Chance Gates' Blog

The Nevada Rural Housing Authority continues to make the dream of buying a home a reality for many moderate-income Nevada households with innovative first-time buyer programs. They have just launched Home At Last™ Plus offering a great, below market mortgage rate, plus down payment assistance in the form of a cash grant.

What does the Home At Last™ Plus offer buyers:

• FREE cash down payment grant equal to 3% of loan amount (never has to be repaid)
• 3.85% 30-year fixed mortgage rate
or
• 3.35% 30-year fixed mortgage rate (without down payment grant)
• Instant home equity
• No asset limits for homebuyers

Who qualifies:
• First-time homebuyers or qualified Veterans who will live in home as primary residence
• Households meeting income qualifications and normal FHA, VA or RHS underwriting requirements
• Home purchase is in rural Nevada (population fewer than 100,000) and falls below maximum price

Maximum home prices:
Carson City…………………$363,417
Clark…………………………$364,556
Douglas……………………..$427,215
Elko, Eureka & Nye.……….$296,202
Lyon……………………..……$301,898
Storey & Washoe…..………$367,974
All other areas.……………$247,032

Maximum income limits:
Carson City
2 or fewer persons…………$81,840
3 or more persons…………$95,480
Churchill
2 or fewer persons…………$66,878
3 or more persons…………$76,910
Clark
2 or fewer persons…………$78,120
3 or more persons…………$91,140
Douglas
2 or fewer persons…………$91,080
3 or more persons…………$106,260
Elko
2 or fewer persons……$80,741
3 or more persons……. $92,852
Eureka
2 or fewer persons……$81,240
3 or more persons……. $94,780
Humboldt
2 or fewer persons….. $71,400
3 or more persons………$82,110
Lyon and Nye
2 or fewer persons…… $78,120
3 or more persons………$91,140
Storey & Washoe
2 or fewer persons…..$84,600
3 or more persons…….$98,700
All other areas
2 or fewer persons…….$67,078
3 or more persons………$77,140

Click here for a list of approved lenders.

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As a Reno/Sparks real estate professional, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

www.nevadawolfpack.com

The annual Wolf Pack Caravan kicks off this spring on May 4 when the caravan rolls into Carson City for an appearance at Dick Campagni’s Carson Toyota.

This free event features Nevada head football coach Chris Ault and members of his coaching staff and runs from 5-7 p.m. Ault, the reigning Western Athletic Conference coach of the year, will speak about the upcoming season as Nevada prepares to defend its WAC championship in its final year in the league before Nevada moves to the Mountain West in 2012. Fans will have the opportunity to meet-and-greet the Wolf Pack staff and talk about the 2010 Dream Team and learn more about the upcoming season.

There is no cost for the event but fans are asked to RSVP by calling 775-682-6961 to reserve their spot or to get more information about the caravan.

Future caravans are scheduled for other stops in Northern Nevada, including an open house on campus with tours of the Wolf Pack facilities.

Logging in allows you to save your favorite properties and get instant updates price changes,  new pictures and open houses on the property.

As a Reno/Sparks real estate professional, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

Apple Picking Resource Guide – go Apple picking in Carson City, Nevada!

Want a unique, fun activity for fall in the Carson City, NV area? This is where you can find Carson City area apple picking orchards, apple farms, apple festivals for Carson City and Carson City County, Nevada.

Apples are one of the easiest fruits to gather – even for little hands. Here are a few tips to get the most out of your apple picking experience:

- Apples on the outside of the tree tend to ripen first. Because there are so many varieties, color isn’t necessarily an indication of ripeness. If you’re not sure, ask.
- When going to pick your own apple picking farms, choose firm, bruise-free fruit and place it gently in your basket (just throwing them in will make them bruise and go bad more quickly).
- To increase shelf life, keep your apple haul in a cool, dry place, like a basement. Don’t wash them until you use them. Then bring on the apple pies, sauce and cider!

Some fun Carson City, Nevada Apple Picking facts:
-Apple trees take four to five years to produce their first fruit.
-There really was a Johnny Appleseed, famous for planting apple trees. His real name was John Chapman and he was born in 1774
-There are about 8000 varieties of apples around the world. Only about 100 types of apples are grown commercially in the U.S.
-After you go apple picking, amaze the kids with this trick: when you slice an apple in half, the core resembles a star

As a Reno/Sparks real estate professional I encourage any questions or comments or the Reno/Sparks real estate market or any of the articles posted.

Contact me at  chance at ballard-company.com www.myspace/chancegates

As many of you know my oldest son has been the cause of my gray hairs.  This is usually due to the fact he doesn’t care how he does in school.  Most of the time he gets an “A” if he does the work or a “F” if he doesn’t.  This quarter it final happen, I’m not sure if he got tired of all his stuff be taken away, not letting him go play outside with his friends, or just talking to him about the direction he is going.  He took some pride in himself and just did the work.  The worst grade on his report card was a “c”, he not only passed every class, but has some good teacher remarks.  He is now debating going into the navy or becoming a diesel  mechanic.  Something interesting I did find out is the navy has a Jr cadet training in Carson City.

As a Reno/Sparks real estate professional, I encourage all questions or comments on the Reno/Sparks real estate market or any of the articles posted on this blog.  I can be reached by email at:   chance at ballard-company.com or http://www.myspace.com/chancegates