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First Time Homebuyers: Santa Fe, Pojoaque, and Los Alamos New Mexico home buying, real estate listings, and homes for sale in Colfax County, NM

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Santa Fe, Pojoaque, and Los Alamos real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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Closing or Settlement >Estimated Closing Costs

There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.

These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!

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Q	Where is the world's longest spiral staircase?
A	The White County Coal Mine in Carmi, Illinois has a spiral staircase that measures 1,103 feet and has 1,520 steps.
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Susan Orth, REALTORŽ, real estate agent and broker for Santa Fe, Pojoaque, and Los Alamos New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Orth
City Different Realty
1709 Paseo de Peralta
Santa Fe, NM 87501
Cell: 505-310-4133
Toll Free: 877-581-6566
Office: 505-983-1557
Email: SantaFe@SusanOrth.com
"I am passionate about my career and would love to go to work for you!" For over 20 years real estate has been my career. Contact me to be assured a smooth transaction; buying or selling. In addition to a BS degree in Psychology and an MBA, I have continued to enhance my real estate skills with education in many areas such as finance, marketing and technology, earning many professional designations from the National Association of Realtors. The Real Estate Industry has seen significant changes in the past several years, it is important to me to be on the leading edge of these changes. I take pride in my professionalism and in delivering excellent/personalized service to my clients. I would love to talk with you.

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