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You are here: Home / Archives for fha

Buying a Home & the Down Payment

August 9, 2012 John Kynor Leave a Comment

piggy bank house

Most home buyers’ biggest hurdle is coming up with the cash for a sensible  down payment. Gone are the days of zero-down loans, so if that was your plan, you’re going to need a new one! Coming up with a down payment for a home is a challenge because it’s not chump change we're talking about, here. The down payment on a $200,000 house, for example, will run you anywhere from $7,000 (on an FHA loan) to $40,000!   That might seem like an insurmountable amount of coin to come up with, but it’s actually more doable than … [Read more...]

Filed Under: Blog, Buying Your Home Tagged With: albuquerque real estate, bridal registry, corrales real estate, down payment, fha, ira, new mexico real estate, q realty, rio rancho real estate, savings plan

Mortgage Myths and Facts – Albuquerque Real Estate & Homes For Sale

September 28, 2011 John Kynor Leave a Comment

Myth: The average person can't get a mortgage today. Fact: Legacy Mortgage and reputable Lenders are hungry for mortgages!  It is true that big banks have been limited on the amount of real estate related assets they can hold in their portfolio, but true Lenders have the more then enough assets to lend and a full menu of flexible mortgage options available.  Don't let the press scare you! Myth:  Lenders can't be relied on to fund a loan, even if it is approved. Fact: Strong reputable Lenders such as … [Read more...]

Filed Under: Blog, Buying Your Home Tagged With: bess daunis, fha, interest rates, Legacy Mortgage, mortgage, Mortgage Insurance

FHA 203K Rehab Loan for Albuquerque Real Estate

July 29, 2011 John Kynor Leave a Comment

This week Wes has a great program for fixer uppers. This is a way to get money for repairs or upgrades when you buy the home, so you immediately have the funds to get the work completed ASAP. Great for first time buyers and Owner Occupied Real Estate. Check out this video to learn all the details. Wes Moore does Albuquerque mortgage loans and does them right! 23 years LOCAL experience. The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers … [Read more...]

Filed Under: Blog, Mortgage News Tagged With: fha, mortgage, wes moore

Interest Rates Are Getting Lower and Lower – Albuquerque Home Mortgage Alert!

May 17, 2011 John Kynor Leave a Comment

Hi All, Rates are really low again!  If you have anyone starting to look NOW IS THE TIME!!  Depending on various factors, conventional rates are around mid upper 4's and FHA even lower! Call me to get pre-approved for a mortgage or to refinance today! Bess Daunis - Senior Loan Officer - 248773 Legacy Mortgage Direct (505)857-2216 Mobile(505)301-1691 … [Read more...]

Filed Under: Blog, Mortgage News Tagged With: fha, interest rates, mortgage

Albuquerque Mortgage Update – May 9, 2011

May 10, 2011 John Kynor Leave a Comment

Bess Daunis

I am pleased to announce that I am now able to do FHA Streamline 203k rehab loans! What does this mean to you, the homebuyer? With the wealth of Foreclosed homes, (or about to be foreclosed!) on the market, buyers are often able to purchase homes at very reduced, under market price.  Problems often arise though, in that many of these homes have been neglected or abused by their previous owners during the process.  These homes often need repairs, which in turn require cash, to be considered in “livable” condition, … [Read more...]

Filed Under: Blog, Mortgage News Tagged With: fha, mortgage

FHA Mortgage Insurance Premiums to Increase – May Affect Albuquerque Home Buyers!

April 12, 2011 John Kynor Leave a Comment

Mortgage

An important reminder that the monthly Mortgage Insurance Premiums on FHA loans rises from .90% to 1.15% next Monday, April 18th. On a purchase price for a $125,000 home this will result in an increase in mortgage payments of about $25 per month. In some cases, this could put a home buyer in a position where they may no longer qualify. If you are thinking about buying a home and using an FHA mortgage, you need to be under contract to purchase a home and have an FHA case number assigned in order to guarantee that … [Read more...]

Filed Under: Blog, Mortgage News Tagged With: fha, first time home buyers, mortgage, Mortgage Insurance

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Q Realty® is an Albuquerque real estate company and is locally owned and operated. Q Realty® or "The Q" was founded on the principals of outstanding customer service and we have earned the reputation of being the most “customer-centric,” honest, ethical and professional real estate company in Albuquerque. We treat our customers how we like to be treated.

Real estate used to be considered a sales industry and many companies still treat it as such, but not Q Realty®. Consumers do not like the feeling of being “sold” and neither do we. Instead we “serve” and “help” our customers with their real estate needs. As a result of our dedication to first class customer service Q Realty® earned a spot on Albuquerque Business First's list of the top 25 Real Estate Brokerages in New Mexico, as measured by the number of homes sold and the total value of homes sold by each brokerage

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