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buying: How Changing Jobs Can Affect Your Home Buying - 09/08/11 12:32 PM
For most people, changing employers will not really affect your ability to qualify for a mortgage loan. However, for some home buyers the effects of changing jobs can be disastrous to your loan application.
We were reminded of this a few weeks ago when we worked with a gentleman who just relocated to Las Cruces, NM for a new, and better paying job in a new industry. Unfortunately, part of his new income is based on commission.
Commissioned Employees
If a substantial portion of your income is derived from commissions, you should not change jobs before buying a home. This … (2 comments)
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buying: Be Thrifty Not Stubborn - 05/25/11 09:54 AM
While being thrifty always saves you money, being stubborn could end up costing you hundreds, if not thousands of dollars. Here's how, and where:
Trying to time the marketI've mentioned this one before but it bears repeating: Las Cruces home buyers, get OFF the sidelines! Don't be too fixated on price. Prospective Las Cruces buyers need to remember that home prices are just one factor in how much a home will cost per month. The other consideration is mortgage rates, and they're on the rise, potentially counteracting any savings on the other end.
Not researching loan options Las Cruces borrowers, get … (2 comments)
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buying: Tips for Choosing Your Realtor - 05/12/11 08:48 PM
When you decide to buy or sell your home in Las Cruces you should go through a thorough process choosing the right Realtor for you.
You can ask your friends or relatives which Las Cruces Realtor they worked with to get started, but do some homework on your own to come up with good questions to ask them and to help you look for warning signs when you reach out to them. If you don't have any referrals you will probably meet agents by answering advertisements, calling the phone numbers on lawn signs, and visiting open houses. You will see advertising … (3 comments)
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buying: Make Your Neighborhood Safe and Meet the Neighbors - 01/24/11 10:06 AM
Starting a Neighborhood Watch
One of the best ways to get to know your neighbors when you move into a community is to learn about the different neighborhood organizations that exist. If a Neighborhood watch program isn't in place, it's an easy way to take initiative and get to know your neighbors.
Plus, neighborhood watch programs increase security and build a sense of community in your neighborhood.
Here are some tips to create a neighborhood watch program:
Get your neighbors involved
You may get a lot of resistance when you recruit your neighbors into the program. Use facts to support … (0 comments)
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buying: Tips for Making an Offer - 01/05/11 10:05 AM
This blog continues the series on the topic of first time home buyers.
If you have gone through the entire process that we laid out for you then you should be prepared to purchase your first home. The home search may take a little time so don't rush it if you don't have to (use our one-of-a-kind real estate search on our website, it's the best in town). Our most recent blog examined the importance of neighborhoods. Once you have found the right home, it's time to submit your offer.
This blog takes a closer look at submitting an offer.
1. … (0 comments)
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buying: We Still Need Experts - 12/30/10 03:49 PM
I absolutely love the Internet.
Last month I was looking for a birthday present for a family member. I decided to buy a portable stereo so they can easily take it with them through the house while cleaning or doing other things. I spent an hour or so online learning the differences between my options, and then I went to the store to buy it.
When I got there, I was ready. I didn't need any help, but the sales person insisted that I look at a specific stereo. I didn't even consider the idea of a stereo with wireless speakers. Wireless … (2 comments)
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buying: Maybe You Should Just Refinance - 12/23/10 10:47 AM
It may seem counter-productive for me to suggest that refinancing may be a better decision for you, but the truth is I only want you to buy real estate in Las Cruces if it's the right thing to do. The truth also is that I recommend buying real estate in Las Cruces right now if you fall into that category. We may never see a buyers market like this again.
However, for those of you considering refinancing, here are 6 things to consider.
1. Credit score and incomeMost banks require you have a credit score of at least 620 to refinance and … (1 comments)
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Evelyn Bruder, CRS, GRI, ABR, E-PRO
Las Cruces,
NM
More about me…
Steinborn & Associates Real Estate
Address: 141 N. Roadrunner Parkway, Suite 141, Las Cruces, NM, 88011
Office Phone: (575) 532-2211
Cell Phone: (575) 650-7224
Email Me
I will provide information about the Las Cruces area Real Estate Market, and in addition, general information on Real Estate related topics. This blog should be a resource for both those already living here, as well as anyone considering relocating or retiring in Las Cruces so I will also add any new and current community Information that I know. This blog's ability to provide day to day information is intended to supplement all of the many Real Estate resources that are to be found on my WEBSTITE: www.HomesForSaleInLasCruces.com I am proud of this Website and I encourage you to visit.
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