Pat Yoest

Stop Paying Rent And Own In Las Vegas

Stop Paying Rent And own

 

Do you know you are paying someone else's mortgage when you are paying rent?  Paying rent is throwing money down the drain.  I know buying a home can be a stressful almost like a roller coaster of emotions.... finding the right place, getting the loan, moving in.  The purchase of a home for the majority of us is the single most largest investment .  Sometimes, the emotions in this large purchase can cloud good judgment.

 

Many home buyers dive in and do very little research before they buy and invest their hard earned cash.  Before you do that it's best to be informed as you can.  That's what this is report is about.  It's about helping you to avoid common mistakes most buyers make.  If you follow these suggestions with the help of the right Realtor, you will stop paying rent and make the right decision that you will be happy and proud of for a long time to come. 

Inspect Everything

Have a professional inspection done by a licensed home inspector.  Go over the inspection report with a fine tooth comb.  A lot of bank owned homes andd short sale are being sold as is.  That means the Buyer Beware tag is on the house.  For purchases with HOAs and condo purchases where there are bilaws, read them very carefully and pay attention to the fees that are associated with living in a community that has an association.  Inspect everything.

Imagine the home with your furnishings in it

Don't let beautiful furnishings sell you, they leave with the owner.  Imagine what it would be like if you lived there.  Many homes are staged, like a model home .  So they are just to entice you to buy.

 

Take into consideration your lifestyle

Sit down with a real estate professional and discuss such things aschildren, add ons, amenities that you want, Your dream home is worth it , but don't mortgage your lifestyle away.  In order to maintain your lifestyle there will be expenses.  Take these expenses into consideration when you figure out if you can afford the payment

View several properties

 

You should look at least 3-5 properties.  Even if you find a property in the first viewing, you should have something to compare it with.  When you find the right property all the work will be worth it.

Utilize your team

Real estate agents usually have a full team of professionals such as lenders, title reps, inspection teams,  Having a team makes the buying process simple and easy for you.

Be like a privatie nvestigator

 

Check out all your costs.  Get an estimate of closing costs, utilities, Make sure all your utilities are on for the inspection so you can investigate every nook and cranny of the home you are buying.

Do a final walkthrough

Once everything is moved out, do a final walkthrough of the property.  Sometimes things are overlooked in the initial inspection.  Now is the time to do a through inspection.  If you find something that you overlooked bring it up to your Realtor so it can be addressed before you close.

 

Be Flexible

Many things can happen that will prevent you from closing on the day you anticipated.  Be flexible and allow a couple days either way.

 

Put It in writing

All promises are to be in writing.  Don't make any assumptions or believe any assurances.  A handshake will not stand up in court.

 

Loyalty gets you loyalty

Be open, honest, and above board with your team .  Being disloyal can prevent you from getting into your home that you worked so hard to get.  Take the time to select the right team to begin with and you will have a simple, easy home purchase. 

 

My hope with this report is to help you avoid many of the problems associated with buying a home.  If there is anything I can help you with please don't hesitate to call me Pat Yoest at 702-521-1442.  Your initial consultation is always free, and you are under no obligation of any kind.  Perhaps we will sit down over a cup of coffee and discuss what it's going to take to achieve your goals.  Go ahead and pick up the phone and give me a call, I would love to hear from you.

Visit my profile at http://activerain.com/pyoestc21 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home Ownership With Bad Credit

Many people now have less than perfect credit, it's a sign of the times so to speak.  Banks want only the squeaky clean applicants and many of us no longer qualify to buy a home.   You may have lost a home and it will be years before you can buy a home.  You may never have established credit .  Why should you rent when it is as easy to own.  It doesn't matter what your story is .  Two simple programs now make it easy for you to own a home.

 

All you need to qualify for these two programs are a small down payment , and the ability to pay the payments.  You can move in very quickly and start making memories now instead of waiting for the time when your credit is perfect.

 

If you are a stabile person with a steady income and want to own a home. don't wait   If you are tired of waiting for home ownership contact me now at 702-521-1442 or email me at pyoestc21@aol.com 

 

Your best friend in real estate

 

Pat Yoest

 

 

  

 

I am a small town girl with small town values.  These values carried over to my career in real estate.  I believe in being honest and upfront not only in my personal, but my business life.

 

I started in real estate in the 70's.  Before that I sold cars.  I was one of the first women to go into auto sales.  But, real estate is, and always will be my first love.  If I would never make another dime in this business, I would still do it because it's in my blood.

 

My career in real estate began  in the 70's in Pittsburgh, Pa.  Inflation was rampant at the time.  Interest rates were at almost 17% , so I laugh when people complain about high interest rates.  We moved to Las Vegas in 1995 because of the many opportunities it provided to advance our careers.  It took awhile to get used to the city life,  but now when I go home I notice how much my hometown has gone downhill compared to Vegas where everything is rebuilt and new.

 

In 2002 I met Dolf DeRoos and Gene Burns, two avid real estate investors.  They liked the way I did business and the investment strategies that I used , and I became thei buyer's agent for their "52 Homes In 52 Weeks" adventure.  I then became Pat Yoest alias Katy Simmons in their book of the same title. 

 

The real estate market has undergone many changes over the years, and I have seen many peaks and valleys.  What's going on now has happened before, except this time there are regulations to prevent a more serious disaster.  My heart goes out to the many people who are losing their homes and jobs to this economy.   Hang in there, there will be an answer.

 

The Pat Yoest Team is experienced with a down market, loss mitigation, foreclosures, and short sale negotiations.  We have a list of buyers and investors waiting for the right home.  We hold seminars for buyers and sellers to educate them about buying, selling, and marketing a home in this market.  Please feel free to contact me personally if you need help with real estate related subjects, or feel free to visit my website.  www.nevadainvestmenthomes.com 

 My profile http://avtiverain/pyoestc21

 

Realtors, we are experienced in relocation.  We know how to make your clients comfortable and service all their needs.  We pay a 25% referral fee when we refer and we expect the same in return.  We appreciate your business, and thanks for reading this post.

 

 

Home Buying Guide For Las Vegas, Nevada

Home Buying Guide

 

These are the secrets of buying the best house possible.  This is the ultimate guide for home buying.  No matter where you are buying this can be used as a guide to buy your home.

 

Before you even start to look at homes you should be preapproval by a mortgage company, not prequaled.  If you want to be in the best negotiating position with the seller then go for a preapproval.  Seller's and their agents know that anyone can just pick up the phone and talk a few minutes and get a prequaled letter.  It's not worth the paper it's written on.  A preapproval is when all information is verified and the loan is only subject to finding a home and an appraisal.  So many things can come up that can prevent you from getting a mortgage. ie; bank account not open long enough, a blemish on a credit report, a judgment,.  A preapproval picks this up and prevents the mortgage up front rather than later on when money is spent for appraisals and inspections and the like.

 

When a listing agent looks at an offer, they look at other things besides the lender's letter.  They also look at the strength of the buyer.  How much is he putting down?  They look at the time the lender needs to close the loan.  So all things go into a good offer, and being in the best place to negotiate takes all these things into consideration.

 

 

 

If you have a home to sell, sell that home first.  A contingency sale doesn't give you any buying power.  The seller isn't going to want to take a lower price offer from a buyer that has a home to sell before they can close on his home.  If he has to wait , he's going to want full price.  Then what happens is someone else comes along and puts an offer in on your dream home, and you lose it because you don't have the time to get a good offer on your property.  You will take the first offer that you can get because you don't have the time.  Hurrying could cost you thousands of dollars.  Banks and Short sales will not take a contingency offer.

 

Buying a home in Las Vegas ?  You will find that there are bidding wars over the available homes.  If you are not in the perfect position to buy a home and do it on the spot, you will be lost in the bidding wars and at the bottom of the list of which the seller can choose from.

 

Stop calling all the ads.  Remember the person writing the ad is representing the seller.  Naturally they are going to tell you the good things about the property.  They are not going to tell you it's in a flood zone, or high tension wires run through the property.  You need someone on your side, looking out for your interests.  You need your very own real estate agent.  Your very own agent will critique the property according to your needs.

 

Whether you decide to work with me or not, I always recommend that you hire an agent that you are comfortable with and stick with that agent.  Please take a look at my profile http://activerain.com/pyoestc21 to see if you might feel comfortable with me. 

I hope this home buying guide will be of use to you, whether you are buying a home in Las Vegas or anywhere for that matter.

 

Your Best Friend In Real Estate

 

Pat Yoest

 

search for homes with me

Active Rain Please Be Mine  

You are the greatest Valentine

These flowers are for you

You are the best, It's true.

Don't need Twitter, or Facebook

You had me from first look.

It's morning with coffee  

                                                                    

Just you and me

And blogs to read

My heart fills with greed

I always want more

A perfect ten is your score

Active Rain I am addicted to you.

A day without you is blue

Today, tomorrow and hereafter

You will fill my heart with Laughter.

 

Active Rain, I hope you liked my little Ode to You.  With all my heart I mean every word.  My only regret is that I did not tune into you when I first joined in 2007.  I have wasted so much time with Twitter, Facebook, and Linked In.  This doesn't mean that I won't still use Twitter, Facebook and others.  It simply means you will always be first. 

My life has been a sober one without addictions.  Oh, I have a few drinks here and there, but I don't find anything addicting.  There is however 1 exception, that's you Active Rain.

 Just want to thank you for being like a best friend.  You have helped me grow my business, nourished my soul with inspirational posts, educated me, and just inspired me to be the best that I can be.  Thank you Rainers cause you are the community., you are what makes Active Rain what it is.  I can't tell you how much I enjoy the blogs you write.  Active Rain is so much warmer than the other social sites.  You are above all the rest, and should be recognized as the only site that matters. 

 

If you would like to join Active Rain contact me now at pyoestc21@aol.com for an invitation to the site that everyone Addicted to, so you can feed your soul too. 

 

Brought to you by Pat Yoest  Your best friend in real estate let us catch a dream for you search Las Vegas homes by The Dreamcatchers, The Pat Yoest team.  Live the Vegas lifestyle.

Lender Needed For Foreign National

 

I have clients from South Africa trying to buy a second home in Las Vegas.The Problem being most of the companies that I have been dealing with have tightened up the criteria that they don't qualify.  The home is for $130000 and they would like to put down 30% or more .They can put down 50%.  They have no credit stateside , nor do they have a social security number in the USA.  They do own a corporation here in Las Vegas.

He applied with a firm in Florida and they gave him a preapproval letter.  He paid an upfront fee and , now the lender is backing out.  We are supposed to hear something by Monday, but the future doesn't look bright.

If you are a lender that does Foreign national loans, and don't have a bull story to tell us, please help me put this lovely couple in a second home.  Please contact me at 702-521-1442. or email me at pyoestc21@aol.com

Notice of Defaults Under Attack In Las Vegas, NV.

 

We are all familiar with the Robo Signing scandal which delayed foreclosures in judicial states.{ about half of the nation} back in October.  Call this part 2 of the scandal.  The new attack is focusing now on non judicial states.  A non judicial means you don't have to go to court to foreclose.

 

The attack is on the Notice Of Default.  A Notice Of Default is a notice sent by the bank to the borrower putting them on notice that they are delinquent on the loan and should bring it current.  It states that the Notice of Defaults were handled improperly and now the foreclosures are invalid.  This affects Nevada, California, and Arizona so far.  So, it looks like distressed loan pipelines will get out of control in the 1st quarter.  Look for a slowdown in these states.

 

                                                                                                                              

Bank of America reported that they have already tested the Notice of Default at the time they tested the Robo Signing.  They are moving forward with their foreclosures as planned.  Chase and Wells said they did not stop the Notice of Default, and did not say whether they will do so.

 

affordable foreclosures in Las Vegas

 

Notice Of Defaults are sent out daily.  If you would like to have them sent to you on a daily basis via email send your information to pyoestc21@aol.com

Selling Mistakes FSBO Sellers Make

Help for selling your home in Las Vegas, NV.

First of all, a FSBO is a term that a Realtor gives to seller when they are trying to sell their own homes.  It means for sale by owner.  We have actually taken the term and used the initial that each of the words start with.  There is nothing wrong with trying to sell your own home, people do it every day.  I will even help you by advertising your FSBO property on my sites.  Before you start to sell your home , please beware of these selling mistakes that most people make while trying to sell your own home.

 

The biggest mistake is not pricing your home for the market that it's in.  There is a real danger in pricing it too high.  If you price it too high, buyers will expect more  because it is selling for more than any other homeas in the neighborhood.  They will become dissapointed and lose interest if it is not priced properly.  Let me help you price your home by requesting a free market evaluation.  There is no obligation the market analysis is free.

If you have had an appraisal done for refinancing, don't mistake the appraisal for market value.  These appraisals are often to entice you to refinance and are high.  The best thing to do is have a Realtor do a market evaluation.  Call me and I can arrange to do this for you , as I told you above.  702-521-1442

It is a mistake to not showcase your home.  Home staging works wonders and saves time in the long run.  See what staging can do for your home by looking at these before and after pictures that my friend Linda has done.  Clean closets and de-clutter the home.  Remove over sized furniture to create a spacious feel.  Paint if necessary.  If you can't afford to stage or do repairs, clean the home and make sure it's presentable, at least.  If major items are broken adjust the price and be sure you tell the buyer.

 

Don't make the mistake of trying to "hard sell" when showing it to prospective buyers.  If your home were listed the agent would ask you to leave and let the buyer's go through.  So, it's your home and you have to show them through, but I would let them go through and tell them if they have questions to ask.

 

It's a mistake to try to sell "looky lous" because they are at least 6-8 months away from buying.  This may be a neighbor or someone you know.  They are just snooping and not really serious.

Not knowing your rights and responsibilities is a big mistake.  Make sure you can answer the questions they may ask correctly.  Giving them the wrong information can lead to a law suit.  You should contact an attorney to have them draw up the papers.  You will also need to use a title company.

Don't limit the amount of marketing.  You will need to market in a lot of different ways to sell your property.  You will need to show it when the buyer wants.  Don't let your job keep you from selling your home.

 

How will you know if you have a qualified buyer?  Your buyer should have a preapproval letter from a lender to prove that he can qualify for this home.

 

These are all things that you need to think of when selling your home.  I am willing to help you sell your own home. and in return if it gets to be too much for you, you allow me to do everything for you.  Contact me now pyoestc21@aol.com or call me at 702-521-1442.  This is what I do don't be discouraged if you can't do it.  No one said it was easy.  But I promise to make it as easy as possible for you.

Please feel free to browse my website to see if you would like to use the website to advertise your home www.nevadainvestmenthomes.com  visit my profile http://activerain.com/pyoestc21  to find out if you are going to like me.

 

 

 

'

 

We lead bv example

I have raised three children and now have grandchildren.  All three children were involved in sports from baseball, football, and Judo.  We set examples for them.  Their coaches set examples for them.  We were not allowed to badger the other team. or talk trash against your oponant.  You shook hands and may the best man win.  You could never display your anger at the other team because it was unsportsmen like conduct.  The coaches and parent alike went out of their way to show only good conduct.  The children who lost were sad enough, they didn't need a coach displaying negative emotions.

I am so proud of my team.  Steelers you are the best team ever.  PT's Pub rocked as we cheered you on to Victory.  This will be superbowl 8 for you.  Congratulations!  The last three games have been exciting and the best team has won so far.

Today we played the New York Jets.  During the week our team had to listen to the Jets brag about how they were going to take us out, and how they were going to take Ward out.  This was all over the news in Pittsburgh.  If they were going to take Ward out, why broadcast it so the other team knows what you attack plan is.  You see Big Ben just went to Heath Miller instead cause the pressure was on Ward.  Pittsburgh was quiet.  They never do let anything out of the bag.

The game was one that made you sit on the edge of your seat.  The first half was dominated by the Steelers, but the second half the Jets gave us a run for our money.  The coach must have given them a little talk in the locker room.  Getting down to the last three minutes of the game it was nip and tucl, the Jets could have been there, all of a sudden you see the coach of the Jets rip off his head phones and whip them to the ground.  If that was a player it would be unsportsman like conduct.  If coaches lead by example, then the team deserves to lose.

 

 

 

 

 

Go Steelers

 

Last weekend PTs Pub was packed as we cheered the Steeler's to victory over our fierce rivals the Ba;timore Ravens.  What a game the Ravens put up a battle but, the better team won.

 

Tomorrow we play the New York Jets for the AFC championship.  We battle for the right to play in the Superbowl.  This will be number seven, and we are up for it and ready for you New York.  I will be glued to that TV to cheer the Steelers on to victory.  I am already anticipating the big Superbowl party, and looking forward to the ads. Till the game Go Steelers.