Table of CONTENTS
WELCOME LETTER
HOME BUYING PROCESS
FIND AN AGENT
FINANCES
PRE-APPROVAL
HOME SEARCH
MAKE AN OFFER
HOME INSPECTION & APPRAISAL
FINAL STEPS
CLOSING DAY
FREQUENTLY ASKED QUESTIONS
MEET YOUR AGENT
Helping you to find your dream home!
I’m Jessica Ramos, a proud Las Vegas native with over 30 years of connection to this incredible city. I’m passionate about helping clients achieve what they once thought wasn’t possible—whether that’s purchasing their first home or building long-term wealth through real estate.With a background in accounting and a bilingual approach in English and Spanish, I guide my clients with clarity, confidence, and strategy every step of the way. My goal is to make the process simple, transparent, and tailored to your unique needs.When you work with me, you’re not just getting one agent—you’re gaining the support of a dedicated team with decades of combined experience and over 150 transactions closed annually. From pre-approval to closing, we’re here to make your homebuying experience smooth and successful.
REALTOR®
(702) 339-4396
Jessysellslasvegas@gmail.com
Licensing: S.0200304
CUSTOMER SERVICE
I prioritize clear communication, quick responses, and a hands-on approach to ensure you feel confident and supported from start to finish.
MARKET KNOWLEDGE
With a deep understanding of local trends, pricing, and neighborhoods, I help you navigate the market and make informed decisions every step of the way.
SMART NEGOTIATION
I advocate for your best interests by using strategic, thoughtful negotiation tactics to help you secure the best possible outcome with confidence.
1
compra de vivienda PROCESO DE
ENCUENTRA UN AGENTE
Entrevista a algunos agentes locales con experiencia. Ellos actuarán como tus defensores durante todo el proceso de compra de vivienda. Elige a alguien familiarizado con el mercado inmobiliario y las comunidades.
PREAPROBACIÓN
2
3
4
5
6
Decide qué tipo de préstamo es mejor para ti y para cuál calificas. Obtén una preaprobación para una hipoteca. La preaprobación les demuestra a los vendedores y agentes que eres un comprador serio que puede obtener financiamiento.
ENCUENTRA
TU HOGAR
Te ayudaré a buscar casas dentro de tu presupuesto. Busca vecindarios con precios en tu rango, acceso a amenidades que se adapten a tu estilo de vida.
HAZ UNA OFERTA
Te ayudaré a decidir cuánto ofrecer por la casa. Tu agente presentará la oferta al agente del vendedor, el vendedor podrá aceptar tu oferta o hacer una contraoferta.
INSPECCIÓN Y AVALUO DE LA VIVIENDA
Coordina con un profesional con licencia para identificar posibles problemas con la propiedad. Tu prestamista obtendrá un avalúo para determinar su valor y finalizar el monto del préstamo.
CIERRE
Tres días hábiles antes del cierre, tu prestamista debe proporcionarte tu Divulgación de Cierre. Luego revisa y firma la documentación necesaria, y paga los costos de cierre.
FIND AN AGENT
BUYER’S AGENT RESPONSIBILITIES
Help buyers understand the local housing market
Analyze buyer’s wants and needs
Make appointments to tour homes
Help buyers evaluate the price and value of a home
Explain the buying process and closing disclosure
Recommend trusted home inspectors
Coordinating the work of other professionals
Negotiate with the selling agent and other parties
Double-checking paperwork and deadlines
Why choose me?
EXPERIENCE
With years of real estate experience under my belt, I bring seasoned insight to every transaction, helping you make informed decisions with confidence.
LOCAL KNOWLEDGE
I know this market inside and out. From neighborhood trends to school zones and commute times, I provide the local insight you need.
RELEVANT CERTIFICATIONS
I stay up to date with the latest certifications and training to ensure you receive expert guidance that meets current industry standards.
AVAILABILITY & COMMITMENT
I are here for you, day or night. Our team is dedicated to making your home buying journey smooth, successful, and stress-free.
FINANCES
Time to talk to your lenders
It’s recommended to talk to a lender and get pre-approved before beginning your home search. During the mortgage preapproval process, lenders will look at your income, assets and credit score. This information determines what loans you could be approved for, how much you can borrow and what your interest rate might be.
QUESTIONS TO ASK WHEN CHOOSING A MORTGAGE LENDER
Which type of mortgage is best for me?
How much down payment will I need?
What interest rate can you offer?
How long will it take to close the loan?
Any charges for prepaying this loan? What other costs will I pay at closing? Do you charge for an interest rate lock? Do I qualify for any special discounts?
Rental history DOCUMENTS FOR
Personal identification
Tax returns
Pay Stubs, W-2
Other income sources
Bank statements
Credit history and score
Income verification
PRE-APPROVAL
& downpayment
PREQUALIFIED VS PREAPPROVED
With prequalification, lenders pull your credit and ask questions about your income and assets to estimate what you can afford. A prequalification that involves checking your credit score can be more accurate than a standard prequalification that doesn’t include this step.
After you’ve been prequalified, getting preapproved is the next step. You’ll need to speak to a home loan expert and provide documentation to verify your income and assets. Lenders will provide a conditional commitment in writing for an exact loan amount. Real estate agents typically want to see your preapproval letter before they show you houses. This ensures they don’t waste time showing you homes outside your budget.
HOW MUCH SHOULD YOUR DOWNPAYMENT BE?
The ideal down payment depends on your loan type, financial situation, and long-term goals. While 20% is often cited as the standard, many buyers qualify with as little as 3–5% down. Keep in mind, a larger down payment can lower your monthly payments and may help you avoid private mortgage insurance (PMI). Speak with your lender to find the right balance between affordability and financial security.
THINGS TO AVOID AFTER APPLYING FOR A MORTGAGE
Consistency is the name of the game . After applying fora mortgage. Be sure to discuss any changes in income, assets, or credit with your lender, so you don’t jeopardize your application.
Don’t change bank accounts. close any credit accounts. loans for anyone.
Don’t deposit cash into your accounts before speaking with your bank or lender. large purchases.
The best plan is to fully disclose and discuss your intentions with your lender before you do anything financial in nature.
UTILITIES & OTHER IMPORTANT CONTACTS
POWER
Las Vegas, Henderson, N. Las Vegas
NV ENERGY
6226 W. Sahara Ave. Las Vegas, NV 89146
www.nvenergy.com
702-402-5555
Boulder City
CITY OF BOULDER CITY
702-293-9244
GAS
Las Vegas, Henderson, N. Las Vegas, Boulder City
SOUTHWEST GAS CORPORATION
www.southwestgas.com
702-365-1555
877-860-6020
GARBAGE
Las Vegas, Henderson, N. Las Vegas
REPUBLIC SERVICES OF SOUTHERN NEVADA DISPOSAL SERVICE
www.cleanwaterteam.com
702-735-5151
Boulder City
BOULDER CITY DISPOSAL
702-293-2276
CABLE/SATELLITE
Las Vegas, Henderson, N. Las Vegas, Boulder City
COX COMMUNICATIONS
702-383-4000
DIRECTV®
800-531-5000
CENTURY LINK
877-837-5738
SEWER
Las Vegas
CITY OF LAS VEGAS
www.ci.las-vegas.nv.us
702-229-6281
702-458-1180
CLARK COUNTY SANITATION
800-782-2487
REPUBLIC SERVICES OF SOUTHERN NEVADA
702-735-5151
Henderson
CITY OF HENDERSON UTILITY SERVICES DIVISION
702-267-5900
N. Las Vegas
CITY OF N. LAS VEGAS
www.cityofnorthlasvegas.com
702-633-1484
Boulder City
CITY OF BOULDER CITY
702-293-9244
WATER
Las Vegas
L.V. VALLEY WATER DISTRICT www.lvvwd.com
702-870-4194
800-252-2011
Henderson
HENDERSON UTILITY SERVICES
702-267-5900
N. Las Vegas
CITY OF N. LAS VEGAS
702-633-1484
UTILITIES & OTHER IMPORTANT CONTACTS
CLARK COUNTY GOVERNMENT CENTER
Main Information: 702-455-4011
CHAMBER OF COMMERCE
Las Vegas
www.lvchamber.com
702-735-1616
N. Las Vegas
www.nlvchamber.com
702-642-9595
Henderson
www.hendersonchamber.com
702-565-8951
Boulder City
www.bouldercitychamber.com
702-293-2034
DEPARTMENT OF MOTOR VEHICLES
www.dmvnv.com
Information Line: 702-486-4368 Toll Free: 877-368-7828
Offices
8250 W. Flamingo (near Durango) 2701 E. Sahara (at McLeod) 4021 W. Carey (at Rancho) 1399 American Pacific (at Stephanie) 7170 N. Decatur (at Elkhorn)
EDUCATION
CLARK COUNTY SCHOOL DISTRICT
www.ccsd.net
702-799-7573
COMMUNITY COLLEGE OF S. NV
www.csn.edu
702-651-4000
UNLV
www.unlv.edu
702-895-3011
NEVADA STATE COLLEGE www.nsc.edu
702-992-2000
NEWSPAPER
LAS VEGAS REVIEW JOURNAL/SUN
702-383-0400
POLICE
Police Emergency: 911
Non-Emergency: Las Vegas: 702-229-3111
North Las Vegas: 702-633-9111
Henderson: 702-565-8933
Boulder City: 702-293-9224
Crime Stoppers: 702-385-5555
U.S. POSTAL INFORMATION
General Information www.usps.com 800-275-8777
VOTER REGISTRATION
CLARK COUNTY ELECTION OFFICE
702-455-8683
www.nvsos.gov
CREATE A MUST-HAVE LIST
Before you begin your search, take the time to ask yourself key questions that will uncover your real estate preferences.
Pinpoint the big picture items you can't budge on. Next, make a list of features your dream house would ideally have.
PERSONAL PREFERENCE
What is important to you in a new home? (Light, space, views, wheelchair accessibility, distance to work, school zone, etc)
What property type are you looking for? (Condo, townhouse, a singlefamily or a multi-family home?)
What neighborhoods are you considering?
Do you want a turnkey home or are you willing to renovate? How long do I plan to stay in my new home?
HOME SEARCH
MAKE AN OFFER
Presenting a strong offer
Your real estate agent can help you make an offer on a home. Here are some things to consider for the final price:
How long the home has been listed
Comparable homes in the area
Necessary repairs and renovations
Make sure you can live comfortably with the monthly mortgage payment
Market consideration: compare the most recent sales in the area
NEGOTIATION
The most obvious thing to negotiate is the price of the home. You also can ask the seller to pay some of your closing costs or to make repairs that come up during the home inspection. If you like some of the furnitures in the home, you also can ask the seller to include them in the sale.
Strong negotiations come from being wellinformed and prepared. I will review the inspection report together and decide what’s reasonable to request. If the home is in high demand, I will help you stay competitive without overextending your budget.
MAKE AN OFFER
How to Bid on a House with Multiple Offers
MULTIPLE OFFER SITUATIONS
You may have found your dream home only to be outbid by another buyer. In this post, I will provide a detailed guide on how to bid and win on a house with multiple offers. Here are some steps you can take to make your offer stands out:
Present an offer with no contingencies
Offer a larger down payment and earnest money deposit
Waive the appraisal contingency
Present an all-cash offer
Include a Purchase Price Escalation Addendum
Position yourself as flexible
Write a personal letter to the seller
Assure the seller you won’t ask for repairs
In a competitive market, timing and presentation are everything. Work closely with your real estate agent to understand what matters most to the seller. Submitting a clean, compelling offer shows you’re serious and ready to move forward. Stay flexible, stay informed, and remember— sometimes the strongest offer isn’t just about the highest price, but the one with the least friction.
Home INSPECTION
You should choose the home inspector and pay for the home inspection. If it uncovers problems that weren't included in the seller's disclosures, you may be able to negotiate with the seller.
A home inspection costs around $400 to $1000, depending on factors like the home's location, condition, and age. Parts of the home that are commonly included in a home inspection:
Floors, walls, ceilings, stairs, roof
Siding, attached decks, porches
Plumbing, insulation
Heating and air conditioning
Major appliances
Electrical system
Fireplaces and wood stoves
Windows and doors
APPRAISAL
Your lender will choose the appraiser, but you'll pay for the appraisal. Appraisals determine the value of the property. If you're using a mortgage to buy your new home, your lender will order an appraisal to make sure the home is worth the money that it's loaning you.
final stepsBEFORE CLOSING
INSURANCE REQUIREMENT
Most lenders require buyers to have homeowners insurance. An insurance agent can help you learn more about the minimum amount of insurance you need for the value of the home you’re buying and to meet the lender’s requirements. You may also need to purchase flood or fire insurance for your new home, depending on the location.
CLOSING DISCLOSURE
You should receive the Closing Disclosure from your lender at least 3 days before closing. Pay attention to items such as the loan terms and costs, and make sure they match what you agreed to in the loan estimate. The Closing Disclosure will also outline buyer and seller costs; make sure this matches your purchase offer. If you have any questions, talk to your lender as soon as possible before closing day.
FINAL WALKTHROUGH
Work with your Realtor to schedule a final walk-through of the home to ensure everything is as you expect. If you find problems — such as repairs not completed, or items missing that should have been included. Find out how the seller plans to correct the problems or if they will give you a closing cost credit to make up for the problems.
CLOSING DAY
Congratulations! You make it to closing!
WHAT TO BRING TO CLOSING?
Cashier’s check (or wire transfer)
Proof of homeowners insurance
Government-issued ID such as a driver's license, state-issued ID or passport
Any documentation requested by the bank
The closing disclosure
WHAT TO EXPECT
On the closing date, you’ll meet at the title company to sign a settlement statement listing all costs related to the home sale. This is when you pay your down payment and closing costs. You’ll also sign the mortgage note, which states that you promise to repay the loan. Finally, you’ll sign the mortgage or deed of trust to secure the mortgage note. Once all the legal documents are signed and payments are made, you’ll receive the keys to your new property.
Take your time reviewing the documents, and don’t hesitate to ask questions if something is unclear. Your agent and closing team are there to support you. Once everything is signed and submitted, you’ll walk away with more than just a set of keys—you’ll walk into a brand new chapter of homeownership. Congratulations!
QuestionsFREQUENTLY ASKED
HOW LONG DOES THE SELLER HAVE TO RESPOND TO MY OFFER?
Typically, a seller has 24 to 72 hours to respond, but the timeframe can vary depending on local market norms and how your offer is structured. Your agent can set an expiration date to keep things moving.
HOW MUCH DO I HAVE TO PAY A REALTOR AS A HOME BUYER?
In most cases, home buyers don’t directly pay their agent’s commission. The seller typically covers this cost as part of the transaction. It’s a win-win—expert representation at no cost to you.
HOW MANY HOMES SHOULD I SEE BEFORE MAKING AN OFFER?
There’s no magic number, but most buyers tour between 5 to 10 homes before deciding. Focus on quality over quantity—once you find one that checks your key boxes, trust your instincts.
FIXED RATE VS ADJUSTABLE-RATE MORTGAGE: WHICH IS BETTER?
A fixed-rate mortgage locks in your interest rate, giving you predictable monthly payments. An adjustable-rate mortgage often starts lower but can fluctuate over time. The right choice depends on how long you plan to stay in the home and your risk tolerance.
WHAT KIND OF CREDIT SCORE DO I NEED TO BUY A HOME?
While requirements vary by loan type, a score of 620 or higher is generally needed for conventional loans. FHA loans may accept scores as low as 580. A higher score can help you secure better rates and terms.
WHAT’S YOUR BEST ADVICE FOR A FIRST-TIME HOMEBUYER?
Get pre-approved, ask questions, and lean on your agent for support. Stay focused on your must-haves and budget, and don’t rush—your perfect home is out there, and preparation is key to finding it.
QuestionsFREQUENTLY ASKED
ARE THERE ANY USEFUL PROGRAMS TO HELP ME AS A HOME BUYER?
Yes, there are several programs designed to assist first-time and qualifying homebuyers. These include down payment assistance, closing cost grants, tax credits, and special loan programs like FHA, VA, and USDA loans. Your lender or agent can help identify which options you may qualify for based on your income, credit, and location.
HOW DO I KNOW IF THE PROPERTY IS A GOOD DEAL?
Start by comparing similar properties recently sold in the area. Look at price per square foot, upgrades, condition, and neighborhood features. Also, factor in the property’s potential for appreciation and any needed repairs. Your real estate agent can run a comparative market analysis (CMA) to help you make an informed decision.
WHEN CAN I BACK OUT IF I CHANGE MY MIND?
You can typically back out during the contingency period without penalty. Common contingencies include financing, inspection, and appraisal. If you cancel outside those timeframes, you may risk losing your earnest money deposit. Always consult your agent before making any final decisions—they’ll help you understand your contract terms.
THANK YOU
SCHEDULE A CALL WITH ME TODAY!
I appreciate the opportunity to guide you through your home buying or selling journey. Whether you're just getting started or ready to take the next step, I am here to answer your questions, provide expert advice, and ensure a smooth, successful experience from start to finish.
Let’s connect and create a plan that aligns with your goals, timeline, and lifestyle. Your dream home—or ideal buyer—is closer than you think.