Happening This Fathers Day Weekend In The Valley

It's Fathers Day weekend so Happy Fathers day to all the dads out there. Here are some of the things going on in the valley. Celebrate Father’s Day with a Western-themed barbecue packed with good old fashioned fun. The cost is $7 per person (all ages). The menu will include Pulled Pork Sandwich or Hot Dogs, Picnic Fixings,Beverages. Great food is just the beginning. Dad will love the entertainment. Live Performance by Mama’s Wranglers, Line Dancing, Petting Zoo, Bounce House & Lawn Games,Heritage Park Senior Facility, 300 S. Racetrack Rd, 11:00 - 2:00. The free movie at The District is Cloudy With a Chance of Meatballs 2, it starts at about 8 PM. The free movie at Tivoli Village is Finding Nemo starts at dusk. How about taking dad on a Champagne Brunch or Dinner Cruise on Lake Mead Cruises for Fathers Day. Sunday Brunch cruise leaves at 10:00 am & is 90 minutes, the dinner cruise leaves at 6:30 PM and lasts 2 hours, call Lake Mead Cruises @ 866-292-9191 to check availablity. Farmers Markets, Downtown Las Vegas Farmers Market is conveniently located in the middle of the Las Vegas valley off of US-95 and Casino Center Drive,Fridays from 9AM to 2PM. Henderson Farmers Market are Thursday 9am-4pm, 240 Water St. Henderson, Friday 10am-4pm, 200 S.Green Valley Pkwy. Have a great weekend.

LOOKING FOR SOMETHING TO DO THIS WEEKEND IN THE VALLEY 6/6/14

This is some of the things going on in the valley this weekend. Well it's First Friday Downtown starting at 6 PM which is always a good time. In Henderson the Country Fresh Farmers Market Friday from 9-4 at the Henderson Pavillion Parking Area at 200 S. Green Valley PKWY. For you crawfish lover there is the Straight From the Bayou Crawfish Festival with New Orleans style food, live bands and attractions, it's Saturday & Sunday at the Sports Park at 121 E. Sunset Rd. The Bark & Brew Beer Fest at the Rumor Boutique Hotel across from the Hardrock on Harmon from 5-9 on Saturday 6-7-14, for the dog & beer lovers. Free movie at Tivoli Village at dusk on Saturday is Frozen, at The District in Henderson it's Cloudy With A Chance Of Maetballs at 8PM Saturday. Sunday it's An Afternoon with the Las Vegas Brass Band at Clark County Library, 1401 E Flamingo Rd, Las Vegas at 2PM with free admission. Then there's the High Roller if you haven't tried it yet I hear it great, me I'm afraid of heights.

Hope everyone has a great weekend.

TIPS FOR HOME BUYERS

Here are some of the things that all buyers should & shouldn't do when looking to purchase a home. If you are allergic to animals let your Realtor know so that they don't take you to a home that has any animals that may cause you to have a allergic reaction. When looking at home never make remarks about the home in front of the home owner, you never know what may offend them. If you decide to make an offer on the home & you have said something, it may effect how they respond to your offer. If you are working with an agent & they have been doing a good job for you, never call the agent on a sign that is in front of a home that you have drven by. Or the agent on the online ad that you have seen on the internet. Get as much information as you can from the ad or the address of the place you saw the sign. Then call your agent so that he can make arrangments to see the home. If you would like to go see new built homes or go to some open houses contact your agent & ask if they could go with you to look, any good agent will gladly setup time for you to do this. Remember it is possible to find your new home on the first day of looking,it happens more times than you think. You should also remember that the chances are that you will never find the perfect home unless you are having it custom built. It's best to use the 80/10/10 rule. If you find a home that has 80 percent of what your looking for, 10 percent of the things you can change & 10 percent of the things you can live with, it's a keeper & it's time to make a offer. You should never take advise from any one that hasn't purchased a house in the last 3-6 month as the market change quite often. Don't quit or change your job after you have gotten your loan pre-approved as this could delay your closing or even worst you could lose your financing. Another common mistake people make after getting a offer accepted is thinking it sure would be nice to have our new appliance or furniture when we close & get the keys. This is not a good ideal because you shouldn't make any large ticket item purchases, chances are that you will have to explain where the money you had in your account went & that money may have been the money your lender needed you to have as reserves in order to get your loan approved. If you think that getting it but financing it through the many free interest for a certain time period, remember that the lenders usually re-pull your credit 1 or 2 days before your closing & it will show up causing a delay or possible loss of your approval for your loan. Never making deposits into your accounts that are David Copperfield deposit as I call them, be sure that all the funds can be traced. If you are getting a gift from a person to help you make your home purchase be sure to tell them you will need a gift letter & proof of where the money came from for your lender. You should never keep any financial commitment such as child support, alimony, wage garnishments or any other payroll deductions you have a secret from your lender, they will find out about this information. Never delay any paperwork that the lender asks you for, no matter how many different times they have asked you for it throughout the proccess, underwriters of the loan want all of your information to be as up to date as possible.

Do I Really need a Home Warranty????

Being from the mid-west home warranties where not a big thing there when I left about 6-7 years ago. So when I first arrived here in the valley they were kind of a new thing to me. In my opinion I think they are a great thing. Some may ask what is a home warranty? Well it a warranty on your home that will help you pay for a repair or replacement of a cover item that breaks down or fails completly, such as your air conditioner, or furnace or maybe your refrigerator if it is cover. All home warranties are different so it is imporant to know what is covered. What do I think? One they are an added value for the seller if they are willing to purchase one for the buyer & have it in place while it is listed. If you happen to do have something that is covered break down while it is listed you will get help in paying to get it fixed from the home warranty company. This can be a great peace of mind while your home is listed, because we all know there is enough stress already, where are we moving to, can we find a new home before we close and getting things packed. Or if you are already moved having to find a vendor to make the repair, the home warranty company does that for you. Now for the buyer I also think it is a great ideal to get the warranty even if the seller doesn't pay for it or if you would like a better coverage than you are getting from what the seller has you can upgrade it the coverage you desire. In this time in the market with the foreclosures & short sales I think it is extemely important to get a home warranty. With a foreclosure you don't ever know what you getting into. Then with a short sale you are buying a home that may not have been maintained as well as it should of been due to financial reasons. You buying your new home is probably the bigest finacial investment of your life time. So wouldn't it be great that if something was to break while you had your home covered you could get help in getting it repaired or replaced. So do you need a home warranty? It's your call, but I believe it is an important peice of the home buying puzzle to have.

WHY I BECAME A REALTOR

People have asked why did you decide to become a Realtor. Well there were a few things that helped me decide. First I enjoy helping people. I truly like helping our veterans find their new homes, it's the least I can do for them for everything they have done for our country. Buying a home is one of peoples biggest financial commitments and I can help them with that by advising them in making the right choice. If they haven't yet went to a loan officer I can give them a list of lenders in the area that are very good in the area of financing. I give them my knowledge of what has been happening in the real estate market. I can give them the pros and cons of a single story or 2 story home. I research the homes in the area so that they will know what other homes have sold for. I enjoy the look in the peoples eyes when they find the right home for them, it may be the first house we look at or the 50th one.I help them by giving them a list of home inspectors to chose from to get the home inspected. Which in my opinion is a must as you can't be too careful in doing everything that you can to find out about the soundness of all the mechanical equipment in the home and the over all condition of the entire home. I help them through the entire escrow process by explaining what different paperwork is and advising them if they need other professional advisement for thinks that can come up. My number one reason is the look on their faces when they get their key, I love the big grins, smiles and the way their eyes light up.

The Reserves You'll Need To Purchase Your New Home

Most people when considering buying the first new home don't think about how much money they will really need when it comes time to close. Their big concern is their credit score. It's best to talk directly to your lender to see what their minimum amount that they expect you to have as each lender is different. It will vary with the type of loan & size of the loan to the property & even more. You will probably need good chunk of change up front for closing costs & down payment.Then lenders might want you to have a reserve of a certain number of months worth of mortgage payments. Each lender & loan type is different, that is why it is best to sit down with your lender & find out in advance what you are expected to have. Even though credit scores are important, so are income & assets when applying for a home loan.Here are a few important thing you'll need to have saved up for. First is the down payment which will vary to the type of loan you are getting. Unless it is a government backed loan such as VA and USDA rural development home loan or local or state program, you will need a down payment. Conventional loans typically require 5% down or $10,000 on a $200,000 home, with FHA having 3.5% down or $7,000 on the same price home. Closing costs here in the Las Vegas valley generally run around 3.5% of the purchase price of your home. There was a time when you could ask the seller to pay for some or all of your closing. Right now in the market that is not the norm. As for reserves neither VA or FHA have a reserve required if your buying single-family home. With a conventional loan lender typically want you to have 2-6 months reserve of your monthly income. But it could be more depending on the lender or your risk factors. A healthy reserve amount can help a home buyer who is on the the edge. They can consider this a positive factor ,which may help with a loan file on the edge with past credit or debt issues. Then comes the money you will need to have an appraisal & home inspection. While the lender will require an appraisal, home inspections are not usually required but should be considered essential. The cost of a home inspection in my opinion is a very wise investment.

Why Should I Use a REALTOR To Get My Next Rental In The Las Vegas Valley

It has come to my attention that there are people in the valley that are renting out properties that are vacant but they do not own them. Scammers essentially find homes that are on the market and then create a Craigslist ad. They are breaking off the lock boxes, then renting them out. Check out this link to 8 News Now to see their report. www.8newsnow.com/story/24919438/scam-alert. So if you're looking to rent a place here in the valley it is a good ideal to contact a licensed REALTOR to assist you, they are generally paid by the property management company that is listing the property and there is no cost to you.