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Hello everyone.  Well, here is my story... I got divorced 3 years ago.  I used to have my Real Estate License and had to put it inactive because I needed a stable salary to provide for my 3 kids and be able to pay for rent and utilities.  Gladly I found a job right away.  I worked as a Circulation Manager for the local news paper.  Little did I know that the job hours were from 3 am till whatever time I was needed there, sometimes delivering the paper at the wee hours of the night myself door to door.  Nevertheless, it was a job, and it provided me with enough money to live month to month.  Sadly I lost the job.  Then I spent the last year looking for another one but I came to find that at least in this town, no degree means no job.  Well, lets be honest, I can work anywhere but not only I have great skill as administrative assistant, but also, being paid the minimum wage does not add up to include a baby sitter payment for me.  So I decided I needed to pursue a career, and fast!

So I did.  I enrolled to the University of Phoenix online, and by the end of this year (2007) I would have finished my Associates Degree in Criminal Justice. 

I have done so many things while.  I am giving therapy to kids with disabilities as a volunteer, I have give folklorico dance clases as a volunteer also, and enjoy helping people around in general.  You could say I am a good girl.

I just can't wait anymore to finish my school.  I am already behind on my rent, I am 2 months behind on my car payment, I have no money for anything, specially to at least take my kids to the movies!  So its pretty sad.  I had come up with a plan already, I talked to a Real Estate Broker (Exit Realty) to sponsor me so I can get my Real Estate License back.  He kindly accepted, so I had already finished the only class I needed to renew it, but I still have to take the test again.  The Broker at Exit Realty is paying for all the I need until I pass my test, class, renewal fee, exams etx.  So far it looks great. 

I am just going crazy not knowing what to do for money to provide to my little family while I sell my first house!!

I really need a helping hand.  I have 3 kids, two of them are special kids, one is Bipolar and the other one is Obsesive Compulsive (The third one is doing great, no problems) so you must understand why is so hard to go thru this fear of not knowing if I will be able to get back on track.  I am afraid they will evict me from my apartment because I am so behind, I am afraid they will take away my car because is the only one I have to take my kids to school. 

The other part that is driving me crazy is that I got a traffic ticket 2 years ago (driving at 4 am in the morning is not the best time to drive) and I could not pay it so it became a warrant.  Then I got stopped because a light on my car was not working (did not even noticed) and since I had a warrant already I was affraid to show my drivers license, so there you go, another ticket, this time for no stop light, and no drivers license.  Again, I could not pay or go to court for the same reason (I had a warrant) I was affraid, so I got another warrant, and the got my license revoked.  The good news is that I was able to gather some money and pay my warrants.  The bad news is that now I have to come up with money (lots) to pay the fines to get my drivers license back.  (bummer).

You might ask, So where is the father??  Well, the father is very near, but he already has another BIG family to support.  At my divorce I was stuppid enough to accept 400 a month for Child Support, and that is all I get.  Later I found that my ex husband is making about 70,000 a year, and he is suppoused to give me about 1200 a month for Child support.  So I went to the authorities, the Attorney General and guess what?  They said they had to respect the divorce decree, and I was stuck with only 400 a month, not only that, but they also made my ex pay for insurance for the kids, and now he is paying 400 for that insurance that nobody uses!!  I am so frustrated!!

I just want to be able to provide for my kids.  I just need one break, just one.  It has been down hill for the past 3 years and I just don't see when is this going to end....

I want to be able to pay my rent, to pay my car, to take my kids shoping for some new shoes, to take them to the amusement park, to take them on their first flight.  I know the nice things will come as soon as I start working in Real Estate, I know they will get better when I get my degree.  But now, I just want to get back on track, I want to be able to drive and not be afraid of the police stoping me and finding my license is not active, I want to be able to come home not afraid I will find my self lock out for not paying the apartment, I want to be able to know that my car will be there tomorrow to take my kids to school.

Its just getting so hard and I sometimes think that I just cant do it anymore...

God, please help me!  The sea is so big and my boat is so little.....

Thank you for reading my lines...

Ale

Hello. I dont have a sad story but i am in need of a little help. i have never donated anything on this page but i will ask for some advice and help anyway. i quit my carreer of 16+ years to become the next donald trump, only to find it isnt that easy. i have sold 1 house over the past 5 months and finaces are getting low and im in need of some help. please emaol me if anyone can help im affraid that soon i will need to go back to the life i once new as that will be the only stable source of income that i can count on.

I am a mother of four. I am a full time Real Estate Agent. I am like everyone else. I am trying to make ends meet. I am not rich nor do I consider myself poor. When I do have the extra cash, I want to fix the world. Unlike those that have tons of money that may be able to save the world but choose not too, I try with the little bit I have. I am a very honest Christian woman that likes and strives to make a difference in each and every individual that I come across. I have killed Real Estate transaction with honesty and integrity. I do get looks from those that think I am crazy for not making that extra dollar for deceiving those that are not aware, however that is not me. I am a strong believer of what goes around comes around!! Like I said, I have four children and a wonderful husband that is in the midst of migrating in this country and we are having a very hard time doing so. But I know that God WILL provide and my faith and prayers go out to God. I have found myself in great binds, but I place all worries in his hands and I always receive a gift from God one way or another. Trust in him, as he is the ONLY way. Times may seem rough, but he will provide on his time, not ours, because his time will come in a greater package. I hope you will be able to find God and trust him for all your needs. Hope=God!!

Remember sometimes we think we have it bad, but others have it worse!!

Do not choose by the looks!…

          Do not choose by the name!… 


                 Certainly do not choose by the car the real estate agent is driving!

    I would say that the knowledge about the area is crucial to the extend that you will get the most house for your money if you are the Buyer or the best price if you are the Seller. A good Agent with matching experience will help you “MONIEFY” your decision. Don’t look for this word in the dictionary, it’s not there! Everybody hopes to make money ether by buying cheep or selling high down the road and this is what I call “MONIEFY”. When I say experience, I don’t mean in real estate anywhere, but in real estate for the place you are inquiring about. It doesn’t do much good if you hire somebody who worked for 20 years in Colorado and just transferred to Florida. Living in one-place helps a lot to better understand the diversity and changes the area is going through and could benefit you, the Client.

    Another very important qualification a Real Estate Agent must have is excellent communication skills. Since you are going to spent time together you don’t want to drag around a person who draws negative emotions from you.

    Then, ask about the Process. Evaluate His/Her knowledge and self-esteem. Ability to listen and not interrupting is critical as to finding out what kind of outcome is the Client expecting. Usually people who know what they are doing have calm personalities and good self-esteem. I see many agents making the mistake of imposing their opinion on Clients they find hesitant. Relying too much on their experience some times they disregard the wishes and ideas of the Client, which leads to bad results and misrepresentation. Look for knowledgeable communicative person and do not hesitate to ask him/her questions! Lot’s of them – until you become confident that the deal you are getting is the deal that you want!

                               - The Process
                               - The Scary of Paper work

    First of all what you need to understand is that the Process I am describing here takes place in Las Vegas, NV and may not be as useful elsewhere in US. There is a number of people working on every single Real Estate deal towards a same common goal-to make the deal go through and close escrow. Some of these people you will meet and others you won’t, but every single one of them wants to finish this in a positive way, so they can get paid. SIMPLE AS THAT! And they know that they should work so, that everybody from both sides (Buyer/Seller) is happy or there is no deal, which means no payday and none of them wants to see that happening after all the time and money spend. Let me mention some of these team members so you better understand the next part of the PROCESS.

    First you choose a Real Estate Agent to help you find or sell a home and represent you throughout the transaction. Your Agent is your best friend. There is another just as good friend to you whom you may never see in person but he/she is watching every step of the way, because is legally liable for your Agents conduct – that person is your Agents Broker who gets paid part of the commission or a flat fee.

    Same structure is valid for the other side of the transaction (Agent, Broker, Client). Some times you may see the Broker working directly with the Client, but that is not a common practice. That’s why the Brokers hire Agents, so they don’t have to go out and do it themselves.

    So far we have the Real Estate side of the team (both sides Brokers, Agents, Buyer and Seller). Now let’s move to the Mortgage (Loan) part.

    If the Buyer doesn’t have the money cash (99% of the cases) will need to find a Lender (Bank, Mortgage Company, etc.) to finance the purchase. Usually, the Agent would pre-qualify the Buyer before they start looking at potential properties and this is the practice I prefer. It saves all of us valuable time. After finding a lending company, Buyer meets with a Loan Officer to help with the paper work and choose the right Loan, than the Loan Officer sends the paper work to the Processor. The Processor is somebody you may hear from if they need more information and then the file goes to the most important person on the Mortgage team, The Underwriter. If the file is complete and The Underwriter signs it off, the money is ready to go to Escrow.  The Mortgage team (Loan Officer, Processor, Underwriter) is getting paid partially by charging fees to the Buyers closing cost and partially by the Bank they got the money from.

    Then everything happens in Escrow (Title Company). Some states are using attorneys instead. One of the Buyers Agents job is to open Escrow with an Escrow Officer after the purchase contract was signed and accepted by both parties. Once Escrow is opened the Escrow Officer becomes the coordinator of the Process until it closes successfully. In order for that to happen, all the paper work gathered from RE Agents, Banks, Mortgage Co., etc., should be satisfactory to the standards of the State Law. One of the major roles of Escrow is to issue a Title insurance to the property, which means they made sure that all the liens and debts have been paid off prior to Close of Escrow, so the Buyer gets Clear Title and if someone shows up later and claims they had an interest in the property and were not paid to their satisfaction, they have to settle the dispute with the Title Company not with the Buyer. If the Seller did not pay his liabilities and did not disclose them prior to Close of Escrow, the Escrow may settle the claim and go after the Seller to recover the damages.

    Charging Buyer and Seller fees to their closing cost pays the Escrow Office, Title Officer and their assistants.

    Now I hope, you The Client, understood better the confusing sometimes Process of moving a Real Estate Transaction. And before we proceed to the next segment I would like to remind you that the above is mostly valid for the State of Nevada and especially for Las Vegas, where I work and live for 15 years. Most other states even though similar may surprise you with terminology, order and institutions different that the said above.

                               - The Scary of Paper work
                               - How To Choose A Real Estate Agent
 

Project:    Allure
Total Planned Units:   403
Builder:   Fifled Companies



Click here to see the floor plans




To get price information please, click here.

      The creation of this page has a very simple purpose. To ease the pressure and frustration, you as a home Buyer/Seller have, when it gets to purchasing or selling a home. And there is lots of it, especially for the first timers or those who have not done a transaction for a long time.

     I remember buying a house for a first time in downtown Las Vegas in early 90's. I couldn't figure, why the Real Estate Agent was trying to make me sign all these papers before I even decided on a house. Why don't we just look at houses and let it settle for a while? Well, the papers were not more then a formality and the houses I was interested in were selling fast, so it wasn't the agent, but my own frustration and lack of knowledge about the Process that made me feel uneasy. Now 15 years later being a Realtor myself, I would like to share my experience, not only as an Agent, but also as a person been on both sides of the game and understanding what people go through to make it happen.

                               - The Process
                               - The Scare of Paper work
                               - How To Choose A Real Estate Agent