WORKING WITH A BROKER

Buying a home is usually an emotional as well as a practical decision with many necessary financial considerations.  Homeownership today still constitutes the largest financial asset investment many people will make in a lifetime.  It is important and necessary to have the counsel of a reputable, knowledgeable real estate professional who can help you buy wisely.  If you are a first-time buyer, professional real estate assistance can be crucial.  You should insist that the agent work with you as a Buyer's Broker to be your advocate in the transaction.  In most cases, this broker is paid out of the seller's commission paid at closing, so you do not have to pay extra to be represented by a good agent.  See the suggestions for selecting a qualified broker; you do not have to be moving from one city to another to take advantage of these suggestions.


A good broker can help you evaluate the pros and cons of purchasing a single family home vs. a condominium or townhouse, and what the various types of ownership mean to you.  Should you buy a resale home or new construction, and what kinds of inspections or warranties should you seek in each situation? When making an offer, how much below listing price can you offer, and how does the price compare to similar homes on the market?  Are you negotiating terms and other costs (home warranty, for example) as well as price?  What do you do if inspections uncover needed repairs?  Are there any factors related to the house or neighborhood which could create resale problems? What closing costs are considered typical?

Once you have settled on a community and seen several homes, the next step is to make an offer on a home you like.  If you and the seller, with the negotiating help of your agent, come to terms and you execute a sales contract, you will then finalize your mortgage.  The mortgage company will require a home inspection and a title search.  You may have to coordinate your closing date based on when the seller can purchase another home and vacate.

FIRST TIME HOME BUYERS

Buying your first home is a major decision; being a homeowner comes with many ADVANTAGES.  A mortgage payment combined with property taxes and insurance is often the same or only slightly more than monthly rent.  And, you will be building equity with each payment.  Additionally, your payments will be offset by tax savings from mortgage interest deductions, which constitute most of the payment in the early years of a mortgage.


One of the biggest CHALLENGES in the first-time buyer's purchase can be producing cash for the down payment and buyer's closing costs.  But even this obstacle is not insurmountable.  If you are a veteran, you may be able to obtain 100 percent financing through a VA loan and many lenders offer 95 percent financing.  If your income enables you to qualify for the necessary mortgage loan, you may be able to negotiate a contract in which the seller pays your purchase closing costs and adjusts the price upward so that you, in effect, finance your closing costs.  But the loan appraisal will still need to support this higher value in order for the loan to close.


A good place to start the entire process is to visit a  loan officer to pre-qualify and establish your maximum loan amount.  An agent can help you determine your affordability level also if you don't mind sharing income and debt information.  This loan maximum, coupled with your available cash, will determine the price range in which you should look.  You can begin shopping by researching community features you want and need, remembering that 'location-location-location' can often be as important to the market as the home itself and will certainly adjust value from home to home and site to site.

GETTING AHEAD OF THE MARKET

To help you get started and ahead of other sellers and listings on the market, we've outlined most of the key steps to selling your home and detailed the ways that we can provide assistance.


PREPARE TO SELL
As you get ready to sell your home there are usually some simple improvements that can help you get the most for your house and sell it quickly.  Our sales professionals assist with the sale of thousands of homes every year and can help you focus your effort on the things that will make a real difference to buyers.


LEARN ITS VALUE BEFORE YOU LIST
Setting the right price before you list is critical to getting the most for your home and selling it quickly.  Having a professional with experience in your neighborhood prepare a Competitive Market Analysis report gives you the facts and insight to set the right price.  We offer a CMA free of charge, without obligation.  Simply call or send us an email.


CHOOSE A PROFESSIONAL
A great agent helps you better understand the selling process and gives you a number of advantages in selling your home.  Their local knowledge of home values and their expertise in pricing and negotiating are important assets in getting the most for your house.

 

MARKETING AND NETWORKING
Getting the best price is about bringing you the right buyers for your house.  This results from a combination of having a solid marketing plan, targeting media exposure, taking advantage of our powerful network of local, national and global buyers, and utilizing the variety of our resources other firms can not match.


MOVING LOCALLY, NATIONALLY OR INTERNATIONALLY
If you're moving somewhere else in or out of the area, let our relocation team make the transition easier.  Not only can we help you sell your home or lease it through our property management group, we'll help you find a leading company with great service no matter where you're moving.  To learn more about how we can help you contact our offices and request information on relocation services. 

Appraisers (Real Esate)

Hippauf & Associates
404 Brunn School Road Bldg B.
Santa Fe 
NM 87505
(505) 988-8059
www.hippauf.com

 

Appraisal Works
204 E Santa Fe Avenue
Santa Fe 
NM 87505
(505) 983-9532
www.appraisalworksnm.com

Don Hall & Associates
223 N. Guadalupe Street #265
Santa Fe 
NM 87501
(505) 982-8100
donhalljr@gmail.com

Don Hall & Associates
223 N. Guadalupe Street #265
Santa Fe 
NM 87501
(505) 982-8100
donhalljr@gmail.com

Carpet Cleaners

Eidelweiss Restoration & Cleaning LLC

2854 Cooks Road

Santa Fe NM 87507

(505) 471-7711

http://www.edelweissllc.com

Rux Waddell

(505) 470-9395

Chimney Sweeps

Casey's Chimney Sweeps Richard
(505) 989-5775
(505) 670-9919

Clean Sweep
(505) 466-1719
cleansweepnm.com

Consignment

The Raven
1225 Cerrillos Road
Santa Fe 
NM 87505
(505) 988 4775
theravensantafe.com

La Casa Fina Consignment
821 W. San Mateo Road
Santa Fe 
NM 87505
(505) 983-0042
lacasafinasantafe.com

Stephens - A Consignment Gallery
2701 Cerrillos Road
Santa Fe NM 875055
(505) 471-0802
stephensconsignments.com

Things Finer
100 E. San Francisco Street
Santa Fe NM 87501
(505) 983-5552
thingsfiner.com

Electricians

Daniel C de Baca

(505) 473-4735
(505) 501-4735

 

Handyman

Saul Gomez (505) 919-9057
Isidro Jasso (505) 699-0880
Mike Tanuz (505) 920-1895

House Cleaners

Tanya (505) 699-0880
Elsia Archuleta (505) 470-8461

Insurance Companies

State Farm
Garrett Seawright
1441 Paseo de Peralta

Santa Fe NM 87501
(505) 982-5433

Geico
5317 Menaul Blvd. NE
Albuquerque NM 87110
(505) 265-1699

American National
Taylor Smith
taylor.smith@american-national.com
(505) 403-7520

Jemez Agency
621 Old Santa Fe Trail
Santa Fe NM
(505) 424-8049

Farmers Insurance
Martin Valera
(505) 982-7710

Liberty Mutual
6001 Indian School Rd #250
Albuquerque NM 87110
(505) 899-5171

Locksmith

Territorial
(505) 982-8471

AB1
(505) 983-2690

Mold Specialists

CERL
(505) 988-4143

Clean Sweep
(505) 466-1719

Mortgage Lenders

Thomas Gonzales
Legacy Mortgage
6330 Riverside Plaza LN #175
Albuquerque, NM 8720
(505) 615-1837

Scott Robinson
Gateway Mortgage
502 W. Cordova Road, Suite 1 Santa Fe, NM 87505
(505) 428-6464

Annette Alvarez

Academy Mortgage

119 East Marcy Street, Suite 101 Santa Fe, NM 87501

(505) 920-8325

First Mortgage Company
119 E. Marcy St. Ste. 106
Santa Fe NM 875011 Santa Fe, NM 87505
(505) 780-5800

Moving Companies (Local)

Wilson Transfer & Storage
1201 Siler Road
Santa Fe NM 87507
(505) 471-6611

First Movement
Lou Rojas
(505) 989-1133

Delancey Street Movers
NM 94
Ohkay Owingeh NM 87566
(505) 852-4291

Johnson Moving
2 Paseo de River
Santa Fe NM 87507
(505) 473-2911

Moving Companies (National)

North American Moving Services
New Mexico Van Lines
(505) 823-1400

Allied Movers
(877) 220-9702

United Van Lines
(877) 740-3036

Pest/Critter Control

New Mexico Pest Control Chuck
(505) 474-5972

Critter Control
(505) 988-2035

Eloy Romero Pest Control
(505) 660-4963

Photography

Christy Parent
(360) 486-4032
4birdsphotography@gmail.com

Daniel Nadelbach
(505) 982-7004
www.nadelbachphoto.com

Radon Mitigation

Clean Sweep
(505) 466-1719
www.cleansweepnm.com

Roofers

Alliance Roofing & Stucco
Jody Trujillo
(505) 203-0296

Enchantment Roofing
(505) 989-1790

TC&I Inc Foam Roofers
Patrick
(505) 699-4021

McPartlon Roofing
(505) 982-6256

Northway Roofing
Terry
(505) 470-7663

Desert Rose Roofing
Bob Guiterrez
(575) 421-2250

Santa Fe Home Inspectors

Zsako Home Inspection
Istvan Zsako
(505) 474-5699
www.zsako.com

Servo Home Inspections
Robert Miller
(505) 603-7225
robert@servohomeinspection.com

Professional Inspections & Evals (PIE)
Steve Pattelena
(505) 982-2244
www.santafehomeinspection.com

Moya Home Inspections
Randy Moya
(505) 216-0813
www.moyahomeinspection.com

Septic Tank Service

A.A.A. Septic
Ralph Baker
(505) 982-2242

Medina Septic
Steve & Laura
(505) 471-3385

Title Companies

Erinn McCusker
Santa Fe Title
Don Gaspar
Santa Fe NM 87501

Stewart Title Company
433 Paseo de Peralta
Santa Fe, NM 87501
(505) 982-5582

Prima Title
123 Grant Ave.
Santa Fe NM 87501
(505) 984-1884

Southwestern Title & Escrow
236 Montezuma Ave.
Santa Fe, NM 87501
(505) 820-1800

DISCLAIMER
The above list of Vendors and Service Providers are all independently owned and operated businesses.  Enchanted Adobe Group; its parent company; Keller Williams Realty; or any of its subsidiaries are NOT RESPONSIBLE and NOT LIABLE for any agreement, contract or services provided by, or any results or damages there from said vendors or providers.