Credit Score Information & What to Know About “Rate Shopping”

Did you know nearly half of borrowers don’t shop around for the best rate before applying for a mortgage, and even if they do, only 3 out of 4 end up applying to more than one lender or mortgage broker.

Looking for a mortgage, auto or student loan may cause multiple lenders to request your credit report, even though you are only looking for one loan. To compensate for this, the score ignores mortgage, auto, and student loan inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won't affect your credit score while you're rate shopping. In addition, the score looks on your credit report for mortgage, auto, and student loan inquiries older than…

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NMWelcomeHome Real Estate Team just launched their latest redesign of their popular home search site www.NMWelcomeHome.com. We now have larger property photos, more tools, and search by address to view details clearly with a smart phone. With the latest responsive design this means you can view the website and search homes easily on any device.

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We are continuously improving our technology to make your home search easier. Our website has a new look and is a responsive design, meaning you can view the website on any device easily. Try it out www.NMWelcomeHome.com

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Article courtesy of Written by Jaymi Naciri on Sunday, 21 December 2014 9:52 am Realty Times

Does the impending new year have you thinking about remodeling? There are some of us who never stop thinking about, but this time of the year tends to make people who already had the inkling start looking at trends and making soft plans for a small reno or a complete redo.

Thankfully, it's also at this time of the year that trend reports start coming out for the new year. If you've got that itch, give it a little scratch by checking out the home remodeling trends for 2015.

1. Bathrooms are big "This year, the kitchen as we know it completely changed," said Huffington Post. "Shelving opened up, cabinets went darker and metallic accents moved well beyond cabinet…

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Let our team help you navigate the thousands of Albuquerque and Rio Rancho MLS Listings. Looking for a one-story home, Pool, School just let us know! We can customize your search to fit your buying needs and price point.

Listings that match your search criteria will be sent to you daily. Contact us at (505) 923-4691.

Start your home search Here!

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Below are some key facts for the home buying process. There are many more details when buying a home. I am experienced and will work hard making sure12 Most Important Things To Consider When Buying A Home your home buying purchase is a great one.

Speak to a lender and get Pre-Approved – I cannot stress the importance of this

         What you will learn:

  • How much you are qualified for
  • Monthly Payment
  • Fees/Cost involved

          Real Estate Agent will help you with...

  • Typical timeframe to close on a home is 30-45 days from date of offer acceptance.
  • Go over all disclosures and inspections available
  • Evaluate Home and List Price to determine offer price.
  • Write Purchase Offer and negotiate – could take several days.
  • You will be required to write a check for an Earnest…

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