Thank you for visiting the buyer's page of my site. Here you will find links to lenders, home inspectors, utility companies, escrow companies and several vendors that have proven to be valuable to Las Vegas and Henderson home buyer's in the past. I've also included a link to The Mortgage Professor, who is a great resource regarding all things lending, as well as a description of the many steps you can expect to navigate during the home buying experience
Las Vegas and Henderson Residential Mortgage Loan Specialists
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Alex Milius
NMLS 404072 Nevada State Bank Sales Manager 750 E. Warm Springs Suite 200 Las Vegas, NV 89119 Direct: 702.706.9027 Cell: 702.370.0498 Alexander.Milius@NSBank.com Robert Adams
Senior Loan Officer NMLS ID: 895204 Community Access Lending 1669 W. Horizon Ridge Pkwy #120-A Henderson, NV 89012 (702) 419-2354 rob@communityaccesslending.com |
Spencer Valerio
Guild Mortgage Loan Officer 8485 W Sunset Rd. #205 Las Vegas NV 89113 M: 702-596-1993 NMLS #305514 | Company NMLS # 3274 svalerio@guildmortgage.net Tammy Bertges
NMLS # 373991 CMG Financial 10100 W. Charleston Blvd. Suite 140 LAS VEGAS, NV 89135 PHONE: (702) 777-1252 tbertges@cmgfi.com http://www.cmgfi.com/agents/tammy-bertges |
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Dan Lorenger
NMLS 424857 Vice President Residential Lending Construction Loan Specialist Nevada State Bank Daniel.lorenger@nsbank.com 702-328-3047 |
Matt McClellan
NMLS 391030 Branch Manager/Loan Officer Fairway Independent Mortgage Corporation 303-551-5889 12231 S Eastern Ave Ste 130 Henderson, NV 89052 mmcclellan@fairwaymc.com |
Las Vegas and Henderson Commercial Loan Specialists
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Tim Rogers
City National Bank Vice President, Sr. Business Banking Relationship Manager 702-312-8992 office 702-948-1962 direct |
Brian Schumacher
Meadows Bank Senior Vice President 702-471-2059 office 702-683-9370 direct |
Las Vegas and Henderson MLS search tool
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Nevada first time homeowner assistance program. Click the link to see if you qualify for down payment assistance for first time home owners in Nevada.
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Follow this link to learn all there is to know about mortgages.
Jack M. Guttentag is the Mortgage Professor. Professor of Finance Emeritus, was Chief of the Domestic Research Division of the Federal Reserve Bank of New York, on the senior staff of the National Bureau of Economic Research, and managing editor of both the Journal of Finance and the Housing Finance Review. Basically, any question you might have regarding how loans work, which loans do what and information about what loan would be best for you, along with every loan calculator you could ever imagine can be found on the Mortgage Professors website. |
Las Vegas and Henderson Utility Providers
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Gas Service
Southwest Gas 6040 W. Badura Ave, Suite 110 Las Vegas, NV 89118 (702) 365-1555 www.swgas.com |
Las Vegas Water
Las Vegas Valley Water 1001 S. Valley View Blvd Las Vegas, NV 89153 702) 870-4194 www.lvvwd.com |
Henderson Water
City of Henderson 240 Water Street, 1st Floor Henderson, NV 89009 (702) 267-5900 www.cityofhenderson.com |
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North Las Vegas Water
City of North Las Vegas 2250 Las Vegas Blvd, N. # 250 North Las Vegas, NV 89030 (702) 633-1275 www.cityofnorthlasvegas.com |
Cable Television and Telephone
CenturyLink 1321 W. Sunset Road Henderson, NV 89014 (702) 244-4301 www.centurylink.com |
Cable TelevisionCox Communications
460 Stephanie Street Henderson, NV 89014 (702) 933-9849 www.cox.com |
US Post
Office Change of Address |
Las Vegas and Henderson real estate related services
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Nikki Bott
Senior Escrow Officer WFG National Title Co. 9041 South Pecos Rd. #4200 Henderson, NV 89074 Ph. 702-331-6900 Nbott@wfgtitle.com |
Ed Harvey
First American Title Company Escrow Officer 7201 W Lake Mead Blvd Ste 212, Las Vegas, NV 89128 702-240-4220 eharvey@firstam.com |
Andrew Ruiz
North American Title Company Escrow Officer 8485 W Sunset Rd Las Vegas, NV 89113 702-853-7354 aruiz@nat.com |
Cynthia Naiiri
First American Title Company 7951 Deer Springs Way, Suite 190 Las Vegas, NV 89131 (702)677-3040 cnaiiri@firstam.com |
John Stephens
Stephens Termite & Mold
P.O. Box 521253
Henderson, NV 89053
702-379-0749
Stephens Termite & Mold
P.O. Box 521253
Henderson, NV 89053
702-379-0749
The Buying Process
BUYING A HOME- is more than just saying, “I'll take that one”. You need to think of your future home as something more than just a place you'll be forced to move oversized, overweight pieces of furniture around in. It is also an investment that you live in. Yep, he’s already breaking out the clichés, but whether you are buying a home for the first time, expanding to make room for all of your children or all of your shoes, or you’ve finally decided to build your dream home, at some point you are going to either want to, or need to, take advantage of the equity that has built up in your home.
BUYING SMART- Means you don’t start out upside down in your home, but on a level playing field with the other homes in the subdivision or area you purchased in. In more cases than not, your purchase will set the mark that all sellers in your area will be trying to sell their homes at. This is why it’s so important to check comparable sales before you make an offer, and to not be so emotionally attached to a purchase that you let the seller dictate all the terms of the sale. Additionally, if you are purchasing from a builder or are building your dream home, you need to make sure you don’t overdo the upgrades and put yourself in a situation that makes the cost of building your home, more than it will possibly sell for in a year’s time.
USING A REALTOR- Whether you are buying a new home or a re-sale home a Realtor’s fees are generally paid by the seller. This is usually a part of what the seller has estimated as part of the cost of selling a house. Some brokerages do charge document storage fees, but for the most part using a Realtor is basically free professional information and taxi service for a buyer. Realtors can show you homes in new subdivisions, as well as re-sale homes and usually will be able to offer you a wealth of knowledge about the area and homes you are looking at. You may even find a situation where your Realtor has incentives to entice you to utilize their services.
WHY USE ROB TURNEY AS YOUR REALTOR- I’m glad you asked that, I happen to be a close personal friend of Rob’s and not only does he show properties in a Bat Mobile like jet car with a full bar and seafood buffet, he has a Star Trek replication device that will duplicate any home you like and place it 3 feet from your desired location. Okay the lawyers have required me to put in this disclaimer, “the statement above was not meant to be taken seriously, the Star Trek and Bat Man name and logo are proprietary and are in no way endorsements of Rob Turney or his abilities, Okay back to reality, or in our case Realty.
EXPERIENCE- I’ve been selling real estate since 2001. During that time I have helped my clients find their first home and then move up into their next home, find a piece of land and build their dream home, buy investment property or even move into an active adult community. I have clients that saw their home for the first time after closing escrow. I’ve worked with out of state buyers, over seas buyers and multiple, non related buyers in an investment capacity. Picking your home is still just the beginning of successfully purchasing a home. There are many hurdles to clear, from lending and appraisals, to inspections and escrow that have to be overcome before you get to paint your bedroom a fantastic shade of fuchsia. I know the ins and outs of home buying and will make sure you are aware of any and all pitfalls that might be lurking around the corner.
MARKET KNOWLEDGE- I was born and raised in Las Vegas, I’ve seen the changes, both good and bad and have a very good feel of where things have gone and will go in the future. I understand what the selling trends are in our market and how they have changed in the past and will most likely change in the future.
CUSTOMER SERVICE- One of the most important elements of any buying or selling experience, is the level of customer service you receive from the professional you hire to assist in that endeavor. I am available to my clients 24 hours a day, 7 days a week on weekends and holidays. If you feel you need to look at a house on Thanksgiving, we’ll do it. I will expect a turkey leg though. I strive to make the home buying process as painless and stress free as possible and will do my best to take as much of the pressure off your shoulders as I can. I will assist in setting up inspections, escrow selection, lender review and I’ll be there for all inspections, contract negotiations and escrow signings. One thing I can guarantee is that barring being vaporized by a large asteroid, I will not disappear once we’ve found your home. It’s my hope and thankfully my experience that once you’ve worked with me on one transaction, you’ll work with me on your future transactions as well.
THE PROCESS- Okay, lets take it from the first call, “Hi this is Rob”, can I help you?” So maybe a little further down the line, basically my first question is going to be, “have you chosen a lender and do you know what price range we are looking for”? If you have, great, if not I’ll give you a list of excellent lenders to talk to and see which one can help you the most. Then we need to get down to what you want, how many rooms, how much square footage, how many garage spaces, one story or two, half-caff or de-caff, one lump or two…ooops sorry, Starbucks flashback…at any rate we need to get pretty specific on exactly what you want. Then let’s talk location, where do you want to be? If you have no preference, we’ll look at homes that meet your other criteria in various areas and see what works for you.
Lets fast forward to the point where you’ve fallen on your knees, hugged the white picket fence in front of the house and screamed mine, mine, mine, (please don’t ever do that, it kind of weakens our negotiating position with the sellers). We look at comparable homes, and write up an offer. The sellers will either accept the offer, reject it out right, or counter with terms they feel more comfortable with. If they accept our offer, we celebrate briefly, fire our Russian made automatic weapons in the air and move on to opening escrow, ordering inspections, getting a copy of the contract to the lender, ordering the appraisal, and reviewing the HOA documents if the home is in an association. If they counter, then you’ll get to accept, counter or reject their counter offer. This will go on until everyone is in agreement on the terms in the contract.
Once an agreement has been reached and escrow has been opened we will begin the “due diligence period”. Ten business days is usually enough time to kick the tires and review the HOA documents. During this period, your earnest money will be refundable should we find something in the Title, Inspection or Appraisal reports that makes you change your mind, or if your lender decides they can’t lend enough to purchase the home. This means that a lot has to happen in 10 days. The exception to this 10 day from agreement rule is in a short sale, where we do not start our due diligence period until we have approval from the seller’s lending institution regarding the short sale. Once all of the inspections have been finished, the HOA package approved and the title report is clear, we still have a bit more time before screaming at the movers for dropping your leather sofa off the truck into a toxic mayonnaise spill.
During this time, you will discover the joys of underwriting approval, the part where the person that actually approves the final release of your loan makes you stand on one leg, balance an elephant on your nose while playing a tuba, before funding your loan. Okay, so it’s not quite that bad, but you will be fulfilling the lenders requirements as well as ordering movers and setting transfer dates for utilities during this time. Generally 3 days before our estimated close of escrow date, the lender will send your final loan documents to the title company and you will sign your escrow documents and loan documents at the same time. The seller will sign their portion of the escrow documents, the lender will fund the loan and the title company will send the documents to the county recorders office to have your name put on title. Then we celebrate briefly, sacrifice a Yak to our favorite deity and most importantly you get your keys, the movers do their thing and you can break out the fuchsia paint!
So now that you understand the process, perhaps you'd like to see exactly what’s out there. Even if you aren't sure you are interested in going all the way, use the home search tools to set up a search for Las Vegas or Henderson homes based on what you think you want, or if you are ready to take the next step, let me know what your after and I'd be more than happy to set up an active search for you.
BUYING SMART- Means you don’t start out upside down in your home, but on a level playing field with the other homes in the subdivision or area you purchased in. In more cases than not, your purchase will set the mark that all sellers in your area will be trying to sell their homes at. This is why it’s so important to check comparable sales before you make an offer, and to not be so emotionally attached to a purchase that you let the seller dictate all the terms of the sale. Additionally, if you are purchasing from a builder or are building your dream home, you need to make sure you don’t overdo the upgrades and put yourself in a situation that makes the cost of building your home, more than it will possibly sell for in a year’s time.
USING A REALTOR- Whether you are buying a new home or a re-sale home a Realtor’s fees are generally paid by the seller. This is usually a part of what the seller has estimated as part of the cost of selling a house. Some brokerages do charge document storage fees, but for the most part using a Realtor is basically free professional information and taxi service for a buyer. Realtors can show you homes in new subdivisions, as well as re-sale homes and usually will be able to offer you a wealth of knowledge about the area and homes you are looking at. You may even find a situation where your Realtor has incentives to entice you to utilize their services.
WHY USE ROB TURNEY AS YOUR REALTOR- I’m glad you asked that, I happen to be a close personal friend of Rob’s and not only does he show properties in a Bat Mobile like jet car with a full bar and seafood buffet, he has a Star Trek replication device that will duplicate any home you like and place it 3 feet from your desired location. Okay the lawyers have required me to put in this disclaimer, “the statement above was not meant to be taken seriously, the Star Trek and Bat Man name and logo are proprietary and are in no way endorsements of Rob Turney or his abilities, Okay back to reality, or in our case Realty.
EXPERIENCE- I’ve been selling real estate since 2001. During that time I have helped my clients find their first home and then move up into their next home, find a piece of land and build their dream home, buy investment property or even move into an active adult community. I have clients that saw their home for the first time after closing escrow. I’ve worked with out of state buyers, over seas buyers and multiple, non related buyers in an investment capacity. Picking your home is still just the beginning of successfully purchasing a home. There are many hurdles to clear, from lending and appraisals, to inspections and escrow that have to be overcome before you get to paint your bedroom a fantastic shade of fuchsia. I know the ins and outs of home buying and will make sure you are aware of any and all pitfalls that might be lurking around the corner.
MARKET KNOWLEDGE- I was born and raised in Las Vegas, I’ve seen the changes, both good and bad and have a very good feel of where things have gone and will go in the future. I understand what the selling trends are in our market and how they have changed in the past and will most likely change in the future.
CUSTOMER SERVICE- One of the most important elements of any buying or selling experience, is the level of customer service you receive from the professional you hire to assist in that endeavor. I am available to my clients 24 hours a day, 7 days a week on weekends and holidays. If you feel you need to look at a house on Thanksgiving, we’ll do it. I will expect a turkey leg though. I strive to make the home buying process as painless and stress free as possible and will do my best to take as much of the pressure off your shoulders as I can. I will assist in setting up inspections, escrow selection, lender review and I’ll be there for all inspections, contract negotiations and escrow signings. One thing I can guarantee is that barring being vaporized by a large asteroid, I will not disappear once we’ve found your home. It’s my hope and thankfully my experience that once you’ve worked with me on one transaction, you’ll work with me on your future transactions as well.
THE PROCESS- Okay, lets take it from the first call, “Hi this is Rob”, can I help you?” So maybe a little further down the line, basically my first question is going to be, “have you chosen a lender and do you know what price range we are looking for”? If you have, great, if not I’ll give you a list of excellent lenders to talk to and see which one can help you the most. Then we need to get down to what you want, how many rooms, how much square footage, how many garage spaces, one story or two, half-caff or de-caff, one lump or two…ooops sorry, Starbucks flashback…at any rate we need to get pretty specific on exactly what you want. Then let’s talk location, where do you want to be? If you have no preference, we’ll look at homes that meet your other criteria in various areas and see what works for you.
Lets fast forward to the point where you’ve fallen on your knees, hugged the white picket fence in front of the house and screamed mine, mine, mine, (please don’t ever do that, it kind of weakens our negotiating position with the sellers). We look at comparable homes, and write up an offer. The sellers will either accept the offer, reject it out right, or counter with terms they feel more comfortable with. If they accept our offer, we celebrate briefly, fire our Russian made automatic weapons in the air and move on to opening escrow, ordering inspections, getting a copy of the contract to the lender, ordering the appraisal, and reviewing the HOA documents if the home is in an association. If they counter, then you’ll get to accept, counter or reject their counter offer. This will go on until everyone is in agreement on the terms in the contract.
Once an agreement has been reached and escrow has been opened we will begin the “due diligence period”. Ten business days is usually enough time to kick the tires and review the HOA documents. During this period, your earnest money will be refundable should we find something in the Title, Inspection or Appraisal reports that makes you change your mind, or if your lender decides they can’t lend enough to purchase the home. This means that a lot has to happen in 10 days. The exception to this 10 day from agreement rule is in a short sale, where we do not start our due diligence period until we have approval from the seller’s lending institution regarding the short sale. Once all of the inspections have been finished, the HOA package approved and the title report is clear, we still have a bit more time before screaming at the movers for dropping your leather sofa off the truck into a toxic mayonnaise spill.
During this time, you will discover the joys of underwriting approval, the part where the person that actually approves the final release of your loan makes you stand on one leg, balance an elephant on your nose while playing a tuba, before funding your loan. Okay, so it’s not quite that bad, but you will be fulfilling the lenders requirements as well as ordering movers and setting transfer dates for utilities during this time. Generally 3 days before our estimated close of escrow date, the lender will send your final loan documents to the title company and you will sign your escrow documents and loan documents at the same time. The seller will sign their portion of the escrow documents, the lender will fund the loan and the title company will send the documents to the county recorders office to have your name put on title. Then we celebrate briefly, sacrifice a Yak to our favorite deity and most importantly you get your keys, the movers do their thing and you can break out the fuchsia paint!
So now that you understand the process, perhaps you'd like to see exactly what’s out there. Even if you aren't sure you are interested in going all the way, use the home search tools to set up a search for Las Vegas or Henderson homes based on what you think you want, or if you are ready to take the next step, let me know what your after and I'd be more than happy to set up an active search for you.