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    • Free trial / Finance / Insurance
    • 2026/01/25 (Sun)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Real Estate Online Seminar

    Las Vegas Emigration Seminar （ Online ）

    Fri 2/13
    Las Vegas Time 5:00 PM
    NY Time 8:00 PM

    Japan Time Sat 2/14 10:00 AM

    Move to Las Vegas ！
    What kind of city is Las Vegas as a place to live ？

    Las Vegas is not only a tourist attraction.
    Why is it actually chosen as a "city to live" ？

    Recommended for those who are considering immigrating or
    considering US real estate in the future.

    ・ Good Points about Las Vegas ・ Bad Points
    ・ What Areas and Homes
    ・ Other States ・ Real Estate Buying Process when Emigrating from Overseas
    ・ Investment purposes ・ Home use, explained from each perspective

    To apply, click on the QR Code below.

    • Useful info / Finance / Insurance
    • 2026/01/18 (Sun)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Why 5%-10% instead of 20% down payment is advantageous ？.

    Do you think you need a 20% down payment to buy a house ？
    but that's an old way of thinking, and in fact can cost you in the long run.
    Let me use a real-life example to illustrate. The property price is $800,000.
    A 20% down payment would be $160,000.

    [Scenario 1 ： 5% down payment]
    Down payment ： $40,000
    Estimated closing costs ： $18,000-$25,000
    Total cash required ： $60,000-$65,000
    Estimated Monthly PMI ： $300-400 per month
    Total PMI over 5 years ： $18,000-$24,000

    [Scenario 2 ： 10% down payment]
    Down payment ： $80,000
    Closing costs ： $18,000 to $25,000
    Total cash required ： $100,000 to $110,000
    Monthly PMI ： $200 to $250
    Total PMI for 5 years ： $12,000 to $15,000

    This is the most important point.
    You will pay PMI for several years, but
    you can leave $80,000 to $120,000 more on hand.

    Of course, the lower your down payment, the
    slightly higher your monthly payment may be.
    But compare that to giving up $80,000 to $120,000 on day one.
    PMI automatically comes off when the equity in the owner-occupied home reaches 20%.

    But once you have paid the down payment, you will not get it back.
    It can be used for emergency funds, renovations, investments,
    or household stability.
    Borrowing ratios （ DTI ） as long as the DTI allows,
    you don't have to fear PMI if your down payment is less than 20%.

    📧 Contact us ・ Contact ： LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    ｜ ✉ ️ Lisa@ LisaFinancialServices.com
    ｜ 🌐 lisafinancialservices.com
    （ NMLS #1611181 ）

    • Useful info / Finance / Insurance
    • 2026/01/15 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Buying your first home with a Roth IRA （ Roth IRA ）?

    Roth IRAs are divided into two main categories.
    "Contributions （ Contributions ）" and "Investment Income （ Earnings ）".

    Contributions are the portion of the money you put into your account after you have already paid your taxes. This contribution is always yours. You can withdraw it at any time, for any reason, and there is no tax or 10% early withdrawal penalty.

    For example, if you have contributed a total of $30,000 so far and your current account balance is $40,000, you are free to withdraw that original $30,000.

    Investment income, on the other hand, is treated differently. Normally, withdrawals of investment income under age 59½ are subject to income tax and a 10% early withdrawal penalty.

    However, there is a special exception for first-time homebuyers.

    The IRS （ U.S. tax authorities ） allow first-time homebuyers to withdraw up to $10,000 from their Roth IRA investment income without a 10% penalty. In addition, if it has been at least five years since the Roth IRA account was opened, the investment income may be tax-free.

    This flexibility is why Roth IRAs are considered more advantageous for first-time homebuyers than Traditional IRAs （ Traditional IRAs ）.

    However, a Roth IRA is only a retirement account. It can be a viable option for major life milestones such as purchasing a home, but it should not be used without planning.

    If you are considering buying your first home and want to use your money more wisely, this rule is something you should know.
    We have a YouTube and Instagram page where we share not only mortgages, real estate, but financial tips as well. We have a lot of useful information.

    https://www.youtube.com/@LisaFinancialServices

    https://www.instagram.com/lisafinancialservices/

    📧 Contact Us ・ Contact Us ： LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    ｜ ✉ ️ Lisa@ LisaFinancialServices.com
    ｜ 🌐 lisafinancialservices.com
    （ NMLS #1611181 ）

    • Useful info / Finance / Insurance
    • 2026/01/15 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Buying your first home with a Roth IRA （ Roth IRA ）?

    Roth IRAs are divided into two main categories.
    "Contributions （ Contributions ）" and "Investment Income （ Earnings ）".

    Contributions are the portion of the money you put into your account after you have already paid your taxes. This contribution is always yours. You can withdraw it at any time, for any reason, and there is no tax or 10% early withdrawal penalty.

    For example, if you have contributed a total of $30,000 so far and your current account balance is $40,000, you are free to withdraw that original $30,000.

    Investment income, on the other hand, is treated differently. Normally, withdrawals of investment income under age 59½ are subject to income tax and a 10% early withdrawal penalty.

    However, there is a special exception for first-time homebuyers.

    The IRS （ U.S. tax authorities ） allow first-time homebuyers to withdraw up to $10,000 from their Roth IRA investment income without a 10% penalty. In addition, if it has been at least five years since the Roth IRA account was opened, the investment income may be tax-free.

    This flexibility is why Roth IRAs are considered more advantageous for first-time homebuyers than Traditional IRAs （ Traditional IRAs ）.

    However, a Roth IRA is only a retirement account. It can be a viable option for major life milestones such as purchasing a home, but it should not be used without planning.

    If you are considering buying your first home and want to use your money more wisely, this rule is something you should know.
    We have a YouTube and Instagram page where we share not only mortgages, real estate, but financial tips as well. We have a lot of useful information.

    https://www.youtube.com/@LisaFinancialServices

    https://www.instagram.com/lisafinancialservices/

    📧 Contact Us ・ Contact Us ： LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    ｜ ✉ ️ Lisa@ LisaFinancialServices.com
    ｜ 🌐 lisafinancialservices.com
    （ NMLS #1611181 ）

    • Useful info / Finance / Insurance
    • 2025/12/29 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Why 5%-10% instead of 20% down payment is advantageous ？.

    Do you think you need a 20% down payment to buy a house ？
    but that's an old way of thinking, and in fact can cost you in the long run.
    Let me use a real-life example to illustrate. The property price is $800,000.
    A 20% down payment would be $160,000.

    [Scenario 1 ： 5% down payment]
    Down payment ： $40,000
    Estimated closing costs ： $18,000-$25,000
    Total cash required ： $60,000-$65,000
    Estimated Monthly PMI ： $300-400 per month
    Total PMI over 5 years ： $18,000-$24,000

    [Scenario 2 ： 10% down payment]
    Down payment ： $80,000
    Closing costs ： $18,000 to $25,000
    Total cash required ： $100,000 to $110,000
    Monthly PMI ： $200 to $250
    Total PMI for 5 years ： $12,000 to $15,000

    This is the most important point.
    You will pay PMI for several years, but
    you can leave $80,000 to $120,000 more on hand.

    Of course, the lower your down payment, the
    slightly higher your monthly payment may be.
    But compare that to giving up $80,000 to $120,000 on day one.
    PMI automatically comes off when the equity in the owner-occupied home reaches 20%.

    But once you have paid the down payment, you will not get it back.
    It can be used for emergency funds, renovations, investments,
    or household stability.
    Borrowing ratios （ DTI ） as long as the DTI allows,
    you don't have to fear PMI if your down payment is less than 20%.

    📧 Contact us ・ Contact ： LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    ｜ ✉ ️ Lisa@ LisaFinancialServices.com
    ｜ 🌐 lisafinancialservices.com
    （ NMLS #1611181 ）

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