MichaelSellsVegas.com

For Buyers


Tip of the Week: FHA: Just the Facts!
Government-insured FHA loans are more popular today than ever and may be right for you.  Looking to buy your first home, next home or refinance a home you already own.
Flexible credit approval guidelines -- minimum FICO scores 600
  • Down payments as low as 3.5% -- gift funds & down payment assistance programs allowed
  • Loan amounts up to $400,000-- (Clark County)1
  • No qualifying income ceiling
  • Debt-to-income qualifying ratio allows a larger portion of the buyer's income to go toward monthly mortgage payment -- buyers may qualify for higher sales price!
  • Seller contributions up to 6% allowed -- closing costs only
  • Non-occupant co-borrowers allowed on 1-unit properties
  • Available on 1-4 unit properties, manufactured homes and FHA- approved condominium projects
  • Renovation program offers loan amounts based on expected home values after improvements are made up to $35,000 -- 203K Loans

 

FOREIGN NATIONALS: AVAILABLE FINANCING!

Foreign Nationals are individuals legally residing or visiting the U.S. who possess a valid visa and are not considered to be non-permanent resident aliens.
  • 15 YR FRM, 30 YR FRM, 5/1 & 7/1 ARM
  • Purchase & Rate/Term Refinances
  • Primary and Second/Vacation Homes
  • Loan Amounts up to $650,000
  • Maximum Loan-to-Value 60%
  • Foreign Nationals are not required to have a Social Security number

Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.

How I Can Help
Before you start looking
Closing Costs

As Your Agent, I Will:

  • Assure that you see all the properties in the area that meet your criteria.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Guide you to where you can find answers to all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
  • be with you at escrow when you sign your closing papers. 

Before You Start Looking For Your New Home:

Let me connect you with my lender. He is the best!! He will work very hard to get you the best loan possible. 

All types of loan programs available including

    Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.

  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Find out how much your closing costs could be.

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