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Earth Origins Realty LLC Your Online Resource for Albuquerque Real Estate and NM Homes for Sale. |
| Albuquerque Real Estate and Homes For Sale • Home Buyer Resources |
Contact Earth Origins Realty
Paul Chavez Realtor®, EcoBroker®, Qualifying Broker 505•688•1228 (office)
1631 Patrick Pl NW 505 •243•1543 (fax)
Albuquerque, New Mexico 87107 paul@albuquerquerealestateandhomes.com
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| Find Your New Home Now! |
| This www.albuquerquerealestateandhomes.com website offers consumers the most current MLS listings of NM homes in Corrales, Placitas, Rio Rancho, East Mountains, and Albuquerque communities such as the North Valley, UNM, Nobhill, Ridgecrest, Old Town, Downtown, Taylor Ranch, Paradise Hills, South Valley, Westside, Sandia Heights, High Desert, North Albuquerque Acres, North East Heights, and Uptown. Buyers and Sellers can access the latest Albuquerque market conditions, home buying and home selling resources, and exciting information about green home living (like energy efficiency, water conservation, sustainable materials, healthy indoor air quality, and environmental impact). Paul Chavez (or Paul Chaves), qualifying broker, EcoBroker, and Realtor of Earth Origins Realty, is committed to serving you - whether you are a home buyer, seller, or "information gatherer" - by sharing important information about real estate trends, home building practices, and timely communication, ensuring that you are confident and comfortable in your real estate related decisions. If desired, we will also refer you to professional advisors who can consult with you about loans, mortgages, interest rates, home inspections, title insurance and HERS ratings. www.albuquerquerealestateandhomes.com offers a variety of user-friendly IDX MLS listings searches for the Albuquerque (commonly spelled Alberqurque, Alburquerque, Alb, & Abq ) Corrales (commonly spelled Corales or Corralles), Rio Rancho, East Mountains, and Placitas, New Mexico areas. Please contact Paul Chavez for more information. |
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| Home Search by Communities |
Bernalillo
Corrales
Downtown ABQ
East Mountains
High Desert
Kirtland AFB / Southeast
Northeast | Far NE Heights
North Valley
North Albuquerque Acres
Old Town
Placitas
Rio Rancho
UNM•Ridgecrest •Nob Hill
Uptown ABQ
Sandia Heights
South Valley
Westside
Corrales
Downtown ABQ
East Mountains
High Desert
Kirtland AFB / Southeast
Northeast | Far NE Heights
North Valley
North Albuquerque Acres
Old Town
Placitas
Rio Rancho
UNM•Ridgecrest •Nob Hill
Uptown ABQ
Sandia Heights
South Valley
Westside
Before You Start Your Property Search |
Organize Your Finances |
Organize your finances by making sure information on your credit report is accurate. Correct any errors
that may show up which effects your credit score. Remember that you will need cash for closing costs
and a down payment, so if you haven't already - start saving money. Reduce any debt you may have;
pay down credit cards and car loans. And remember, don't make any significant purchases on credit, as
this will hurt your ability to borrow for a home.
that may show up which effects your credit score. Remember that you will need cash for closing costs
and a down payment, so if you haven't already - start saving money. Reduce any debt you may have;
pay down credit cards and car loans. And remember, don't make any significant purchases on credit, as
this will hurt your ability to borrow for a home.
Talk to a Lender and Get Pre-Approved |
Consult with a lender or mortgage broker to find out what you are pre-approved or pre-qualified for. An
estimated loan amount will help you determine how much of a home you can afford. A safe parameter
to go by is to multiply your gross monthly income by .28 (just over 1/4 of what you earn per month
before taxes and other deductions are taken out). A lender will also look at your monthly debt payments
and figure that into the qualifying ratios. The more debt you have, the less you will qualify for. Not only
does getting pre-approved help set the price parameters for your home search, it is also critical in the real
estate negotiation process. When you are ready to present an offer on a home, a seller will feel more
confident in your ability to purchase the home when a pre-approval letter is submitted. Most sellers
require a pre-approval letter before they accept any offer. We can recommend an excellent mortgage
banker here in Albuquerque if you have not consulted with one yet.
estimated loan amount will help you determine how much of a home you can afford. A safe parameter
to go by is to multiply your gross monthly income by .28 (just over 1/4 of what you earn per month
before taxes and other deductions are taken out). A lender will also look at your monthly debt payments
and figure that into the qualifying ratios. The more debt you have, the less you will qualify for. Not only
does getting pre-approved help set the price parameters for your home search, it is also critical in the real
estate negotiation process. When you are ready to present an offer on a home, a seller will feel more
confident in your ability to purchase the home when a pre-approval letter is submitted. Most sellers
require a pre-approval letter before they accept any offer. We can recommend an excellent mortgage
banker here in Albuquerque if you have not consulted with one yet.
Prioritize Your Home Wish List |
What are the most important features and conditions you must have for your new home? What items are
negotiable and which ones aren't? How many bedrooms and bathrooms? How important is location
with respect to work, school, community centers, libraries, supermarkets? Are you looking for a
live/work/play area to live or are you okay with commuting? Where in Albuquerque do you want to live?
Or do you want to live outside of Albuquerque in a different New Mexico community? How important is
the age of the home? What about energy efficiency or healthy indoor air quality? What size of a yard is
ideal? Must the home have a garage, if so, how many spaces? What is the ideal square footage? How
important is the size of the home as compared to layout? Are you looking for a home with "character", if
so what does that mean to you? And of course, be realistic with regards to what is available in the
housing market as it relates to your budget. In other words, you might have to shift your priorities if you
can't find what you want within your budget. And this is one of the best reasons to work with a
Realtor......
negotiable and which ones aren't? How many bedrooms and bathrooms? How important is location
with respect to work, school, community centers, libraries, supermarkets? Are you looking for a
live/work/play area to live or are you okay with commuting? Where in Albuquerque do you want to live?
Or do you want to live outside of Albuquerque in a different New Mexico community? How important is
the age of the home? What about energy efficiency or healthy indoor air quality? What size of a yard is
ideal? Must the home have a garage, if so, how many spaces? What is the ideal square footage? How
important is the size of the home as compared to layout? Are you looking for a home with "character", if
so what does that mean to you? And of course, be realistic with regards to what is available in the
housing market as it relates to your budget. In other words, you might have to shift your priorities if you
can't find what you want within your budget. And this is one of the best reasons to work with a
Realtor......
Choosing a Realtor
Make sure to choose a Realtor with whom you feel comfortable with, listens to you, and responds to your
home buying needs. Questions to ask yourself are:
• Do they return my email and calls in a timely manner?
• Do they ask me detailed questions to learn about my "home priority list"?
• Are they familiar with and knowledgeable about the different communities in Albuquerque and
surrounding areas?
• Am I comfortable spending time with them?
• Do I feel comfortable asking them questions and voicing my home buying needs?
Questions to ask a prospective Realtor are:
• What kind of strategy do you have to find a home for me?
• What background training, education, and experience do you have as a Realtor?
• How often will you communicate with me? By phone? Email?
• How does the real estate buying process work? What steps do we take to make an offer and see it
through closing?
• What references can you provide?
• Do you have the time to devote to my home buying search?
• How familiar are you with different communities in Albuquerque and surrounding New Mexico
communities?
home buying needs. Questions to ask yourself are:
• Do they return my email and calls in a timely manner?
• Do they ask me detailed questions to learn about my "home priority list"?
• Are they familiar with and knowledgeable about the different communities in Albuquerque and
surrounding areas?
• Am I comfortable spending time with them?
• Do I feel comfortable asking them questions and voicing my home buying needs?
Questions to ask a prospective Realtor are:
• What kind of strategy do you have to find a home for me?
• What background training, education, and experience do you have as a Realtor?
• How often will you communicate with me? By phone? Email?
• How does the real estate buying process work? What steps do we take to make an offer and see it
through closing?
• What references can you provide?
• Do you have the time to devote to my home buying search?
• How familiar are you with different communities in Albuquerque and surrounding New Mexico
communities?
How Earth Origins Realty's Paul Chavez Can Be of Service To You
Earth Origins Realty can help you find the perfect home to fit your needs, whether you are looking for
your dream home and/or investment property. Buyers enlist Paul Chavez's help because they care about
the professional representation and breadth of real estate knowledge he offers. Keeping up with the
latest developments in Albuquerque's home market, Paul helps clients make informed and confident
decisions. As an experienced General Contractor and Home Builder, Paul knows what questions to ask
and provides home buyers expert knowledge related to a home's structural integrity, an added service
most Realtors cannot offer. As a Certified EcoBroker, Paul can help you find a home if you are concerned
with energy efficiency, healthy indoor air quality, water conservation, and sustainable
building practices. If you are a first time home buyer, or have owned your primary residence for five
straight years, inquire about the Home Buyer Tax Credit. Call us today to begin your home search in
beautiful New Mexico!
your dream home and/or investment property. Buyers enlist Paul Chavez's help because they care about
the professional representation and breadth of real estate knowledge he offers. Keeping up with the
latest developments in Albuquerque's home market, Paul helps clients make informed and confident
decisions. As an experienced General Contractor and Home Builder, Paul knows what questions to ask
and provides home buyers expert knowledge related to a home's structural integrity, an added service
most Realtors cannot offer. As a Certified EcoBroker, Paul can help you find a home if you are concerned
with energy efficiency, healthy indoor air quality, water conservation, and sustainable
building practices. If you are a first time home buyer, or have owned your primary residence for five
straight years, inquire about the Home Buyer Tax Credit. Call us today to begin your home search in
beautiful New Mexico!