pending

When dealing with buying or selling a home, we’ve always maintained that it’s a good idea to over-prepare. For example, we’ve mentioned in several of our previous articles that one smart move not everyone is smart enough to do is to get your loan pre-approval in hand before even starting to shop for a home. Why? Because if a seller has multiple offers to consider, you’ll tip the scales considerably in your favor by having proof that you’re capable of “sealing the deal” – and that’s a big plus for any seller.

But for those thinking of selling their home, thinking ahead is sage advice for them, too. And one of the smartest steps a seller can take before putting their home on the market is to obtain their own certified home pre-inspection.

Right about now, you’re saying – “Wait a minute – the buyer is going to do that anyway, aren’t they?”

Yes, that’s going to be true in nearly every real estate transaction. But there are often some savvy reasons for a seller to have it done first, and here are a few of them:

It justifies your listing price.

By laying all the cards out on the table, sellers gain bargaining power with potential buyers. When you have certifiable proof on paper of the condition and systems in your home, it makes it harder for buyers to (reasonably) lowball their offers. (And if they unreasonably lowball you, you’ll know they’re not worth spending your time and effort on.) The fact that your home has no underlying issues of concern tangibly translates to the fact that there’s no need for a price cut to be entertained.

It builds trust with potential buyers.

By offering a home with a clean bill of health, it gives buyers more assurance and helps to reduce any apprehensions they may have. Many buyers have legitimate concerns about buying a “Money Pit” – so they often start their home-buying search with that bias in mind. But when you’ve shown you have nothing to hide by sharing the details of the pre-inspection up-front, they’ll look at your home more realistically and be able to realize its true value.

It may help you move faster to closing.

Really, there’s no easier way to build trust than to show them your home has been well-maintained and you have the documents to prove it. That trust can go a long way towards achieving a smooth transaction and a seamless closing.

In some cases, however, it might make sense to skip this step and allow your buyer to pursue the inspection after an offer has been made. If you’re wondering if a home inspection would be a wise choice before putting your home on the market, it’s a good query to add to your list of “Realtor™ Interview” questions. When you’re interviewing potential Realtors™ to work with in selling your home – that answer can help give you a bit of insight to the methods that each agent will use to help sell your home – for the best price and in the shortest time possible. (Go ahead, ask us about it. You know you want to!)

New Home Resource helps current and future homeowners with all of their Las Vegas real estate needs. Whether your preference is for a newly built home from a local builder, or a resale property in just the right location, a New Home Resource Realtor® is here to find the perfect property for you. Please contact a New Home Resource Realtor® today at 702-365-1000 or at www.newhomeresource.com. Broker Joanna Piette, and agents Denise Moreno Thrasher, Jessica O’Brien, Evelyn ‘Beng’ Kern, Lance Partin and Kathy Paterniti are all here to help!

(Or: How To Lose Money By Not Hiring One to Sell Your Home)

Everyone loves “a deal.” In fact, if you’re like most people, finding a great deal on a product or service doesn’t only save money, it just plain makes you feel good. You were smart enough to know where to look, you put in the time to do the research – so you should feel good, because these days we all need to spend our money wisely.

Which means it’s only natural that for any big-ticket expenses, people are going to look around for the best price. But unlike a discount on a new appliance or a smokin’ price on an airline ticket, when it comes to real estate there’s more to take into consideration than simply the commission rate you pay an agent. Or for that matter, you may even wonder if you need to hire an agent at all.

We hear that a lot, actually. And to be truthful, we completely understand the motivation. The mere fact that you are about to sell your home means you’re dealing with big numbers. So it only makes sense to ask questions about the value you’re receiving for those fees.

If you’re like most homeowners, you’ve probably got more than a few more questions on your mind about the benefits of hiring an agent vs. doing it yourself. But whether you decide to work with a Realtor or not, it’s only smart to have all the information in order to make an informed decision. In our experience, many sellers don’t stop to consider some of the following points – and as a result, it can end up costing them money.

1. “Why should I pay an agent’s commission at all?

Naturally, this is a common question. So common, in fact, that studies have been done to see how transactions fare when handled with and without a real estate professional. The results show that when an agent is not used – transactions typically net the seller between 10-20% less cash when it’s all said and done. What does that mean? That working with an agent to list your home will generally pay for itself – and then some.

Part of why that happens is explained below. But it’s not only a matter of counting the actual net proceeds at closing. There are many other ‘intangibles’ that sellers need to consider if they’re going to forge ahead on their own.

2. “What, really, does an agent do for me – that I can’t do myself?”

Great question! Without an agent , here’s what happens:

• Sellers need to determine the value of their home in the current marketplace and neighborhood. Contrary to what people think, it isn’t simply a matter of getting a “Zestimate” on Zillow. For one thing, the estimates calculated by Zillow are created by mathematical formula. That means they don’t take into account the specifics of your property – such as upgraded items, water features, cul-de-sacs, and other potentially desirable features that set your home apart from the competition. Independent research has shown that Zillow estimates can range from 8-20% off actual market pricing. For a $200,000 home, that can mean an incorrect valuation between $16,000-$40,000. (Can you see that money leaving your net profit already?)

On the other hand, not only does a real estate professional have access to Multiple Listing Service (MLS) historical data and proprietary information gathering systems – they also know the area, and in many cases, are even familiar with the specific homes that you will be competing with for a buyer. Providing a detailed analysis of what has sold and is for sale in your specific area is part of an agent’s service – and allows you to ensure your property is priced right, seen often, and gets the best results.

• Sellers need to market their home themselves. Without the mainstream access of the MLS, sellers must spend time and money on advertising and getting the word out that their home is for sale at all. Whether it’s through newspapers, online ads, flyers, direct mail to Realtors – it takes a lot of effort to make your single home noticed in a busy real estate environment. Taking photos, putting up signage – it’s a lot of work; and worse, without a network it might net you only minor results. At best, sellers are able to make a small local part of the market know their home is for sale. At worst, it means that having a much smaller pool of potential buyers limits the offers and opportunities for a speedy sale at the best possible price.

Of course, this is all in addition to the time it takes you, as the seller, to maintain your property in ‘show-ready’ condition at all times. There may be repairs to be made, or even just the day-to-day maintenance of living in a home and trying to make it as welcoming as possible to potential buyers by keeping it clean and clutter-free. (Many sellers consider that a full-time job in itself!)

On the other hand, a professional agent not only has an internal network of support and services that takes care of creating both an online and print identity for your listing – but your home gets marketed to all the other agents in the area. You know – the ones who are representing real, pre-qualified buyers. The combined reach of the MLS and the broker’s own marketing programs mean that once your home is listed, the word is OUT.

• Sellers need to handle the paperwork, contracts, and documentation on their own. That can be a scary proposition if you’re not familiar with the laws concerning real estate transactions. Failure to provide information or contractually cover all your bases can not only result in failing to close the deal – but can involve potential legal ramifications via lawsuits and costly settlements – both now or even years down the road. And all for an oversight you simply weren’t aware of.

On the other hand, real estate agents know the law. And a good one not only knows what is required to meet its demanding specifications, but also knows how to anticipate and head off potential problems – simply by the scale of their experience.

• Sellers may still be working with a buyer’s agent, even if they’re going the “For Sale By Owner” route. If you think about it, here’s what that means: You’re going to pay the buyer’s agent to protect the buyer’s interests – but you’re not willing to pay a seller’s agent to protect yours. Ouch.

On the other hand, having an experienced agent on your side, who knows the market, often knows the other agents, knows the business, and follows-through – can give you a considerable leg up in negotiating a deal more beneficial to you.

• But even if you’re not going to agree to a buyer’s agent fee, there’s another drawback. (And just so you’re aware – that’s how most FSBO listings start, by saying “No real estate commissions paid!” But due to lack of activity, it doesn’t take long for sellers to agree to pay the buyer’s agent commission just to get people to see the property).

The drawback we’re talking about? You need to screen potential buyers. Are they financially capable of completing the purchase? Are there any mortgage lender requirements they cannot overcome? You’ll have to do the footwork, make the phone calls, and ask the ‘uncomfortable’ questions about their personal situation so that you can protect your own position. Believe it or not, people will make an offer, you’ll take the property off the market, and only discover weeks or even months later that they may have to sell their own home first, or they don’t have the ability to get a mortgage loan at all. So the closing never happens. And in the meantime, you’ve lost the chance to sell to a truly qualified buyer.

On the other hand, (are you sensing a pattern here?) your agent knows the dance. They set the conditions, they follow up to make sure they’re met, they talk with the escrow and mortgage companies to keep on top of every single requirement the buyer has agreed to. That means problems are discovered and dealt with quickly – and all on your behalf, because your agent is working for you.

Buying a home is an emotional investment, not only a financial decision. And for that reason alone, it is critical that every step in the process is properly handled – the first time around.

Why is that so important? Because perception matters when it comes to real estate. The length of time a home has been on the market, whether the listing price has changed and why, if it has gone into and then fallen out of escrow – all these facts and many others will collectively play a role in the success of your sales efforts.

If it’s all done right, the property is considered “hot” and “in demand.” If not – as in the case of a failed FSBO effort that is ultimately then listed with an agent for sale – it can give potential buyers the perception that there’s something wrong with your home. And quite frankly – with all the other homes available for sale – it’s not worth the risk to them of finding out.

Much like people – a home doesn’t get a second chance to make a great first impression. If your goal is to sell at the right price in a reasonable time frame, a decision not to hire a real estate professional can be a very costly one, indeed.

New Home Resource helps current and future homeowners with all of their Las Vegas real estate needs. Whether your preference is for a newly-built home from a local builder, or a resale property in just the right location, a New Home Resource Realtor® is here to find the perfect property for you. Please contact a New Home Resource Realtor® today at 702-365-1000 or at www.newhomeresource.com. Broker Joanna Piette, and agents Denise Moreno Thrasher, Jessica O’Brien, Evelyn ‘Beng’ Kern, Lance Partin and Kathy Paterniti are all here to help!

No two real estate transactions are ever going to have the exact same set of circumstances. But there are things that are rule of thumb for both buyers and sellers, and your Realtor has experience with what those things are. Without them, the odds are that getting to the finish line will be tougher for you, no matter which side of the transaction you’re on. These are some tips that can make the difference.

A List of “Do’s” for Sellers

You love your home and you just assume that everyone else will see what you do and love it, too. Maybe they will – maybe they won’t. But if you don’t make an effort to focus on the positive aspects of it, how do you expect a prospective buyer to see in the few minutes they have to view your property (and compare it to all the others they see)? Here’s a list some of the most important “Do’s” to make your property the one they want to buy:

1) Yes, staging your home by getting rid of clutter and bringing in furniture or accessories can help it sell. (And that includes the garage.) Also, buyers love to see lots of wide-open counter space – so be sure to clear off countertops in the kitchen and the bathrooms.

2) “Does it really matter if we have the carpets cleaned or take the family photos off the wall?” Yes! A buyer needs to walk in and have it look good, feel good and smell good. Put yourself in the shoes of the prospective buyers as if seeing it for the first time. Perhaps unmade beds or laundry on the floor shouldn’t make a difference – but a mess leaves an impression that’s hard for a buyer to overcome. And whether or not it actually matters to them, you should take advantage of every opportunity to make your home as appealing and showroom-ready as possible.

3) At a minimum, you should follow these steps for every prospective buyer:

a) Have your home clean and smelling good. (By the way, keep in mind that not everyone is a fan of plug-in air fresheners or scents. In fact, some people are quite physically sensitive to them, and an adverse reaction may mean they have to leave your home before they were able to fall in love with it.)

b) A comfortable temperature – whether heated or cool depending on the season.

c) Turn on the lights – it’s welcoming and inviting – and makes it clear there’s nothing about your home to hide.

d) Consider their comfort – set out some snacks or even just bottled water. If nothing else, it will cause them to remember your house out of the sea of competitors they visited that day.

4) The takeaway from all the above? The longer a house is on the market, the less likely you are to get fair value. So you really want to position yourself to be the one that sells, not the one that languishes on the MLS listings.

And a List of “Don’ts” For Buyers

You found “The House.” The one you want to live happily-ever-after in. It’s great to be excited and enthusiastic; to plan for the future and begin creating the home you’ve always dreamed of. But buyers need to remember to do first things first:

1) For many buyers, the minute they get preapproved for a mortgage – they start planning. Not for how to get to the closing date – but for how they’re going to decorate, furnish, and get all the things they’ll need once they move in. So they start running up the cards and opening new lines of credit to buy things for their home-to-be. But that preapproval letter is just one of the first stops in the home buying process — it’s not the end-point.

2) Many (especially first-time) buyers don’t realize that just before closing, a lender will re-examine a prospective buyer’s financial situation — complete with a recent copy of the credit history and other financial re-verifications. If those numbers have changed for the worse (salary decrease, higher card balances, new lines of credit), then it could mean the terms of the loan have changed. You may be charged a higher interest rate, or even lose loan approval entirely – because the changes to your credit and financial circumstances have changed your debt ratios. In fact, the number of buyers who get denied as a result of these reasons is significant. Don’t be one of them.

3) The hard lesson that you don’t want to learn by personal experience? Never get new loans or start using credit cards more heavily until after you’ve actually closed escrow on the home.

Since the first order of business is to complete either your purchase or sale transaction, these are important facts to keep in mind so you can go on to enjoy all the benefits of ‘life-after-close-of-escrow’ – whatever your plans may be.

New Home Resource helps current and future homeowners with all of their Las Vegas real estate needs. Whether your preference is for a newly-built home from a local builder, or a resale property in just the right location, a New Home Resource Realtor® is here to find the perfect property for you. Please contact a New Home Resource Realtor® today at 702-365-1000 or at www.newhomeresource.com. Broker Joanna Piette, and agents Denise Moreno Thrasher, Jessica O’Brien, Evelyn ‘Beng’ Kern, Lance Partin and Kathy Paterniti are all here to help!

If you’ve bought or sold real estate before – and it all came off without a hitch – congratulations! It actually happens most of the time just that way. Everyone does their job in a timely manner and all the pieces fall into place right on schedule. It’s a beautiful thing to be a part of.

But you probably know at least one person who wasn’t quite so lucky, and it’s those stories that ‘scare you straight’ – inspiring you to be more diligent about making sure you choose the right real estate professionals to work with. From your Realtor to your lender, the Title Company to the home inspector – all it takes is one misstep from anyone who is a party to a deal to throw the entire transaction into peril (or at the very least, delay its progress).

So while the list of the things that CAN go wrong can’t all be named here, there are a few ‘biggies’ that happen more often than others. And with a little due diligence, and to encourage you to do some forward-thinking (and ask the right questions at the right time), we’d like to bring some to your attention in the hopes that you can avoid these pitfalls in your next real estate endeavor.

Seller doesn’t make full disclosure on Sellers Real Property Disclosure Form (SRPD)

We recently went into greater detail on this very topic on a recent blog post, explaining how a Seller’s failure to complete this information as fully and accurately as possible can cause some very big – and very expensive – issues down the road. Sometimes, many years down the road. But if misrepresentations should come to light during the sale itself, it can cause the Buyer to simply cancel the purchase outright. Such discoveries, made either before or after the closing, place the Seller in a very untenable (and unwise) position. It’s simply not worth the fallout to fail to disclose information.

Buyer doesn’t tell the truth on loan application

While it may seem that it’s impossible for anyone but the Buyer to know if they’re being honest on their loan application (after all, who reads minds? or knows the details of someone else’s financial affairs?) – the fact is, safeguards are available. Not only to the lender, whose responsibility it is to verify and confirm these matters – but the Seller should be advised by their real estate professional to add a contingency to the transaction or to set a deadline by which full and formal loan approval must be received. If such conditions aren’t met by the buyer during the time frame allotted, it’s a red flag that can alert all parties much earlier on – rather than waiting for closing day only to discover that the Buyer can’t perform.

Unexpected “surprises” about the property

This actually can cover a wide spectrum of issues. It could arise from problems the Seller didn’t know about – but were discovered when the Buyer had an inspection performed (such as mold, termite damage, structural problems and more). Sellers can avoid such surprises by having a pre-listing home inspection performed themselves. Often the question of repairs arises – so costs and responsibilities must be clarified. Or maybe there’s a misunderstanding about items considered “fixtures” (things that stay with the home) and “personal property” (things that the Seller can take with them). If you’re not planning to leave the appliances behind with the house when you move – you need to put it in writing.

In fact, now that we think about it – there’s a huge number of situations that can affect the status of a real estate sale. That could be one of the reasons everyone has to sign (roughly) 5,000 documents during the transaction! (Okay, we’re exaggerating, a little.)

But in truth, you can rest assured that a licensed and experienced real estate professional is knowledgeable about all these things and can help you avoid problems like this – along with a few hundred others, too. It’s one of the reasons they are paid for their expertise – and why you want one to be working for you on your behalf. (Perhaps we’ll discuss that topic in a future post!) Because few things are more disappointing than a “closing day” . . . that just doesn’t happen.

New Home Resource helps current and future homeowners with all of their Las Vegas real estate needs. Whether your preference is for a newly-built home from a local builder, or a resale property in just the right location, a New Home Resource Realtor® is here to find the perfect property for you. Please contact a New Home Resource Realtor® today at 702-365-1000 or at www.newhomeresource.com. Broker Joanna Piette, and agents Denise Moreno Thrasher, Jessica O’Brien, Evelyn ‘Beng’ Kern, Lance Partin and Kathy Paterniti are all here to help!

Happy Holidays!   There has been quite a bit going on in our marketplace today, from even further constraint in available housing, to increased NOD filings, to even higher sales prices in recent months.

A little bit of history……   In August 2009, Clark County saw a whopping peak of 11,482 filings of Notices of Default.    The filing figures remained steady around 4,000+/- per month, from 2010 through September 2011.    The October 2011 effective date of AB284 then caused filings to fall to less than 1,000 a month.  

To clarify, the “need” to foreclose on a property did not change – what DID change was the bank’s ability to foreclose, due to the requirements of AB284.   You can read my blog post from earlier this year regarding AB284 to learn more.    According to the Board of Realtors®, foreclosures have fallen from nearly 50 percent of Las Vegas home sales to about 15 percent in October (we believe to be a direct result of AB284), and short sales now account for roughly 45 percent of the market.

As a result of AB284, default filings fell by as much as 80% through September, though the numbers have been growing over the past several months.     There were almost 2,100 Notices of Default filed in August 2012.    Additionally, as banks resolve past issues with MERS, we anticipate increased foreclosure activity – and may even see some lower prices as a result of the increased supply in available listings.

At this time, our current MLS inventory shows only 3,800+/- single family homes available, an unbelievable 10-day supply of housing!      This decreased inventory has caused asking prices for Las Vegas homes to increase 13.7% over a year ago, as reported by online site Trulia.com this morning, December 4^th.     And according to Las Vegas-based SalesTraq, the median existing home price in Las Vegas has climbed from $100,000 in January to $124,000 in October.

We do try to report the most accurate, up-to-date information to our clients, but there could be a margin of error in our reporting.   Please understand that some of our comments may also be opinions and not absolute fact.  

If you’re a home buyer or a home seller in today’s frenzied Las Vegas market, you need professional help.   Call Heather Brockhurst, Denise Moreno or Joanna Piette at 702-365-1000 and be a part of the right team!   HAPPY HOLIDAYS FROM NEW HOME RESOURCE!

What is going on with today’s home values??!!       Whether you’re a buyer or seller in today’s market, it’s probable you’ll encounter appraisal issues!

Low inventory, likely due to AB284, has caused an all-out bidding frenzy for the few homes on the market today.   Prices are regularly being bid higher by anxious buyers, and prices set by sellers are often thousands of dollars above the recent comparable sales.    And when multiple bids drive a house price thousands of dollars above the listed price, appraisers are still coming in with values below the agreed-upon price.

Considering most comparable sales in the Las Vegas market are of ‘distressed’ properties that have been neglected and/or not maintained, in need of repairs, carpet, paint and landscape, we can see how a property in ‘good’ condition would appraise for less – strictly because the comps are lower.   And unfortunately, appraisers are not giving credit for the improvements and better condition of the non-distressed properties.

Appraiser reluctance to report local appreciation is becoming a significant obstacle.  Many appraisers are reluctant to make justified upward adjustments for superior property condition or upgrades, because they fear criticism that they are potentially overvaluing the property. Many Realtors® and loan officers feel that appraisers will go with a lower valuation so as not to upset overly-cautious reviewers at the appraisal management companies.

As Realtors®, we are increasingly seeing buyers who want a home that is move-in ready, and as their agents, we must prepare them to consider paying the difference between the appraised value and the agreed-upon purchase price.   The bottom-line is simple:    Buy a distressed property and immediately put $20,000+ into it, or, pay $10,000-$20,000 in appraisal difference to get the beautiful home that is move-in ready.

Lenders who finance the property use the ‘lower’ figure as the base for lending.  So, if the appraisal comes in $10,000 less than the agreed-upon price, that $10,000 is money you’d pay in addition to your regular down payment and closing costs.   In days past, sellers usually came down on their price to keep the deal together – – but today that is not the case.  Sellers are regularly standing their ground on the agreed-upon price because they know ‘someone’ will pay it.

Until our inventory issues are worked-out, we don’t see a quick end in sight to these issues.    If you’re a buyer in today’s market, prepare to pay a little extra $$ above appraisal to get a great house.      You need professional help:  Call a New Home Resource Realtor® today!    You can reach Joanna Piette, Denise Moreno, or Heather Brockhurst today at 702-365-1000 !!   Don’t waste another minute!

If you’re thinking about selling your home, I’m thinking of telling you NOW’s the time!

Now, I’m not a clairvoyant and I’m not privy to any secret housing information, so all of this is based on my own gut feeling….  But I DO eat, sleep and breathe real estate, every single day!!!

Here’s my take on it:    Due to the negative effects of AB284 on our housing market (see my blog from 6-25-12), our inventory is at an all-time low…..  Interest in buying today’s undervalued real estate is incredibly high.   Together these two things = frenzied buying, overbidding and top-dollars being paid for today’s real estate.    Literally everything from vacant land to condos, manufactured housing to duplexes, single family to luxury homes are all receiving multiple offers, and selling above list price, day in and day out!    Cash buyers and financed buyers alike are overbidding to be the winners.

It’s my belief that the  effects of AB284 causing the current UNDER-supply of houses will conversely cause an OVER-supply when all these kinks get worked out on the bank’s end.   Once this glut of held-back foreclosures begins to hit the system, the generous supply of available properties will put an end to overbidding to win something.    A buyer will simply move along to a better-priced home down the street.

So THIS is why I say that NOW is the time to sell your home!    Even if you are selling short, I certainly believe that your lender(s) would be more likely to approve a sale at a higher price where their loss is less.    It could be a good bargaining tool as well!     And NEW HOME RESOURCE has a lot of experience with short sales!

If you are a traditional seller with equity In your home, selling TODAY could put more $$ in your pocket for investments, to build savings, pay for a college education or wedding, pay off debts or to buy a different home that better suits your needs.

Regardless of the type of sale, you definitely want to be working with the tenacious and knowledgeable Realtors® at NEW HOME RESOURCE!    Call Joanna Piette, Denise Moreno, Debbie Sullivan or Penny Womack today at 702-365-1000 !!   Don’t waste another minute!

Never before today in my real estate career have I encountered so many folks who are buying property, sight unseen. 

In today’s busy, busy world of real estate purchases, more and more out of state and foreign buyers are wanting to invest in the Las Vegas housing market.  I personally think NOW NOW NOW is the time to buy!  I could be wrong, but just live daily around these incredible prices,  and I can’t help but  think we should all be gobbling It up like candy.     

I’m apparently not the only person who feels this way about Las Vegas real estate 🙂

However, this concept becomes an issue for buyers not living in Vegas – how can they jump on the “purchase today” bandwagon  when they aren’t here to physically visit the home and consummate the purchase?    

Hire a stellar Realtor, that’s how!!  

You need to work with a Real Estate Agent and agency you trust to provide you with all the information available about the property.    One who directs you to websites where you can learn about the area schools, the amenities,  and the crime statistics/rates.  One who responds to your emails and phone calls.    Develop a trust and rapport with your Realtor and together, you’ll put together the deal that works best for you. 

Buying real estate isn’t a simple task, whether or not you live in Las Vegas or Timbucktoo.    Enlist the help of a New Home Resource agent and you won’t go wrong !

As Realtors, one of the first things we do is make sure the buyer in our car has the ‘ability’ to buy:  either they have cash funds to purchase, or they need financing.   Buyers who’ve had a short sale or a foreclosure often think it’s the end of the road for them…. that due to their impaired credit,  they’ll not be able to buy a home for several years.     Well, look no further!      

Las Vegas-based company Premier Mortgage Lending is able to help homeowners who’ve had a recent short sale or foreclosure, and get them into a home – – at today’s incredibly low prices!      The buyer must qualify with at least 20% down and a stable job, regular income and debt ratios that work with traditional loan types, but credit may be overlooked.      Premier Mortgage offers a free prequalification service – – if you or anyone you know has impaired credit, but does have a stable job, regular income and at least 20% down, please urge them to call Premier Mortgage Lending today at 702-485-6600.

  Just because there’s a sign in the yard doesn’t mean it’s available!!     Or in your price range.     Or that it offers the number of bedrooms you need.   Or the square footage you’re looking for.     

If there’s a particular area or neighborhood you like,  ask your Realtor to show you all of the AVAILABLE homes fitting your needs and in your price range.   The houses that don’t pop-up in that search are either sold or don’t fit your needs in “some” way.   Those houses may even be in escrow with another buyer.     We can make note of any special addresses and research them for another visit.