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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Albuquerque, East Mountains, Placitas and Bernalillo real estate experts, it's our job to guide you, from beginning to end.

We 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 us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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School Reports in Albuquerque, East Mountains, Placitas and Bernalillo, New Mexico

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Titles >Ways to Hold Title

When two or more people purchase property together, there are three ways that the title can be held. Knowing the implications of each form of ownership will help you decide how to write your deed.

"Tenancy by the entireties" is reserved exclusively for married people. Both husband and wife own an undivided interest in the property. On the death of one party, the surviving spouse owns the entire property and no probate will be necessary. When unmarried persons buy a home together, they should seek legal advice regarding how title should be held. As "tenants in common" each party owns a percentage interest in the property. On the death of one party his or her interest does not go to the surviving owner but is distributed in accordance with the will of the deceased, whose estate must be probated. As "joint tenants" each party owns an undivided, equal interest that passes automatically to the surviving joint tenant. Probate is not necessary if the deed reads "joint tenants with rights of survivorship".

It is important to know that in most courts, if a deed is written without specification of how title is held, the property is titled as "tenants in common."

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Q	What two streets near the Los Angeles Beverly Center were named for a famous husband and wife comedy team?
A	George Burns Drive and Gracie Allen Way
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Sandi Reeder and Associates, REALTOR®, real estate agents and broker for Albuquerque, East Mountains, Placitas and Bernalillo, New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandi Reeder and Associates
Keller Williams Realty
9201 Montgomery NE, Ste 101
Albuquerque, NM. 87111
Phone: 505-271-8200
Fax: 505-323-3291
Email: Sandi@SandiReeder.com
Say Yes to CRS! Buying or selling a home can seem like an overwhelming task. But the right REALTOR can make the process easier-and more profitable. A Certified Residential Specialist (CRS), with years of experience and success will help you make smart decisions in a fast-paced, complex and competitive real estate market. To recieve the CRS Designation, REALTORS must demonstrate outstanding professional achievements - including high-volume sales - and pursue advanced training in areas such as finance, marketing, and technology. They must also maintain membership in the NATIONAL ASSOCIATION OF REALTORS and abide by its Code of Ethics. Work with the top 4 percent of REALTORS in the nation. Contact a CRS today.

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