid this.
- Reduce your debt by pay offs, not moving it around.
Owing the same amount but having fewer open accounts may lower your score. - Oldest Unused credit cards should not be closed
- it shows your credit history, the longer you have credit the better.
- Getting to many new credit cards that you don't need, just to increase your available credit.
This approach actually could lower credit score, have a lot of new account buildup can look risky if you are a new credit user.
- Closing an account doesn't make it go away
- In fact closing a bad account could hurt your score.
- If you Rate shop for a given loan within a focused period of time.
FICO® scores won't be reduced for a single loan within short period.
Note,Paying off a collection account will not be remove from your credit report, if years old collections are paid, it will show as a current late payment transaction and could even reduce your Credit FICO Score
Unless a lender specifically requires this collection to be paid, this will stay on your report for seven years.
Sunday, February 25, 2007
Las Vegas Deals Update
Entertainment
Cannery casino N. Las Vegas
Celebrating its 4th anniversary with a casino-wide party on Tuesday, Feb 20, from 4 pm to 8 pm Free cake and champagne will be served, the casino staff will be handing out anniversary t-shirts at machines and tables.
Book Early for Summer at Excalibur Las Vegas
Offer includes $20 in casino match play and a $20 dining credit.
Promotions:
May 1, 2007 - Aug 31, 2007
Expires Feb 28, 2007
Tropicana shows 2 for 1
2 for 1 or $2.00 off shows
Treasure Island
•$20 Spa Treatment Credit •$20 Casino FREE PLAY •$15 Food & Beverage Credit •$10 Mystere Discount •2-for-1 Cocktails at Kahunaville
Sign-Up Promotion Stratosphere Daily
New member players club sign-up promotion. Play quarter slots or video poker for a few hours, get a value-escalating (and cumulative) assortment of goodies, including $100 in bounce-back cash.
Concerts, Club 3121 @ Rio Wed. nights free-$31.21
locals free, the price for the level of entertainment presented a great deal!
Mac King Harrah's Tues-Sat $7.99-$21.95
Comedy Magic afternoon show. get a voucher from the coupon booth in the Carnaval Court outside, available around show time, then go up to the third floor showroom. pay a total of $18.76 for two, includes a drink. You get 70 minutes of good laughs, tricks, even a few shock.
Sunday, February 18, 2007
Vegas Blog, born on Valentine's day
Everyone knows Vegas is the wedding capitol of the world, so romantic! especially on Valentine's Day, when thousands of marriage-minded people take the plunge at one of the city's chapels.
In this romantic city! on valentines day 2007 the idea if my blog was born, I started to spend a lots of time working on it. At the same week, had a visitor from Germany by the name of Valentina! oh yeah. As I start writing this paragraph & drink my hot cup of Lipton tea in the cold Vegas night with some V day chocolates, this blog idea really kicked in my head and so, that's how it all began.....
On to my blog now, people always ask, how is the Vegas market? so, one of the way I gage the market is to look at the number of homes on the market, I decided to publish that on monthly bases, by creating this graph, it will be easy to see the trend, tell whether we are in a buyers or sellers market, this will also tell the supply and demand, which determines whether prices are will likely to go up, side ways or down, relatively speaking of course, there are other market forces such as interest rate and local economy that effect directly the real estate market.
Friday, February 16, 2007
Understand loan type
| Loan program | A good loan for borrowers who: | Loan description |
| 30 YEAR | - plan to live in home more than 10 years - like total payment stability |
|
| 10/1 YEAR | - plan to live in property more than 10 years - like initial payment stability, can accept later changes, OR - plan to move in 10 years - want loan to remain in force in case plans change |
|
| 7/23 (2-Step) in 7' | - plan to live in property more than 10 years - can tolerate one payment adjustment OR - plan to move within 7 years - want to remain in force in case plans change |
|
| 7/1 YEAR | - plan to live in property more than 7 years - like initial payment stability, can accept later changes, OR - plan to move within 7 years - want loan to remain in force in case plans change |
|
| 7 YEAR | - plan to live in property more than 7 years - are willing to refinance at prevailing market rates, OR - plan to move within 7 years - like payment stability |
|
| 5/25 (2-Step) in 5' | - plan to live in property more than 5 years - can tolerate one payment adjustment, OR - plan to move within 5 years - want loan to remain in force in case of plans change |
|
| 5/5 & 5/1 YEAR | - plan to live in property more than 5 years - like initial payment stability, can accept later changes , OR - plan to move within 5 years - want loan to remain in force in case plans change |
|
| 5 YEAR | - plan to live in property more than 5 years - are willing to refinance at prevailing market rates, OR - plan to move within 5 years - like payment stability |
|
| 3/3 & 3/1 YEAR | - plan to live in property more than 3 years - like initial payment stability, can accept later changes, OR - plan to move within 3 years - want loan to remain in force in case plans change |
|
| 1 YEAR | - want to take advantage of lowest rate possible - are willing to accept yearly payment changes, OR - cannot qualify at higher rate programs |
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Thursday, January 25, 2007
Vegas Top 10 deals
Las Vegas Great Dinner deals 2007
* * Shrimp Cocktail @ Golden Gate 11-3 am 99¢
Golden Gate Casino, serving its shrimp cocktail since 1959. It's been 99¢ for the past 15 years. comes in a tulip cocktail glass with lemon, and a tangy homemade sauce. served at Deli in the back of the casino.
Downtown, Golden Gate Hotel & Casino One Fremont Street Las Vegas, NV 89101
* * * Chicken Dinner @ Terrible's Casino 24 hrs $4.99
returning to this month's Top 10 is the chicken dinner in the coffee shop at Terrible's. with a rotisserie half-chicken, with rice, beans, corn on the cob, baked potato, and vegetab ($1 add soup or salad)
4100 Paradise rd. by Flamingo rd. Las vegas, NV
* * * Steak Dinner @ Ellis island casino & brewery 24 hrs $4.95
Best dining bargain in Vegas is the 10 ounce filet-cut steak dinner. served with salad, vegetable, potato, garlic bread, it's not on the menu; you have to ask for it.
Karaoke, Consistently voted "Best of Las Vegas" in the
Las Vegas Review-Journal Readers Poll
Located on Koval LaneOne Block South of Flamingo Behind Paris, Bally's
* * * * Prime Rib Dinner @ California 5-11 pm daily $6.99
starts with a full salad bar, continues with a big cooked to order piece of prime beef, potato and vegitables, finishes up with cherries jubilee for dessert in downtown.
PENNY MEGABUCKS JACKPOTS START AT $10 MILLION
For just a $3 investment, you could be a Penny Megabucks Millionaire!
* * * * * Buffet Mirage Daily $12.50-$22.50
Gourmet buffet, high quality, good price, (good shrimp) Asian noodle soup. Raw bars cold Dungeness crab, small, medium peeled shrimp, lox, best buffet ceviches in town. also Middle Eastern dishes at the salad station.
The Mirage "South Seas vibe meets Strip excitement. Where soft, sunlit days give way to torrid nights. Where you are invited to experience The Mirage ---------------------------------------------------------- REMIXED"
