homes for sale: The Importance of Home Equity (And How it Helps You Build Wealth) - 06/27/13 05:25 AM
Home Equity is the key to your Net Worth, your Wealth, and your Well-Being. Those of us that aren’t among the top 20% richest people in America have 50 -60% of our Net Worth in our Home’s Equity. So, home equity is REALLY IMPORTANT!
Today we are going to talk about increasing your home equity, and thus your wealth, and well-being. The key is based on you investing money in your Mortgage.
Why should you take money you could spend and pay down the amount you owe on your mortgage?
Your Mortgage becomes forced savings plan. Those savings are earning a … (2 comments)

homes for sale: What is home equity? - 05/29/13 04:53 AM
Today I am going to talk to you about what home owner equity is, why it's important, and the 3 ways you can create equity in your home!
What is Home Equity?
Equity is the difference between the value of a property and what is owed on the mortgage. In terms of sellling, equity is the amount of money a homeowner receives when he sells the property and pays off the mortgage. So if the homeowner wants more money, building equity is a way to go.
You will be astonished about the distribution of wealth in this country and how … (0 comments)

homes for sale: This Week's Buyers Market: Mortgage Interest - 05/15/13 02:04 AM
Welcome to this week's Buyer's Market. If you haven't already, check out our previous blogs in this series!
Last week's blog covered Equity and Force Savings!
This week we will take a look at mortgage interest and how it affects you.
You can deduct interest charged on a your initial home loan or any secondary loans you took to improve your principal residence. In the early years of a loan, most of your monthly payment is interest, so this can really add up. If you are in a 28% federal tax bracket, this can have the effect of lowering your borrowing … (0 comments)

homes for sale: Buyers Market: Equity and Savings - 05/08/13 05:39 AM
Last week we went over Appreciation and the cycles of the Las Cruces Real Estate Market.
Before we get into the meat of this weeks Buyer's Market topic, let's backtrack a bit and add one more bit of food-for-thought to last weeks topic. Warren Buffett appeared live on CNBC's Squawk Box with Beck Quick not too long ago. He started off by saying that along with equities, single-family homes are a very attractive investment right now. In fact he said he would buy "a couple hundred thousand" single family homes if it were practical to do so. Why would he? He … (0 comments)

homes for sale: Buyers Market: Appreciation - 05/01/13 02:38 AM
Last week we started talking about the financial benefits to owning your own home! This week we will take a look at appreciation!
Although Las Cruces real estate moves in cycles, sometimes up, sometimes down, but over the years, Las Cruces real estate has consistently appreciated. This consistent appreciation makes your investment in your home a hedge against inflation.
So how does it compare to other investments?
First is the fact that in the very long term over a period of 20-30 years Real Estate appreciation rates are lower than many other investments (i.e. stocks other equity instruments). They are more … (0 comments)

homes for sale: Buyers Market: Time to own your dream home! - 04/03/13 05:11 AM
Welcome to the first of a seven part series
We will provide the details the current ‘buy vs rent' climate and the reasons why now is the perfect time to own your own home! Learn the advantages of homeowership, all the details of how to find your dream home.
Let's start out by watching this 90 second video** and start our journey off on the right foot.
Now that we are all on the same page let's talk specifics. What does home ownership have to offer your family?
Freedom from nosey and noisy neighbors. In many cases, your own home … (0 comments)

homes for sale: BruderTV Episode 3 - How to Get Your Home Sold - 03/21/13 06:55 AM
If you want to sell your home there needs to be a written listing plan. This detailed plan should include: Pricing, Staging, and Marketing your home – especially substantial exposure online!
The first price you set is the most important as it position’s your home as the best value among its competition.
Equally important is properly staging your home to outshine the competition. It is a fact that staged homes sell faster and for more money.
There must be marketing plan should include a comprehensive online marketing program that includes email, social media, blogging, and syndication.
You should be sure that … (1 comments)

homes for sale: 3 More Ways to Make Your First Time Home Buying Experience a Success - 03/13/13 02:23 AM
We think every first time home buyer could use this information to make sure they succeed in buying a home. However, not every first time home buyer is the same so if these steps aren't for you, visit our first time home buying websitefor more information.  
1. Keep detailed records for your spending
Keep track of every single purchase you make. Then take this list and create general categories like food, transportation, rent and utilities, etc. Once you have this list you can find ways to improve and ways to save, and the more you save, the sooner you'll be able … (0 comments)

homes for sale: 10 Alternatives to Foreclosure - 02/21/13 02:22 AM
Today we want to pick up the conversation with some alternatives to foreclosure. This list is just part of our overall Foreclosure Resources that are available for free on our website. 
Other Alternatives to Foreclosure
Short Sale
If you owe more on your property than it is currently worth, by negotiation with your lender you can sell the property for a price less than you owe and consider this as satisfying your debt. This a common solution.The Short Sale Process
Government Home Owner Assistance Programs
The rising number of foreclosures in this country is simply too big to ignore. That is … (57 comments)

homes for sale: 7 Tax Breaks for Home Owners - 02/14/13 01:53 AM
April 15th is sneaking up on us day by day. That means it’s time to start gathering your tax documents now!
Just remember that being a homeowner qualifies you for certain tax breaks. You will need to itemize your taxes to be able to grab these deductions and take advantages of them. This means you’ll need to take some extra time with your taxes but it will be worth it in the end.
Let’s take a look at some of the tax breaks we’re talking about:
Mortgage interest paid at settlement Let’s take a closer look at your closing statement. An … (5 comments)

homes for sale: December Home Prices Rise the Most in Six Years - 02/06/13 02:22 AM
The U.S. is started off the new year with good news from CoreLogic! Home values are on the rise thanks to 8.3% year-over-year increase in home prices last December!
CoreLogic explains that December homes prices have grown the most annually since May of 2006, six years ago!
From November, home prices, including distressed property sales, declined ever so slightly by 0.4%. However, when you exlude those distressed properties, home prices have risen 7.5% over December 2011!
According to Mark Fleming, chief economist for CoreLogic, “December marked 10 consecutive months of year-over-year home price improvements, and the strongest growth since the height … (2 comments)

homes for sale: We really want to know! - 02/04/13 05:00 AM
We Really Want To Know...
...What do YOU want?
What are you looking for online?
What content should a Real Estate Professional provide you?
What would you like to see here?
Comment below or on our page!


homes for sale: 7 Quick and Easy Ways to Clean Your Bathroom - 01/31/13 02:00 AM

Photo Credit: NickNguyen/Creative Commons
Every once in a while we all find ourselves in a situation when we need to quickly clean the bathroom! Last minute guests that need a place to stay? You’re such a nice person for letting them stay at your place! You would prefer to completely clean out the bathroom but you don’t have the time! No worries! Here are a few hints that I’ve collected over the years that will save you time and still get the job done!
Bleach and Water – This one is a bit obvious. Equal parts bleach and water in a … (0 comments)

homes for sale: 8 Steps to Decluttering your Entire Home! - 01/22/13 04:20 AM
It starts as a small pile of mail, or a few clothes, or some toys, and a few days later the piles have multiplied in size. By the end of the week the pile has become a monster that you really don’t want to deal with. As I have stressed countless times, a clean house will sell faster and for more but a clean house also just feels better and will improve your mood! So I present to you an 8 step plan to attack and declutter each room to get your house under control!
Step 1: Start Off Right TIP: … (1 comments)

homes for sale: 11 Things you MUST DO to get your home sold! - 01/16/13 12:16 AM
It's a tough and competitve market.
You want your Home to be the one that will sell!  After the price, the most important factor is Staging. Staging is positioning your home to be at the top of every buyer's list.
Properly staged homes outshine the competition every time, and are proven to sell for more money! You must dress your home to be the "prettiest girl at the dance."
Here are 11 things you MUST DO when staging your home.
1. De-cluttering: Clutter can be one of the most distracting … (0 comments)

homes for sale: 8 signs You're Ready To Buy Your First Home - 11/01/12 03:42 AM
8 signs you're ready to buy your first home
This list is a checklist of eight things first-time home buyers should have squared away before they consider a purchase.
#1 You need to be prepared for the "ongoing costs" of home ownership
You need to have a budget - and know how to use it. 
There are expenses other than the mortgage. You need household budget right now, start one. Start with your mortgage, then factor in extra costs: higher utility bills, homeowner's insurance, property taxes, homeowners association fees, and maintenance and upkeep costs.  If you simply cannot … (4 comments)

homes for sale: 6 Ways to Stage Your Home on a Budget - 10/23/12 03:31 AM
We have written before about how presenting an attractive home to potential buyers can greatly increase your chances of selling your house quickly.
Here are 6 more ideas on how to make the inside of your Las Cruces home stand out.
1. Float the Furniture
Though it may seem natural to push furniture against the walls, try "floating" the furniture to make more intimate spaces for conversation. Lisa LaPorta, designer on HGTV's Designed to Sell, recommends visualizing a figure-eight or the letter H and placing furniture in that pattern. Just remember to create clear pathways for traffic … (1 comments)

homes for sale: Las Cruces Real Estate market Analysis - Jan. Through Sept. 2012 - 10/11/12 02:31 AM
Since our last Market Report for the first half of 2012,the 3rd Quarter-2012 has met and exceeded our expectations.  
Home Sales for 2012 have:  
1-Increased Month over the previous Month during the year, but also year over year for every Month not only vs. 2011, but most dramatically, they have increased Month over month for every year since 2009
2-Since 2006, and prior to 2012, there has been a steady decrease in the Total Number of Homes Sold. Sales have fallen steadily from Annual Total Sales of 2435 homes in 2006 to only 1081 in 2011. The first … (0 comments)

Evelyn Bruder, CRS, GRI, ABR, E-PRO (Steinborn & Associates Real Estate)

Evelyn Bruder


Las Cruces, NM

More about me…

Steinborn & Associates Real Estate

Address: 141 N. Roadrunner Parkway, Suite 141, Las Cruces, NM, 88011

Office: (575) 532-2211

Mobile: (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: I am proud of this Website and I encourage you to visit.




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