Simmons Home Group - Realty One Group - NV Lic # S.0169929, 2831 Street Rose Pkwy, # 100, Henderson, NV (2025)

07/16/2025

Las Vegas Pitch Presents Simmons Home Group

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Justin Simmons & Sheela Simmons, Lic. S.0169929 | 702-356-4663
Simmons Home Group - Realty One Group - NV Lic # S.0169929

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Bill Ga***rd, NMLS 680603 | 702-757-8131
Ga***rd-Hansen Team at CrossCountry Mortgage

The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative.

Las Vegas REALTOR Pitch Sessions is sponsored by the Ga***rd-Hansen Team at CrossCountry Mortgage and Creative Collective Media.

CrossCountry Mortgage, LLC. NMLS3029 NMLS1628467 (www.nmlsconsumeraccess.org). NV Mortgage Company License 3259. Supplemental Mortgage Servicer License No. 4352.

07/05/2025

Happy 4th of July! Have a safe and happy holiday!🇺🇸

07/04/2025

Big congrats to our amazing buyers who just scored a beautiful home in Boulder City! 🏡✨ With only 5% down, a low interest rate, and NO PMI, this special financing made their dream home even more affordable. 🙌💰

Interested? DM us for more details! 📲

06/27/2025

Thinking about buying your first home in Las Vegas? 🎲 Let's make it easier for you! Getting pre-approved for a mortgage is the first big step, and we’re here to make it stress-free and straightforward. Here's a simple breakdown:

1️⃣ Know Your Credit Score 📊
Your credit score plays a huge part in determining your mortgage eligibility and interest rates. Understanding where you stand can give you the upper hand.

Why It Matters: A good credit score can unlock better loan terms, meaning lower monthly payments and savings over time.

2️⃣ Gather Your Financial Documents 📂
Lenders will want to see proof of your income, debts, and assets. Start collecting:

✔️ Pay stubs
✔️ Bank statements
✔️ Tax returns (W-2s or 1099s)
✔️ Employment verification

Pro Tip: Having these documents ready speeds up the process and shows you’re serious.

3️⃣ Determine Your Budget 🏠💰
It’s essential to have a clear idea of how much home you can afford before you start shopping.

Strategy: Use online calculators to estimate affordable monthly payments, considering your income and existing debts.

4️⃣ Talk to a Trusted Lender 🤝
Choose a lender who understands your unique situation and offers tailored advice. They’ll help you navigate mortgage options and find the best fit.

Why It Matters: A good lender is your ally, providing clarity and support, especially when the paperwork seems overwhelming.

5️⃣ Get Your Pre-Approval Letter ✅
Once you’ve submitted your documents and the lender verifies them, you’ll receive a pre-approval letter. This letter shows sellers you’re a serious buyer and boosts your negotiating power.

Emotional Benefit: Walking into your dream home with a pre-approval is like having a golden ticket! It signals to sellers you’re ready to make a serious offer.

Why It Matters
Pre-approval isn’t just paperwork—it’s peace of mind. It ensures you know your price range, speeds up the buying process, and gives you confidence to bid on homes you love.

Ready to take the next step? Let’s set you up for success in your home-buying journey. Like this post or message us to get started on your path to homeownership! 🌟

06/25/2025

Thinking about buying your first home in Las Vegas? 🌟 It's an exciting journey, but understanding the costs can feel like a puzzle. Here’s your step-by-step guide to saving smartly:

1️⃣ Down Payment (5%-20% of Home Price)
Many first-timers think they need to save 20%, but options like FHA loans allow as little as 3.5%. Consider aiming for at least 5-10% to open more opportunities and lower monthly payments.

Why It Matters: A larger down payment can reduce your monthly costs and hoops to jump through, giving you financial flexibility once you’re a homeowner.

2️⃣ Closing Costs (2%-5% of Home Price)
These include fees for mortgage applications, appraisals, and title companies. Budget around 3% of the home’s price for these expenses. Some programs may help cover or reduce these costs.

Tip: Your agent can negotiate with sellers to cover part of closing costs, easing your upfront load.

3️⃣ Emergency Fund (3-6 Months’ Expenses)
Unexpected repairs or emergencies are part of homeownership. Having a reserve ensures peace of mind and less stress when the unexpected happens.

Example: If your HVAC decides to take a vacation during a Las Vegas summer, you’ll be prepared.

4️⃣ Moving Costs ($2,000-$5,000)
Moving isn’t just boxes and tape—it’s potential storage, transport, and setup costs. Plan ahead so there are no surprises on moving day.

Budget-Friendly Idea: Ask friends for help or look for deals with local moving services.

5️⃣ Consider Ongoing Costs
Don't forget utilities, HOA fees, insurance, and property taxes. Understanding these monthly expenses helps you choose a home that fits comfortably within your budget.

Pro Tip: Use online calculators to estimate these costs based on different neighborhoods in Las Vegas.

Why It Matters
Knowing how much to save gives you confidence and empowers you as a buyer. Homeownership is more than a financial transaction; it’s a step towards stability and a place to call your own.

Feel ready or need guidance? Let’s navigate these numbers together! Drop a comment or message me, and let’s get you started on your Las Vegas home journey. 🌆🔑

06/23/2025

🏡 First-Time Buyers, wondering about property tax? Don't worry—we've got you covered with a simple guide to help you navigate this essential real estate term! Let's break it down:

1️⃣ What is Property Tax?
Property tax is a tax on your real estate, based on the property’s value and assessed by local government. It's typically used for community services like schools, roads, and emergency services. This makes understanding it crucial when budgeting for a home.

Why It Matters: Knowing your property tax helps you plan your monthly housing expenses beyond just the mortgage, ensuring you're financially prepared.🌟

2️⃣ How Is Property Tax Calculated?
Local governments assess your home's value annually. They'll multiply that value by a tax rate (called a mill rate), which is set at the local level. Here's the basic formula:

Assessed Value ✖️ Tax Rate = Property Tax

Example: If your home is valued at $200,000 and the local tax rate is 1.2%, your annual property tax would be $2,400.

Pro Tip: You can often find the tax rate and assessed value info from local government websites or your real estate agent!

3️⃣ Why Do You Need to Know About It?
Understanding property tax helps:

Budget Appropriately: Knowing upfront helps avoid surprises in monthly costs.
Plan for the Future: Taxes may change, especially with market value fluctuations, so staying informed helps you adapt.
Evaluate Investment: For investor clients, lower property taxes can mean better returns on rental properties.
📝 Practical Steps:
Research the property taxes in your dream neighborhoods—your agent can assist with precise data.
Consider possible exemptions or reductions, such as those for veterans or seniors, which can offer significant savings.
Include property tax as a fixed cost in your monthly budget to avoid overextension.
4️⃣ Emotional Peace of Mind
Being informed means no unexpected 'uh-ohs' when tax bills arrive. You can focus on enjoying your first home rather than stressing over unplanned expenses. Knowing about property tax strengthens your financial confidence. 💪

💬 Have more questions or ready to dive into your real estate journey? We’re here to help you every step of the way. Comment or send us a message to learn more! Let's turn your homeownership dream into reality, right here in vibrant Las Vegas! 🏜️✨

06/20/2025

🏠 Dreaming of owning your first home in Las Vegas, veterans? A VA Loan is a powerful tool to make that dream come true, offering benefits like no down payment and competitive interest rates! Here’s a step-by-step guide to get you started:

1️⃣ Understand Your Benefits
VA Loans are designed for you—from waived down payments to no private mortgage insurance (PMI), you can enjoy real savings! Start by checking your eligibility online or contacting a VA Loan specialist.

Why It Matters: VA Loans help you save on upfront costs, making homeownership affordable right from the get-go.

2️⃣ Obtain Your Certificate of Eligibility (COE)
A COE verifies your entitlement for a VA Loan. You can apply online through the VA’s eBenefits portal or get help from your lender to make this process quick and easy.

Pro Tip: Keep your service records handy to ensure a smooth application process.

3️⃣ Connect with a VA-Savvy Real Estate Agent
Find an agent who understands the VA Loan process and the Las Vegas market. The right agent will help tailor your home search to your benefits, ensuring you get the most value from your loan.

Why It Matters: A knowledgeable agent streamlines your home-buying journey, saving time and reducing stress.

4️⃣ Get Pre-Approved
Before you start house hunting, get a pre-approval letter from a VA-approved lender. This step shows sellers you’re a serious buyer and helps define your budget.

Pro Tip: Pre-approval strengthens your offer in competitive markets like Las Vegas.

5️⃣ Start Your Home Search
Work with your agent to find homes that meet your needs and budget. Focus on properties in neighborhoods with good future value, close to amenities that matter most to you.

Why It Matters: Choosing the right home means your investment grows with you over time, building equity and stability.

6️⃣ Make an Offer and Close the Deal
Your agent will help you craft a competitive offer. Once accepted, your lender and agent will guide you through the closing process, handling inspections, appraisals, and final paperwork.

Emotional Benefit: Imagine handing over the keys to your family and stepping into your own home—a place where you’ll create lasting memories.

Why It Matters: With expert guidance, closing becomes a seamless process, allowing you to focus on settling into your new home.

Thinking about taking the next step toward homeownership? Let's make it happen! Drop a comment or message to start your journey today. 🎉🏡

06/18/2025

📦 Downsizing to a tiny home doesn't mean you have to sacrifice comfort or style. With the right storage solutions, you can make every corner work for you. Here’s how:

1️⃣ Smart Vertical Storage
Take your storage to new heights—literally! Use tall shelving units or install wall-mounted shelves to keep items off the floor and within easy reach. Think about using stackable bins to organize seasonal items or less frequently used belongings.

Why It Matters: Maximizing vertical space leaves more room for living, making your tiny home feel larger and more open. It also helps keep essentials within arm’s reach without cluttering the space.

2️⃣ Multi-Functional Furniture
Choose furniture that does double duty. Look for beds with storage drawers underneath, ottomans with lift tops, or tables with built-in shelves. These pieces help declutter without compromising on function.

Example: A storage bench by the entryway gives you a place to sit while taking off your shoes and stows away scarves, hats, or dog leashes.

3️⃣ Clever Corner Solutions
Don’t neglect those corners! Install corner shelves or use corner cabinets to store books, plants, or decorative items. A corner desk is perfect for a mini home office without taking up valuable floor space.

Pro Tip: Use transparent bins or labels on closed storage to quickly see what you have and where it’s stored. This saves you time and hassle when you need to find something.

4️⃣ Under-Stair Storage
Staircases in tiny homes offer hidden gem opportunities for storage. Use the space beneath the stairs for built-in drawers or open shelves. You can store shoes, extra linens, or even create a mini-library.

Why It Matters: Utilizing these often-overlooked spaces frees up other areas for living, relaxing, or entertaining. Plus, well-organized storage can reduce the time spent finding things, giving you more time to enjoy your home.

🏡 Emotional Benefits
A well-organized home isn't just about finding space—it's about creating a living environment that feels cozy, inviting, and stress-free. Downsizing doesn’t have to mean giving up what you love; it’s about prioritizing what truly matters.

Ready to make your small space work for you? Let’s chat about more ways to make your downsizing journey smooth and successful. Drop a comment or message me—I'm here to help!

06/16/2025

First-time homebuyers, looking for peace of mind and fewer surprises? 🏗️ Consider new construction homes! Here’s why they might be the right fit for you:

1️⃣ Fewer Repairs and Maintenance Costs
New homes come with brand-new appliances, HVAC systems, and roofs. This means you’ll spend less on unexpected repairs—so you can focus on settling in and enjoying your new space rather than fixing it up.

Pro Tip: Explore warranty options that cover you in case anything does need attention down the road. Many new homes come with builder warranties that add an extra layer of protection.

2️⃣ Modern and Energy-Efficient Features
New constructions are often built with the latest energy-efficient designs, such as better insulation and modern HVAC systems. This means you’ll benefit from lower utility bills and a smaller carbon footprint.

Why It Matters: Saving money on monthly bills means more room in your budget for other priorities, like decorating or a rainy-day fund.

3️⃣ Customization Opportunities
Being the first to live in your home often means you can customize aspects like flooring, countertops, and paint colors to fit your personal style. This personalization makes the house truly yours from the get-go.

💡 Pro Tip: Work with your builder to select finishes and layouts that will both suit your lifestyle now and attract future buyers down the line.

4️⃣ No Bidding Wars
With new construction, what you see (and choose) is what you get, typically bypassing the stress of competitive bidding—a common downsides in the resale market.

Strategy: Research new developments for incentives like closing cost assistance or introductory pricing.

5️⃣ Modern Amenities and Communities
Many new-home developments come with amenities like parks, pools, or community centers. This enhances quality of life and offers a ready-made social environment to explore.

Why It Matters: Starting your home journey in a community with built-in amenities can help ease the transition and provide a sense of belonging.

The journey to homeownership can be daunting, but new construction homes offer expected benefits and reduce the unknowns. Ready to explore your options in Las Vegas? Let’s chat! Drop a comment or message me to start your journey homeward. 🏡✨

06/13/2025

Feeling overwhelmed by the idea of getting a mortgage pre-approval? Don’t worry, first-timers! Here’s a simple step-by-step guide to help you breeze through the process. 🏡💪

1️⃣ Understand the Basics
Pre-approval helps you know what budget you’re working with, making your home search more focused and efficient. Plus, sellers see pre-approved buyers as serious contenders, giving you a competitive edge.

Why It Matters: Knowing your budget keeps you grounded and focused on homes that fit your financial picture, saving you time and disappointment.

2️⃣ Gather Your Documents
Say goodbye to last-minute scrambling. You’ll need:
📄 Proof of Income (Pay stubs, W-2s)
🏦 Bank Statements
📊 Credit Report
🧾 ID and Social Security Number

Action Plan: Create a checklist and gather all necessary documents ahead of time. This prep makes the process feel less daunting and more manageable.

3️⃣ Check Your Credit Score
A healthy credit score opens the door to better rates and loan options. Check your score early and address any issues, like unpaid debts or inaccuracies.

Pro Tip: Free online tools can help you monitor and improve your credit score before you apply.

4️⃣ Choose the Right Lender
Not all lenders are created equal. Shop around for one that offers the best terms and rates for your situation. Don’t hesitate to ask questions—knowledge is power!

Why It Matters: The right lender fits your financial needs and simplifies the buying process, making your homeownership dream more affordable.

5️⃣ Apply for Pre-Approval
Once everything’s in place, complete your application. Your real estate agent can connect you with trusted lenders, guiding you step-by-step.

Benefit: Pre-approval empowers you with a clear budget and faster decision-making when you find the perfect home.

6️⃣ Stay Responsive and Informed
The pre-approval process usually takes a few days. Stay in touch with your lender and agent, ensuring a smooth and quick turnaround.

The Bottom Line
Getting pre-approved is about preparation and teamwork. With a real estate agent by your side, this process can be straightforward and stress-free.

Ready to take the next step toward your first home? Comment below or send a message to start your journey today. 📩✨

06/11/2025

Buying your first home in Las Vegas is an exciting journey 🎉, but understanding the unexpected costs can save you from surprises down the road. Let’s get into the nitty-gritty of homeownership costs to help you plan better:

1️⃣ 💸 Closing Costs:
Beyond your down payment, expect closing costs ranging from 2% to 5% of the loan amount. This covers fees for appraisals, inspections, and title insurance.

Why It Matters: Planning for these expenses ensures a smooth closing without financial stress, letting you focus on more exciting things—like decorating your new space!

Tip: Ask your lender for a Good Faith Estimate to see these costs upfront and plan accordingly.

2️⃣ 🌿 HOA Fees:
Many Las Vegas neighborhoods, especially those with community amenities like pools or parks, have monthly Homeowners Association (HOA) fees.

Why It Matters: These fees contribute to maintaining the community’s appearance and value, so picking the right balance between fees and amenities is key.

Example: Communities with higher fees might offer extras like clubhouses and security, adding convenience to your lifestyle.

3️⃣ 🛠️ Maintenance and Repairs:
Even with a brand new home, expect ongoing maintenance costs. Budget around 1% of your home’s value each year for repairs and upkeep—think leaky faucets or lawn care.

Why It Matters: Keeping up with maintenance preserves your home’s value and prevents costly issues later, ensuring your investment grows over time.

Pro Tip: Consider setting up a home maintenance fund to cover unexpected repairs without worry.

4️⃣ 📜 Property Taxes:
In Las Vegas, property taxes are part of homeownership. These can fluctuate based on local assessments but typically range around 0.53% of your home’s value annually.

Why It Matters: Understanding property taxes helps you anticipate annual costs and adjust your budget without any surprises.

5️⃣ 🔌 Utilities and Insurance:
Don’t forget about utilities like water, gas, and electricity, as well as homeowners insurance. These can vary greatly, so it’s wise to research costs in your desired area.

Why It Matters: Knowing these costs ensures you’re fully prepared for monthly expenses, helping you enjoy your new home without financial worry.

Practical Benefit: Being prepared for these costs means you can focus on making your home truly yours, perhaps tackling that kitchen upgrade or planning a cozy backyard retreat! 🌞

Thinking of making a move? Let’s connect! I’m here to guide you through each step so you feel confident and prepared in your first home purchase journey. Drop a comment or message me for a one-on-one chat about your home-buying goals! 🏡✨

06/09/2025

🏡 Curious about mortgages? They’re the key to turning your dream of owning a home into reality! Here’s a simple breakdown for first-time buyers ready to dive into Las Vegas real estate:

1️⃣ What’s a Mortgage?
Think of a mortgage as a special loan designed just for buying a home. It’s like a bridge that helps you move from dreaming about a house to actually owning it. Instead of paying the entire price upfront, you just pay a small part called a down payment. The mortgage covers the rest, making everything more affordable.

🤔 Why It Matters: Without a mortgage, buying a home may feel out of reach. This financial tool spreads the cost over time, making home ownership manageable for first-time buyers.

2️⃣ Breaking Down the Basics
🔹 Loan Term: Typically, mortgages are set up for 15, 20, or 30 years, giving you flexibility in how you want to pay it back.
🔹 Interest Rate: This is the percentage you pay the lender for borrowing the money. Lower rates mean lower monthly payments!
🔹 Fixed vs. Adjustable Rates: With a fixed-rate, your interest stays the same; adjustable-rates can change with the market. Your real estate agent can help you decide which fits your needs best.

😊 Emotional Perk: Having a fixed monthly payment brings peace of mind, knowing exactly what to expect each month—no surprises here!

3️⃣ Steps to Getting a Mortgage
A skilled agent will help you:

📄 Get Pre-approved: Before shopping, lenders review your financial info to give you a pre-approval letter. This shows sellers you’re serious and can afford a home.
✨ Pro Tip: Pre-approval strengthens your offer, especially in competitive markets like Las Vegas.
📝 Choose the Right Mortgage: Your agent will connect you with lenders, explaining options so you’ll end up with the right loan for your budget and goals.

✔️ Real-Life Relief: Imagine finding the perfect Las Vegas home, knowing exactly what you can afford, and making a confident offer that stands out to sellers.

4️⃣ Mortgage Benefits
Besides helping you purchase a home, mortgages offer benefits like:

🔹 Tax Deductions: Mortgage interest may be deductible on your taxes.
🔹 Building Equity: Every payment increases your ownership stake, eventually leading to full ownership.
🔹 Potential Investment: Your home could appreciate over time, adding to your financial portfolio.

🌟 Your Path Forward
Understanding mortgages is just the first step in your home-buying journey. With expert guidance from a real estate agent, you can navigate these terms confidently and secure a home that fits your lifestyle and budget.

Ready to explore your options? Let’s make your dream home a reality. Comment or message me to get started on your personalized home-buying plan!

Simmons Home Group - Realty One Group - NV Lic # S.0169929

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