HOME IS POSSIBLE!

I just wanted to remind you that the 4% down payment assistance from Home is Possible is no longer available on FHA! (boooo!) but we HAVE 2% and 3% on FHA which is STILL a WINNER!

REMEMBER the 5% Home is Possible on Conventional is still available! ( HOORAY!!!)
If you have any questions or need to see if someone qualifies for either let me know!

 

Kim Duclos crs

702.521.3939

 

www.callkim.net

 



Talking to the Right Lender and Pre-Approval

It's Your Advantage - Start Right, Get the Details

Technology has certainly streamlined the home buying process and introduced things that help purchasers make better decisions. Buyers have enthusiastically embraced video tours, digital signatures and the enormous amount of information available about a home, neighborhood, schools and neighbors. The ironic thing is that buyers are ignoring the one single thing that can help them secure the “right” home. Talking to a lender or using a financial calculator is not pre-approval. Pre-approval requires written verification on employment and income and ordering a credit report for the purpose of obtaining a mortgage. A mortgage credit score is different than what a person might see from credit reporting websites.  Pre-approval gives buyers the confidence to know the amount they can borrow which can result in bargaining power when dealing with a seller or competing against another offer. Transactions can close quicker once a buyer has been pre-approved. If any issues are discovered in the initial process, the purchaser and lender will have more time to correct them compared to trying to get it done during the loan approval period as stated in the sales contract.  Most lenders best interest rates are only available to the best borrowers. You might get approved on a loan but at a higher rate than you expected which could make a significant difference in the monthly payments. The “right” home without financing will never have the buyer’s address. Getting pre-approved with a trusted mortgage professional is one of the first steps in the buying process. It can definitely be an advantage that will benefit you in negotiations and ultimately, during the time you own the home. www.callkim.net Call Kim Today @ 702-521-3939

Today's Homebuyers Want . . .

Today's homebuyers want to live in neighborhoods that offer easy living, easy lifestyle with walkable neighborhoods.  People are looking for community life with nearby amenities and a neighborhood connection.  Recently while I was obtaining my REALTOR^®, GREEN Designation, we did indeed talk about walkable neighborhoods.  Perhaps it might be a suburb with restaurants, shops and parks; just an easy stroll from home.  A walkable neighborhood could be considered city life; living in the hippest urban spots often times is a highly sought after purchase.  With demand comes price.  A good realtor can balance the amenities with price, perhaps have alternatives if price doesn't match budget, if  the buyer is set on the walkable neighborhood idea.
Las Vegas has a wonderful selection of walkable neighborhoods - which could be a downtown location, maybe a highrise or a suburb like Summerlin or Green Valley.  Start your search for your new home at www.callkim.net and give me a call at (702) 521-3939. 

Kim Duclos
Elite Realty