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Don and Geri Padilla, REALTORŪ, real estate agent and broker for Albuquerque New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)
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Things To Do In Albuquerque & Santa Fe!
 

Albuquerque and Santa Fe have a lot going on! It is very culturally rich--museums and art galleries abound. Native American culture is also very full here. Our BioPark is home to a zoo, botanical garden and aquarium. With such fine weather there is no end to outdoor recreation?tennis, golf, swimming, biking and hiking to name a few activities. We also have a number of great outdoor summer concert series and festivals. Check out our activities via the web sites featured on this page.
 

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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What is one of the most unusually shaped buildings in the world?

A 
The all-suite Arabian Tower hotel near Dubai is 1,052 feet tall, built on a man-made island and shaped like a boat sail.
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Don and Geri Padilla, REALTORŪ, real estate agent and broker for Albuquerque New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Don and Geri Padilla
RE/MAX Masters

6705-A Academy Rd
Albuquerque, New Mexico
87109
505-275-3615
Toll Free: 800-753-2782
505-883-8979
Fax: 505-883-9244
Email: dongeripadilla@cs.com

Don & Geri know how to get results for your American Dream of owning a home. From the first-time buyer to the relocating family to the seasoned investor, they have the skills to help you plan for the future through real estate. They listen carefully to your goals to completely understand your individual needs, and they are easy to talk with.


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RE/MAX Masters real estate and homes for sale in Albuquerque New Mexico

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