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Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home.

Great Ideas!

Hardest Hit Fund® programs in 18 states and Nevada is on the list!!

 

Hardest Hit Fund® (HHF)

Hardest Hit Fund® programs in 18 states and the District of Columbia are designed to provide assistance to struggling homeowners through modification, mortgage payment assistance, and transition assistance programs.

Studies suggest that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 170 languages.

Application Deadline:
Don’t delay. Application deadlines vary. Some states have already concluded the application process. No applications will be accepted beyond December 31, 2020.

Features and Benefits

HHF programs vary state to state, but often include: 

  • Mortgage payment assistance for unemployed or underemployed homeowners
  • Principal reduction to help homeowners get into more affordable mortgages
  • Funding to eliminate homeowners' second lien loans
  • Help for homeowners who are transitioning out of their homes and into more affordable places of residence

Eligibility

HHF programs and eligibility vary by state. For details, contact your state's housing finance agency.

Availability

The HHF provided more than $7.6 billion to support homeowners in states hit hardest by the economic crisis. State housing finance agencies have used the Fund to develop programs that stabilize local housing markets and help families avoid foreclosure in the following states:

For More Information

Visit the Learning Center for Frequently Asked Questions (FAQs) and the Glossary of Key Terms.

If you have additional questions or need direct assistance, don't hesitate to reach out for help by calling 888-995-HOPE (4673). You will be connected with an expert from a HUD-approved housing counseling agency. These counseling experts can help you understand your options, design a plan to suit your individual situation, prepare your application; and in many cases, they're able to submit the application for you.

If you would like a list of local lenders that can answer your questions--one on one..call, text or email me today! We are here to assist you with all your real estate needs.

Source: https://www.makinghomeaffordable.gov/need-help/Pages/need-help-options-hhf.aspx

 

2018 Great Vegas Festival of Beer

presented by Motley Brews

What: The Great Vegas Festival of Beer features over 100 of the world's top craft breweries across four blocks of Downtown Las Vegas. Sample from over 500 different craft brews, enjoy over-the-top culinary and craft beer creations at the Get Motley VIP Experience, and experience craft beer in a whole new way at educational sessions and many other one-of-a-kind, beer-centric event experiences.

When: 7pm-10pm Friday, April 6th. 2pm-7pm Saturday, April 7th

Where: Downtown Las Vegas - Fremont East (800 Fremont Street, Las Vegas NV, 89101)

Who: You, your friends and thousands of thirsty fans. Also, your appetite; we’re pouring hundreds of craft beers and brews, and will have food trucks, chefs and restaurants onsite.

Why: Hundreds of craft beers and brews to sample (unlimited samplings!), food options from some of Vegas’ best food trucks, a FREE educational series (BrewLogic), dancing (Silent Disco), karaoke and a few surprises, this is the one beer event this year you can’t miss.

More info: http://greatvegasbeer.com/

How to Improve Your Credit Score to Score a Mortgage

 


By Jamie Wiebe

 

If you're going to get a mortgage, you'll likely need to improve your credit score, also called a FICO score—a simplified calculation of your history of paying back debts and making regular payments on loans. Here's your crash course on this all-important little number, and how to whip it into the best home-buying shape possible.

Pull your credit report
There are three major U.S. credit bureaus (Experian, Equifax, and TransUnion), and each releases its own credit scores and reports (a more detailed history that's used to determine your score). Their scores should be roughly equivalent, although they do pull from different sources. For example, Experian considers on-time rent payments while TransUnion has detailed information about previous employers.
To access these scores and reports, financial planner Bob Forrest of Mutual of Omaha recommends using AnnualCreditReport.com, where you can get a free copy of your report every 12 months from each credit-reporting company. It doesn't include your credit score, though—you'll have to go to each company for that, and pay a small fee.

Somes credit card companies, including Discover and Capital One, offer free access to scores and reports, says Michael Chadwick, owner of Chadwick Financial Advisors in Unionville, CT. Once you've got your report, thoroughly review it page by page, particularly the “adverse accounts" section that details late payments and other slip-ups.

The better your credit history, the higher your score—and the better your opportunities for a home loan. The Federal Housing Administration requires a minimum credit score of 580 to permit a 3.5% down payment, and major lenders often require at least 620, if not more. So what can you do if your credit report is in less than shipshape? Don't panic, there are ways to clean it up.

How to improve your credit score with error disputes
A 2013 Federal Trade Commission study found that 5% of credit reports contain errors that can erroneously ding your score. So if you spot any, start by sending a dispute letter to the bureau, providing as much documentation as possible, per FTC guidelines. You'll also need to contact the organization that provided the bad intel, such as a bank or medical provider, and ask it to update the info with the bureau. This may take a while, and you may need documentation to make your case. But once the bad info is removed, you should see a bump in your score.

Erase one-time mistakes
So you've made a late payment or two—who hasn't? Call the company that registered the late payment and ask that it be removed from your record. “If you had an oopsy and missed just a payment or two, most companies will indeed tell their reporting division to remove this from your credit report," says Forrest. Granted, this won't work if you have a history of late payments, but for accidents and small errors, it's an easy way to improve your credit score.

Increase your limits
One no-brainer way to increase your credit score is to simply pay off your debt. Not an option right now?  Here's a cool loophole: Ask your credit card companies to increase your credit limit instead. This improves your debt-to-credit ratio, which compares how much you owe to how much you can borrow.
“Having $1,000 of credit card debt is bad if you have a limit of $1,500. It isn't nearly as bad if your limit is $5,000," Forrest says. The simple math: Although you owe the same amount, you're using a much smaller percentage of your available credit, which shines well on your borrowing practices.
Pay on time
If you're often late with payments, now's the time to change. You have the power to improve your credit score yourself. Commit to always paying your bills on time; consider signing up for automatic payments so it's guaranteed to get done.

Give yourself time
Unfortunately, negative items (such as those habitually late or nonexistent payments) can stay on your report for up to seven years. The good news? Changing your habits makes a big difference in the “payment history" segment of your report, which accounts for 35% of your score. That's why it's essential to start early so that you're sitting pretty once you're shopping for homes and find one that makes you swoon.
Once you've set your credit on a better path, it's time to tackle the next major hurdle: saving for a down payment.

Related topics
https://www.realtor.com/advice/guides/first-time-home-buyer/

5 Negotiating Tactics That can Kill a Real Estate Sale

Negotiation is a subtle art in the Las Vegas real estate market, but skilled negotiators can usually find some common ground that satisfies all parties. On the other hand, using the wrong negotiation tactics can sink a real estate deal pretty quickly.

Here are some negotiation tactics you may want to avoid:

Lowball offers
Going far below Las Vegas market value when you make an offer damages your credibility as a buyer and can be insulting to the seller. The seller has a range in mind that they’ll accept, and if you’re not even approaching the low end of that range, they won’t even consider the offer. Once they are upset, it can be difficult to get a new offer even considered.

Incremental negotiations
Don’t continue to go back to the seller with small increases in your offer ($1,000 or less). The constant back-and-forth can grow tiresome and lead the seller to consider other opportunities.

“Take it or leave it”
Try not to draw a line in the sand with your initial offer. The seller can get defensive and consider other offers if you immediately show that you’re unwilling to budge. Even if it’s true, don’t make a show of it.

Nitpicking after home inspection
Obviously if the Las Vegas home inspection reveals a major issue, it should be factored into the final sale price. But insisting on a lower price for every minor repair can put negotiations in a stalemate. In the current Las Vegas Real Estate market, you might even be "unconsidered" by the seller since their are usually multiple offers on every home sale lately. Do not throw out the entire deal, by sweating the smaller stuff.

Asking for more, more, more
Some buyers will request that the sellers throw in add-ons like furniture or appliances that weren’t included in the listing. Try to avoid giving the seller a reason to build up resentment and think that you’re being greedy. It also need saying the your title company will not wish to deal with these "personal" property items and they will complicate the process -- stay focused on your new home, not the barbeque grill outside or the lack of garage remote controls.

 

Run Away with Cirque Du Soleil

Join dozens of artists from Cirque du Soleil's Las Vegas shows and more than 1,000 community members for a 5K run or 1-mile fun walk at Run Away with Cirque du Soleil at the Springs Preserve.

Run or walk with your favorite Cirque du Soleil artists at this annual event that includes music from cast and crew, photo opportunities with performers and a circus play area for children.

Although family and friends are welcome to attend to cheer on their loved ones, please note that spectators will not have access to the event amenities (refreshments, massage station, face painting, circus play area, and photo booth).

This event is presented by Cirque du Soleil in partnership with the Springs Preserve. All proceeds support the Springs Preserve and Cirque du Soleil Foundations.

Buy Tickets Here

  • Date & Time: Saturday, April 14, 2018, 7am-12pm
  • Location: Springs Preserve
  • Admission: $20-$40
  • RSVP: Reservations are required. Register online at the link below. Save $3 per registration on or before April 9, 2018.

Event Features

  • 5K competitive individual and team timing. A minimum of 10 participants are required to qualify for team categories.
  • All participants will also be included in a raffle for prizes including a chance to win show tickets to the Las Vegas Cirque du Soleil shows. Also included are prizes from the Springs Preserve.
  • Music by the cast and crew of Cirque du Soleil.
  • Photo opportunities by Cashman Photo with performers from Cirque du Soleil.
  • Complimentary massage therapy
  • Complimentary refreshments for participants provided by Whole Foods Market.
  • Face painting and circus fun play area.
  • Access to the Springs Preserve museums and galleries with race bib.

Pre-Race Day Packet Pick-up*
Friday, April 13, 2018, from 11 a.m.-7 p.m.
Whole Foods Market at Town Square
6689 S. Las Vegas Boulevard, Las Vegas, NV 89119
702-589-7711

*Packets don't need to be picked up in advance of the event, but if you pick up packets at pre-registration, you'll receive one additional raffle ticket entry for the amazing staycation packages and Grand Prize Trip to Riviera Maya, Mexico!

Race Day Schedule
7 a.m. Registration opens
7:30 a.m. Pre-race activities and warm-up begin
8 a.m. Registration closes
8:30 a.m. Race start
9 a.m. Music followed by Awards Ceremony

Don’t forget to bring water, a camera (tag your photos with #Cirque5K) and sun block! The Springs Preserve is a smoke and pet free environment. This is an all ages event, children under the age of three do not need to register. All entries are non-refundable, non-transferable and non-tax deductible.

The Springs Preserve Foundation is a 501(c)(3) nonprofit organization committed to supporting programs, projects and events at the Springs Preserve.

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Suzett Hill, REALTOR®, NHCB, MVHC, TSAI
Broker-Salesperson
Cell: 702.279.7199
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www.SouthwestLasVegasHomes.net
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