Holiday Gift for Military: Active, Reserve, Retired

702-379-3401--- Employed in a Military Career? Are you Active Military? Retired? Or on Reserve? We have a special holiday gift for you! The Radcliffe Group at Keller Williams Realty Southwest in Las Vegas, Nevada is here to serve your real estate needs.

Additionally, our preferred Lender, Chris Binney of Raintree Mortgage is offering a below market interest rate for our Military friends at a rate of 3.25%. We have a relationship with Old Republic Title and are working on a discount for Title/Escrow fees as well.

School assignments just came out, if you are trying to figure out where you are going when you PCS, get a hold of me and I can help you with your next relocation and valuation of your current home and getting it sold for the highest and best price within your timeframe. With weapons school graduation happening soon, let us help you prepare for a smooth transition.

Our military never pay a full commission and reduced loan fees are available as a thank you for your service through our military discount program. Give us a call or check out our website for more information.

Thank you for your service and Happy Holidays from the Radcliffe Group at Keller Williams Realty Southwest Las Vegas 702-379-3401www.DaveRadcliffeVegas.com

Microwaved Turkey Dinner on a Chilly Thanksgiving Night? No Thank you!

Microwaved Turkey Dinner on a Chilly Thanksgiving Night? No Thank you!

702-379-3401 www.DaveRadcliffeVegas.com: Dave Radcliffe, The Radcliffe Group, Keller Williams Realty Southwest 

Did you know November is the month your oven will stop working? Well it may have stopped earlier, but the week of Thanksgiving is when most people realize it for the first time because they haven’t used it all summer due to BBQ season. So for most people, it isn’t until you are ready to put the 20 pound bird into the oven that you will realize it has failed and will not be cooking Thanksgiving dinner. A home warranty can really help you in situations like these and throughout the year when your appliances fail. Warranty coverage costs little and can save you from going out and having to make a big purchase with your Christmas giving funds. This week, take preventative steps and check to be sure your appliances are working (before you host your next big gathering). Filing your claim early will assure you are not washing dinner dishes for your family, extended family and guests or microwaving your meal because the oven stopped working.

While you are at it, check the thermostats as well, Las Vegas has had a few chilly days, but not enough for some of us to turn on the furnace/heater yet. Make sure your HVAC systems are working before the temperatures drop and the tempers rise. Filing a claim now will assure you are warm throughout the holiday and winter season.

By the way, did you know, that when you list your home for sale with the Radcliffe Group, Home Warranty Coverage is added for the listing period (and can optionally carry over to the new buyer) and covers HVAC? Well it does. Listing coverage can save you a lot of money and has saved our clients many times over. Considering selling your home? Listing your home now is the perfect time to show off your home’s special features this holiday season and get you settled into your next home so you can start of the New Year with a bang.

Do you have a hard to buy for friend or family member on your Christmas shopping list? Why not give them the gift of a home warranty. With warranty coverage will be the gift that keeps giving all year long. 

Happy Holidays from Dave and The Radcliffe Group of Keller Williams Realty Southwest and Lisa Waldeck of HSA Home Warranty, we wish you a Happy and Healthy Thanksgiving. We are grateful for you. Give us a call, or check out our website, we would love to help you out. 

Lisa Waldeck, Regional Director, HSA Home Warranty is looking forward to the opportunity to earn your home warranty business! Home Security Of America is Celebrating 29 years of protecting you from unexpected home repair costs!   702-287-1269, Lisa.waldeck@onlinehsa.com  

702-379-3401 www.DaveRadcliffeVegas.com: Dave Radcliffe, The Radcliffe Group, Keller Williams Realty Southwest 

Written By Nickel Lowman

The Radcliffe Group

702-379-3401 

TURKEY DINNER, MICROWAVED DINNER, THANKSGIVING FAILS, APPLIANCES, HVAC, HOME WARRANTY COVERAGE, HOME WARRANTY SERVICE, LISA WALDECK, DAVID RADCLIFFE

Las Vegas Real Estate Market statistics October Update 2014

(702)379-3401 www.DaveRadcliffeVegas.com-- Las Vegas Real Estate Market statistics October Update 2014

There are great things that are happening around town with a lot of focus on Summerlin. With many new stores, personal services and new restaurants in Downtown Sumemerlin the place is packed, with a lot of fanfare, it’s the place to be. With more stores and eateries to still open, I recommend checking out the movie theater with recliners, and drink service, it’s a great atmosphere! Massive draw!

New home construction is still booming. With both on and off sites, a 9,000 home development, Sky Canyon, is under way and is located off of the US 95 North. We would love to show you homes in the area.

Good news! UNLV has Cyber, a great way to track economic research and data.It shows we are leading and showing an economic increase, much better than in July 2013. The business activity index is up; tourism index is showing a little loss, but not terrible, and still up year to date. Construction index is up as Las Vegas is building more, and doing more! It’s a great place to live.

Looking at real estate market statistics for last month:
Foreclosures sales measure at 2850 single family condos and town-homes in September of those Real Estate 80% 2284; Short Sales diminishing with 311 at 11% of the market; Reo/ Foreclosures are down and only making up 9% of market; with 954 conventional sales, 367 FHA, 241 VA funded purchases cash purchased are down at 952. Cash purchase rate are less than 50% of the buyer pool, making them a much smaller part of the market, creating a more traditional market vs. this time last year when cash home purchases made up 60-70% of market.

With only 3 months of inventory on the market, Las Vegas is still considered a seller’s market, and will stay that way until we see approximately 6 months of inventory. It’s a great time to sell if you are considering a move. We would love to speak to you, and help you with your new home purchase, resale purchase or sale of your home. Give us a call we would love to speak to you and assist you with all of your real estate needs. Subscribe to our YouTube channel or check out our website for all of the latest updates.

Dave Radcliffe, The Radcliffe Group, Keller Williams Realty Southwest 702-379-3401 www.DaveRadcliffeVegas.com

Henderson- Las Vegas Nevada ordinance requires banks to maintain foreclosed homes- It’s about time!

Henderson- Las Vegas Nevada ordinance requires banks to maintain foreclosed homes- It’s about time!

The City of Henderson is cracking down on deadbeat owners/banks and working to keep our neighborhoods looking beautiful and retaining our property values. Failure to comply could be costly!

News now, recently reported on a decision that was made earlier this year by the City Council of Henderson. They passed the “Abandoned Residential Real Property Registry Ordinance” (Ordinance No. 3121) requiring the registration of abandoned residential property and those in danger of becoming abandoned. “The Ordinance was established to reduce and prevent neighborhood blight, to mitigate conditions that threaten the health, safety, and welfare of the public, and to promote neighborhood stability.”

The City of Henderson has retained a company, Applied Analysis, to help implement and maintain a foreclosure registry called RegisterHenderson.com There is a registration fee in the amount of $200.00 to be paid at the time of registration, and an annual renewal in the amount of $200.00 every year thereafter if a property still meets registration requirements. The ordinance requires registration for abandoned or soon to be abandoned properties.

So you might be wondering, How does it work?  Property inspection will take place within 30 calendar days after filing a notice of default or being notified that a property may be abandoned or in danger of becoming abandoned. It is required that a Property registration and designation of a property manager take place within 10 days of the inspection. It is required that landscaping visible from the public right-of-way shall be maintained pursuant to the minimum property maintenance requirements required by the City and pools and spas must be kept in working order so the water remains clear and free of pollutants and debris or drained and kept dry. The City wants to make sure homes are properly secured and that the property shall be maintained in a secure manner to prevent accessibility to unauthorized persons. Doors, windows, gates and other openings that make the property accessible must be closed and locked.

So now that you know how it works you might be wondering what you can do to help move the process along? Simply stated, you can report vacant foreclosures in your Henderson neighborhood. If you believe that there is a vacant foreclosure in your neighborhood that is either unregistered or the owner of a foreclosed vacant property is failing to properly maintain the property, send an email to info@registerhenderson.com. You can also contact Applied Analysis directly at: www.RegisterHenderson.com  Property Compliance Notices, 6385 South Rainbow Blvd.. Las Vegas, Nevada 89118 Telephone: 702.818.8880.

Failure to comply could be costly for the owner if the City of Henderson Code Enforcement determines that a lender has failed to register the property (and they will), a City of Henderson officer or employee may issue a notice, violation, and/or citation as necessary. Administrative fines and fees can really add up since they are accessed at a rate of $150.00 per day, and criminal misdemeanor citations and other civil actions may be issued for failure to comply with the ordinance.

It’s time to take our neighborhoods back and keep our property values up. The City of Henderson is doing just that! Search for your next Henderson Home Here.

Written by Nickel Lowman

Content quoted from RegisterHenderson.com

The Radcliffe Group

Keller Williams Realty Southwest Las Vegas

(702)379-3401 

www.DaveRadcliffeVegas.com

Real Estate Law, Henderson Real Estate, Henderson Homes for Sale, Code Enforcement, City of Henderson, Deed of Trust , Abandoned Residential Real Property Registry Ordinance (Ordinance No. 3121

Have you cake and eat it too... Marine Corps Celebrate another Birthday

Happy Birthday  Marine Corps!

The United States Marine Corps was established on November 10, 1775, to augment naval forces in the Revolutionary War. The recruiting headquarters was set up by Capt. Samuel Nicholas in the Tun Tavern on Water Street in Philadelphia, which is considered to be the birthplace of the Marines.

After success in many campaigns, the Corps was abolished at the close of the Revolutionary War for reasons of economy. On July 11, 1798, Congress ordered the creation of the Corps, named it the United States Marine Corps and directed that it be available for service under the Secretary of the Navy.

The Corps celebrated its birthday, or Marine Corps Day, on July 11 from 1799 until 1921 when the date was permanently changed to November 10 to commemorate the establishment of the Corps to aid in the Revolutionary War.

The day is still observed by U. S. Marines worldwide. Special exhibits, parades, drill team performances, and speeches typically mark the occasion. The Birthday Ball, which culminates in the cutting of the birthday cake, is held that evening in Washington, D.C. It is not possible to determine precisely when the first cake ceremony was held, but the first on record took place at Marine Barracks, Washington, D.C., in 1937. Major General Thomas Holcomb, the Commandant, presided at an open house for Marine Corps officers, including the cutting of a huge cake in the shape of Tun Tavern.

Source: http://www.defense.gov/afd/marinecorps.aspx

Dave Radcliffe, CFAC, CDPE
The Radcliffe Group
Keller Williams Realty Southwest
Cellular 702-379-3401
www.daveradcliffevegas.com

Aviation Nation, an air show & open house will return to Nellis Air Force Base this weekend

Aviation Nation returns to Nellis Air Force Base

November 8th-9th, 2014

It will no doubt do so again Saturday and Sunday at Aviation Nation, an air show and open house that returns to Nellis Air Force Base.

Las Vegas’ skies will be overtaken by maneuvering military jets and their thundering roars during the base’s free show that features the Thunderbirds F-16 aerial demonstration team.

At least one jet will be in the air from the time the show’s start time at 11 a.m. to the time it ends just before 4 p.m.

The crowd also will be treated to demonstrations by the A-10 Warthog, A6M Zero, the AT-6 Texan and the L-39 Albatross. Food and beverages will be available, as will novelties.

Attendees will be able to meet those responsible for Air Force missions, including the pilots.

Organizers for the show, which usually draws more than 100,000 over two days, are expecting a 10 percent to 20 percent increase in attendance since there wasn’t a show last year.

Free parking is being provided at the nearby Las Vegas Motor Speedway. Buses will begin transporting visitors from there to the base at 10 a.m.

For information visit www.nellis.af.mil/aviationnation/ or call the 99th Air Base Wing public affairs office, 702-652-2750.

How To Increase My Credit Score? Insider Credit Tips…

(702)379-3401---www.DaveRadcliffeVegas.com---

Are you excited to start shopping for a new home? We are excited for you!

Here is the "How To Increase Your Credit Score" and Get Insider Credit Tips from your Realtor and Lender.

Dave Radcliffe of The Radcliffe Group, Keller Williams Realty Southwest Las Vegas and Wes Friedman with Southern Fidelity Mortgage are here as your guides to get you successfully through home buying and lending process.

 

Pulling your credit is the starting point in getting a home loan and starting the shopping experience. Pre-qualifying early when looking to purchase a home is a key element, not to be overlooked. Your Realtor will work with and partner you with a lender that can help. Understanding your credit is a key factor as there are a lot of things that are taken into consideration when applying for financing.

For example:

1. What type of loan will you get? (This will directly relate to how much of a home you can afford (monthly payment and needs for down payment.)
2. What will your interest rates be? (Is it time to lock in your rate?)
3. What length of time will it take for your loan to go through? (How much time will be needed to process your paperwork and any needed credit repairs.)
4. Do I need to make credit repairs? (Where do I start?)

Here are a few key elements in increasing your score:

Limits/ Balance:

Are you maxed out on your credit cards? A high balance is considered over extended credit. What is a high balance? 20% of the high credit limit or more is considered high. A maxed out and over extended card will report negativity to the credit bureaus so watching your limits and paying down balances owed is very important. Keeping your card at a manageable balance (one that you can pay down timely) is a key factor to increasing your credit score.

Collections:

Do I pay them off?- We know that sometimes people get into trouble and end up in collections. Paying off your balances can be important (BUT STOP and KEEP READING). Paying off the collections seems to be the right thing to do (Right?) BUT understand that you should NOT PAY OFF a collection unless the creditor agrees to DELETE the collection reporting. Once you pay off the debt, you have no negotiating leverage to get your credit cleaned up. (You won’t owe the balance, but it will still show negatively on your reports.

New vs. Old- The date of a collection can affect your credit score. Newer collections have more of a negative impact (even if they are for lesser debts) than some of the older collections. Lenders want to see you have changed your bad habits and can be trusted to stay current.

Authorize User Account vs. Join Account Holder:

Underwrites will make you remove an authorized user account because typically it is Mom and Dad adding you to their credit lines (so you have a card), and this does not show the propensity for you to repay your bills (because Mom and Dad pay it). Lenders know this. If you are going to be added to someone else’s trade line, do it as a join account holder not an authorized user account. Lenders want to see you take on the responsibility and ownership of paying off your own debt. (Don’t open a new trade line without speaking to your Lender first.)

Not using your credit cards?

Credit card inactivity can actually hurt your credit. The rule of thumb is to have 3 active revolving lines of credit. If you are only using 2 of your 3 cards, the unused card may be reporting negatively. Use each of them sparingly and pay them off monthly.

Who’s looking at your credit?

Watch inquiries- Going from one creditor/mortgage shop, to the next to the next will cause scores to drop. A good Lender will provide you with a credit report and you can still do comparison shopping without affecting your score.

Mortgage Debt:

A mortgage is an important part of your score. 35% of credit composite is mortgage history. Without a perfect mortgage history you cannot have a perfect score.

Best Advice:

First: Get copy of credit report and have it analyzed by a professional. If you need to make repairs to your credit it can take 4-6 months to improve it and change your qualifying ability at the highest and best rates available.

Don’t assume you know what you are doing on your own, give Wes a call and he will set you up with a FREE ANALYSIS and get you on your way to home ownership. We are here to help you get the lowest interest rate at the best possible house.

Contact us:

Thank you so much for watching. If you need more information go to my website or give me call. As always, we always love to talk to you about all of your Las Vegas, Centennial Hills, Summerlin, and North Las Vegas real estate needs. (702)379-3401 www.DaveRadcliffeVegas.com

Las Vegas Appraisal Institute Interviews Top Expert Realtor- David Radcliffe

Dave Radcliffe Featured at the Las Vegas Market Symposium

The Las Vegas Chapter of the Appraisal Institute has invited David Radcliffe, Realtor/Owner of The Radcliffe Group of Keller Williams Realty Southwest Las Vegas to be an expert panelist at the 2014 symposium. As a top producing Realtor, Dave reports regularly on the current real estate market in Las Vegas to include some of his specialty areas such as Summerlin, Centennial Hills and North Las Vegas. Dave has a passion to educate the community and a heart for the Military, with much involvement with Nellis Air Force Base and Las Vegas Metro Police Law Enforcement Departments and Fire Teams and had special offers available for those serving. Dave is well versed in the current real estate market conditions including Single Family Residential, New Construction and Luxury homes in the greater Las Vegas area. Dave has created a video series on the current hot topic of HOA Super Priority Lien Ruling, Credit Issues and Increasing your Credit Score, The Las Vegas Foreclosure Market, General Home Buyer and Home Seller Education Series and Where Law Meets Real Estate. Subscribe to his YouTube Channel to get all of the latest updates. Give Dave a call to learn about how he can help represent you in your next real estate transaction. (702)379-3401 www.DaveRadcliffeVegas.com--   

Las Vegas Market Symposium Featuring guest panelist David Radcliffe

Written by Nickel Lowman

Subscribe to his YouTube Channel to get all of the latest updates. Give Dave a call to learn about how he can help represent you in your next real estate transaction. (702)379-3401 www.DaveRadcliffeVegas.com--