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87114 : Real Estate Advice

  • All25
  • Local Info1
  • Home Buying8
  • Home Selling8
  • Market Conditions2

Activity 266
Sat Feb 16, 2013
Tim Moore answered:
Step #1 = go speak to a lender to ask questions and find out if and how much you can borrow. Its free and there is no credit check.
0 votes 18 answers Share Flag
Wed May 8, 2013
CJ Ciddio answered:
Dear Buyer,
Unfortunately you can find poor quality in all parts of town, and the opposite is just as true. The best way to avoid this is to have a thorough home inspection done and do your homework on the builder and the the builders reputation. Please let me know if I can be of any further assistance.

CJ CIDDIO
505-280-5555
... more
0 votes 20 answers Share Flag
Tue Jan 22, 2013
Steve Quintana answered:
Here is the concept for understanding the mortgage interest deduction. AGI determines tax liability. Mortgage interest payment can reduce AGI. Thus mortgage interest payment can reduce tax liability.

Mortgage interest can be deducted from your adjusted gross income (AGI). For instance, if a person's AGI is $50,000 and their annual mortgage interest payment is $4,000, that person's AGI is reduced by $4,000 to $46,000. The marginal tax rate for $46,000 is 25%. Thus, this person would save $1,000, or 25% of $4,000, in tax liability due to their mortgage interest deduction.

Tax rates are progressive. A single filer pays 10% on the first $8,925, 15% on $8,925 to $36,250, and so on. See the tax rate chart for 2013, below. Your tax savings depends on the AGI reduction and the total AGI. Hope this helps.

Rate Single Filers Married Joint Filers Head of Household Filers
10% $0 to $8,925 $0 to $17,850 $0 to $12,750
15% $8,925 to $36,250 $17,850 to $72,500 $12,750 to $48,600
25% $36,250 to $87,850 $72,500 to $146,400 $48,600 to $125,450
28% $87,850 to $183,250 $146,400 to $223,050 $125,450 to $203,150
33% $183,250 to $398,350 $223,050 to $398,350 $203,150 to $398,350
35% $398,350 to $400,000 $398,350 to $450,000 $398,350 to $425,000
39.6% $400,000 and up $450,000 and up $425,000 and up
... more
0 votes 3 answers Share Flag
Thu Jan 10, 2013
Steve Quintana answered:
It is theoretically possible to find you something. The best place to start might be to consult with a broker about your personal situation and your goals.
0 votes 5 answers Share Flag
Sun Dec 23, 2012
Joel Sanchez answered:
Hello Gcbauder,

A typical answer to your question would be that the winter months are not the best time to list your home. I have never put much faith in that kind of thinking. Some of my busiest times have been in winter, this year included. Being that we only have a week left in this year, it wouldn't effect you much if you listed your home now or in another week. Sales have held steady in the last couple of months really showing no sign of slowing down. I recently sold a home in your area and I find the neighborhood to be desirable to a good number of buyers on the hunt. In this market, if you want to sell your home, there's no better time than now. If you would like more info, feel free to contact me through the holiday. I can help you expedite the process.

Joel Sanchez -Venture Realty Group
505-514-8741
sanchezjoel13@gmail.com
... more
0 votes 6 answers Share Flag
Wed Jan 30, 2013
Leigh-Jo Anzures answered:
Hi Melinda,

Get in touch with me so that we can privately discuss all your options and work on ways to improve your credit.

Leigh-Jo
Syan Real Estate
Call/Text: (505) 730-8181
0 votes 7 answers Share Flag
Tue Dec 11, 2012
Rob Montoya answered:
I have listed mine at http://auction.extremegreen.info
0 votes 2 answers Share Flag
Fri Dec 21, 2012
Tina Lam answered:
There's nothing that I contribute the change to. I've been selling as before. I would attribute the improvement to an influx of cash and rising incomes and savings.
0 votes 6 answers Share Flag
Tue Dec 11, 2012
Leigh-Jo Anzures answered:
Hello Debbie,

In the past six months, there have been 106 closings. Prices ranged between $25,500 to $451,000 setting the average price per sqft at $98. Properties were on the market for as little as 0 days to as much as 594 days.

Presently, there are 30 properties under contract and 84 actively on the market.

If you would like a more refined view of the area, just let me know a property address or a general location you would like details on.

Leigh-Jo
Syan Real Estate
Call/Text: (505) 730-8181
... more
0 votes 6 answers Share Flag
Mon Jan 7, 2013
CJ Ciddio answered:
Virtual Tours, and Direct Email Marketing all part of my Powerhouse Marketing System!
0 votes 2 answers Share Flag
Fri Nov 30, 2012
Linda DeVlieg answered:
I can send you a comprehensive review of market sales and activity in the area. Fill out the form below and it's on it's way!
0 votes 8 answers Share Flag
Wed Nov 14, 2012
Steve Quintana answered:
The question of safety in a given area often comes up in real estate discussions. Realtors will rarely comment on a specific area; instead they will refer you to governmental crime statistics. The reason Realtors will not give their own opinion is the federal laws against "steering" or "block busting". This laws discourage Realtors from characterizing geographic areas in a way that could make those areas less desirable to buyers. For this reason you will rarely hear a Realtor tell you an area is unsafe. ... more
0 votes 4 answers Share Flag
Fri Nov 9, 2012
Terry Bell answered:
Check your contract and call your realtor! Your contract should always have all the details of everything you agree to in writing and any changes are done on addendums if last minute changes need to be made, all parties have to agree and sign the addendum to change. ... more
0 votes 6 answers Share Flag
Mon Jun 15, 2015
Joel Sanchez answered:
Hello D. F. Haas,

It is a question that has been asked of me many times. In my experience, those who have gone down a similar path and aggressively attempt to repair their credit have been able to qualify for a new loan in as little as 2-3 years. Your situation sounds hopeful. Being that I am not a licensed lender, I can not give you an accurate picture of the ever changing requirements in our current lending environment. The best thing you can do is to contact a lender and have them give you some insight on your financial status and ability to qualify for a new loan. It sounds like you have a sturdy foundation now. Running your credit again to apply for a loan should not damage your credit score.

If you do not have a lender in mind, I always recommend Stephen Cecco at Castle and Cooke Mortgage. You can reach him at 505-453-6543. Best of luck and I look forward to you having a prosperous future.

you can contact me at,

Joel Sanchez - Venture Realty Group
505-514-8741
sanchezjoel13@gmail.com

Best
... more
0 votes 8 answers Share Flag
Sun Nov 4, 2012
Brian Fossa answered:
Your first step is to get in front of a reputable lender, who can take a peek at your financial status (pre-qualification), and let you know what price range is best suited for your income and debt ratios. They will also be able to tell you if there is anything that might hinder a home purchase, and help you avoid any surprises in your credit history that you might not even be aware of. Once you have cleared this all important hurdle, the next step is to find areas of town that you would like to live, and finally, start looking at properties in those areas that fall into your price range. While you are getting pre-qualified, you can customize a search on our website, tailor it to your needs & desires, and it will even notify you when new matches come onto the market. Happy hunting!

Brian & Dawn Fossa
RE/MAX Elite
505-331-6842
www.AlbuquerqueNMHomesForSale.org
... more
0 votes 8 answers Share Flag
Wed Nov 28, 2012
xxcody2gunsxx answered:
Side note here .
My family will be living in the house till it sells .
Two daughters 3years old and 7 years old ,Two little shih-tzus dogs and my Wife and I .
though it will be impossible to keep the house show room quality all the time . it does stay clean and clutter free . and we're not looking to sell it as fast as possible though it would be nice .
with these circumstances what will be the time frame of selling it .
Thanks
Cody
... more
0 votes 5 answers Share Flag
Wed Dec 5, 2012
xxcody2gunsxx answered:
Side note here .
My family will be living in the house till it sells .
Two daughters 3years old and 7 years old ,Two little shih-tzus dogs and my Wife and I .
though it will be impossible to keep the house show room quality all the time . it does stay clean and clutter free . and we're not looking to sell it as fast as possible though it would be nice .
with these circumstances what will be the time frame of selling it .
Thanks
Cody
... more
0 votes 5 answers Share Flag
Thu Oct 18, 2012
Anna M Brocco answered:
Have you considered checking with the local tax assessor's office....
0 votes 1 answer Share Flag
Mon Oct 22, 2012
Joshua Christensen answered:
Trying to sell a house in Today's market, it is critical to understand that the property is hottest in the first 60 days and becomes "stale" if it sits too long. Pricing and Presentation are the two biggest things as a seller that are in your control. Your agent is responsible for Exposure of your property. A home competitively priced that is the best in Presentation will sell in a decent time frame even in today's market. Also, remember that seasonally, we're headed into the most challenging time of year for selling. Price & Presentation become even more critical at this point in the season. Best wishes. Let me know if I can help any further. ... more
0 votes 1 answer Share Flag
Mon Oct 15, 2012
Channah Israel answered:
You can start by allowing a Real Estate Professional help you with this important task! I could send you listings by email and you review, pick the ones you like and discard the rest. I would be able to get you a great Mortgage person to get that side done for you! Having lived in Albuq for over 40 years, I would be able to assist you to find the area to meet your needs! Send me you criteria for your dream home and we can begin together to making your dreams reality! ... more
0 votes 4 answers Share Flag
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