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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 a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Santa Fe, Taos and Los Alamos real estate expert, it's my job to guide you, from beginning to end.

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

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

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School Reports in Santa Fe, Taos and Los Alamos, New Mexico

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New Mexico Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Santa Fe, Taos and Los Alamos

Closing or Settlement >Estimated Closing Costs

There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.

These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!

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Darlene Streit, REALTOR®, real estate agent and broker for Santa Fe, Taos and Los Alamos, New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Darlene Streit
Santa Fe Realty Partners
417 E. Palace Avenue
Santa Fe, NM 87501
Cell: 505-920-8001
Fax: 505-946-1600
Office: 505-920-8001
dstreit@NUMBER1EXPERT.com
Darlene Streit is owner and qualifying broker of Santa Fe Realty Partners, Santa Fe's fastest growing real estate company. A resident of Santa Fe since 1990, she knows the city well. Darlene's background is perfect for guiding you through the process of selling or buying a home.

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