Home Buying in Rio Rancho : Advice

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Jay, Home Buyer in Rio Rancho, NM
Jay asked:
I am in the process of buying my first home.. I received a wire from my IRA account. Could that possibly mess me up? I withdrew the money from my IRA account to use towards the down payment and it was wired into one of my accounts. Due to this being my first home I don't know much about the process and…
0 votes Share Flag Mon Mar 9, 2015 Home Buying in Rio Rancho
NCHomes Team, Real Estate Pro in Chapel Hill, NC
NCHomes Team answered:
Question about buying a home.
Jackie,

I'll let a mortgage lender answer your question regarding getting a mortgage but will say it's not out of the question though your terms aren't likely to be as good as if you ... more
0 votes Share Flag Wed Jan 21, 2015 Home Buying in Rio Rancho
cyndi, Home Buyer in Rio Rancho, NM
cyndi answered:
How do you go about buying a new home when relocating from out of state without a new job?
Rio Rancho is a Tea Party Community with very closed minded residents that is not a real community. I would recommend not moving there unless you want to get together with other OLD Tea ... more
0 votes Share Flag Tue Dec 2, 2014 Home Buying in Rio Rancho
JErskine, Other/Just Looking in San Diego, CA
JErskine answered:
My Trans Union score is 597. Is there a lender that can still approve me? I want a house in Rio Rancho or Abq.
Hello,

OneTrust Home Loans is a direct lender and does allow for under a 600 credit score on all of its VA and FHA loans. If you have yet to purchase a home, please contact our loca ... more
0 votes Share Flag Tue Aug 5, 2014 Home Buying in Rio Rancho
Susan Ryerson, Real Estate Pro in Albuquerque, NM
Susan Ryerson answered:
What is the credit score i should be at to buy a home in rio rancho? Also what is the minimum credit score that would be ok to get a home?
Hi Kimberly - I am currenlty working with a buyer who met with a lending rep who actually helped her understand how some steps over a short period of time might help get her credit scor ... more
0 votes Share Flag Sun Jul 20, 2014 Home Buying in Rio Rancho
Susan Ryerson, Real Estate Pro in Albuquerque, NM
Susan Ryerson answered:
Rumor has it Intel will close up and drive down home values. Any truth?
Here is a recent article from the local paper from just a few weeks ago on this question. It seems to indicate although staffing is down, Intel remains committed to the location. http:/ ... more
0 votes Share Flag Sun Jul 20, 2014 Home Buying in Rio Rancho
Peter Cochran, Real Estate Pro in Albuquerque, NM
Peter Cochran answered:
Hello I am a first time home buyer and have a credit score of 720 and my fiance has a credit score of 530. Would we be approved for a mortgage?
Victoria, since you would apply together, his 530 credit score would be the bottleneck in you being approved for a loan. Unfortunately, there are many people like you and your fiance h ... more
0 votes Share Flag Fri Jun 13, 2014 Home Buying in Rio Rancho
Genevieve Mo…, Real Estate Pro in Albuquerque, NM
Genevieve Moya Cummings answered:
I am looking to purchase a home for under $190,000 but I am on a very fixed budget and can only afford $1,000 a month for mortgage any ideas or help?
Purchasing a home for under $190,000 with a mortgage payment of $1000 (+/-) is do-able! You can always affect the amount of monthly mortgage you pay by increasing your down payment. T ... more
0 votes Share Flag Fri Jun 6, 2014 Home Buying in Rio Rancho
Leigh-Jo Anz…, Real Estate Pro in Albuquerque, NM
Leigh-Jo Anzures answered:
We own 4 lots in Unit 2. Would you be interested in listing them?
Hello,

I list and sell land in Rio Rancho. I take and enhance multiple photos of the actual lots location. I also create a 360 degree video of the area.

For a FREE land valuat ... more
0 votes Share Flag Mon Feb 3, 2014 Home Buying in Rio Rancho
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
how much would an estimated monthly payment for a 225,000 house?
What will the down payment be?

What will the term of the loan be?

What is your current credit score?
0 votes Share Flag Fri Dec 27, 2013 Home Buying in 87144
Patrick Will…, Real Estate Pro in Rio Rancho, NM
Patrick Willard answered:
Fannie Mae asked immediately for best and highest
I hate to tell you this but banks (and Fannie & Freddie) often seem to operate by the golden rule, they have all the gold so they get to make all the rules.
I would see if they'll kee ... more
1 vote Share Flag Sat Dec 14, 2013 Home Buying in 87144
Leigh-Jo Anz…, Real Estate Pro in Albuquerque, NM
Leigh-Jo Anzures answered:
Hello, I am comparing this area with the Vetena Ranch area. Can anyone tell me which is the older neighborhood and what would the major difference B?
Hello,

Which neighborhood in Rio Rancho are you interested in comparing to Ventana Ranch? In Rio Rancho, there are some brand new neighborhoods and areas that have been around for o ... more
0 votes Share Flag Sun Oct 20, 2013 Home Buying in Rio Rancho
Diana Costal…, Real Estate Pro in Albuquerque, NM
Diana Costales answered:
Is there a block club or home owners association for the home address of the 1700 block of Black River Ct-NE, Rio Rancho NM 87144?
Hello There,

I am a broker and I live on that street. If you would like to ask more specific questions about that neighborhood, I am happy to speak with you.
Contact me at 505 363- ... more
0 votes Share Flag Sun Sep 29, 2013 Home Buying in Rio Rancho
Patrick Will…, Real Estate Pro in Rio Rancho, NM
Patrick Willard answered:
Can anyone tell be what the story is with polybutelene piping in Rio Rancho?
Joerattera,

I've heard of doing the replumb under ground and it is a ton more work and mess and costs a lot more. I too had concerns about running pipes in the ceiling because years ... more
0 votes Share Flag Sat Aug 24, 2013 Home Buying in Rio Rancho
Alex Greer, Real Estate Pro in San Jose, CA
Alex Greer answered:
Looking to buy in Rio Rancho from NY
We can certainly help you out. You can check us out at http://www.TheMortgageOutlet.com and give us a call. One of our loan officers will look at your situation and present you with som ... more
0 votes Share Flag Mon Aug 5, 2013 Home Buying in Rio Rancho
Leigh-Jo Anz…, Real Estate Pro in Albuquerque, NM
Leigh-Jo Anzures answered:
I am interested in 1053 Harrison Dr NE, wondering the status of this sale, also is there an HOA, if so what are the fees?
Hi Janet,

As you've seen below, the HOA for the home is $35 per month. According to the MLS, it covers the common area and front landscaping. The home is a short sale and has been ... more
0 votes Share Flag Wed Jul 17, 2013 Home Buying in Rio Rancho
Leigh-Jo Anz…, Real Estate Pro in Albuquerque, NM
Leigh-Jo Anzures answered:
Why are there so many houses for sale in the Rio Rancho Estates area?
Rio Rancho is the fastest growing city in the State. It passed Santa Fe. It's the third largest city in the state. So, its growth is partly why you may see a lot of homes on the mark ... more
0 votes Share Flag Fri May 24, 2013 Home Buying in Rio Rancho
Leigh-Jo Anz…, Real Estate Pro in Albuquerque, NM
Leigh-Jo Anzures answered:
Viet Nam Vet who nearly died in 2010 due to a deadly brain disease.Medical bills forced a Chap 7 in Dec 2011.We lost our home We want to buy a house.
Hello,

In most cases, it can take 2 years from the date of discharge on a bankruptcy before you can become eligible to buy a home again. You may have additional options, but it woul ... more
0 votes Share Flag Mon Mar 18, 2013 Home Buying in Rio Rancho
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Has anyone had luck removing a "short sale" from a credit report? I watched a YouTube video that said it can be done. Thoughts?
It is possible to have ANYTHING removed from your credit report. The problem is...Is what you are trying to remove going to come back? I have seen credit companies come and go over the ... more
0 votes Share Flag Thu Feb 14, 2013 Home Buying in 87144
Leigh-Jo Anz…, Real Estate Pro in Albuquerque, NM
Leigh-Jo Anzures answered:
Trying to buy a short sale house
Hello,

It sounds like it is something your lender will make the loan contingent on. The problem you may face is, since the seller is facing a short sale situation, they may not have ... more
0 votes Share Flag Sun Feb 3, 2013 Home Buying in Rio Rancho
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