Serving All Your Real Estate Needs In Angel Fire, Red River & Taos, New Mexico; Land, Ranches & Unique Homes

Are you ready to buy?

Home buyers have faced tough challenges -- housing prices have risen, a dollar doesn't go as far as it once did and rent is more expensive than the past, but the economy is doing well and things are moving!

Looking for some tips to make such a large purchase? With more flexibility and a bit of financing creativity, there are many simple ways to achieve homeownership.

Financing First: The first step to knowing if you can afford a home is figuring out what financing options are available to you, including what mortgages you're eligible for and how much you need (and can afford) to put down upfront.

Learning the minimum FICO score required by lenders and understanding your own credit score are important starting points.

Many who dream of owning a home aren't sure how much they have to put down, what the lender-required minimum down payment will be (it's not always 20%), or what programs are available to help with down payments, like FHA loans.

Before buyers even start thinking about saving for a home, they should know what their financial resources are and if they're eligible to buy.

Make enough money to save: With fewer resources to pull from than their older, wealthier counterparts, renters wanting to buy face tough financial headwinds.

According to the Zillow Group Consumer Housing Trends Report 2019, renter households typically earn a median income of $37,500 annually, which is nearly $40,000 less than the median household income netted by households who recently bought a home (of whom the median household income is $75,000 annually).

2 Income households can help you save enough cash: One of the most daunting parts of home buying? The down payment. In fact, two-thirds of renters cite saving for a down payment as the biggest hurdle to buying a home, according to the Zillow Housing Aspirations Report.

For people buying the national median home valued at $229,000, with the traditional 20% down payment, that's $45,800 upfront -- just to move in. While that is the norm for some, there are many cases where 20% down is not needed. Find a good lender that you can be open and honest with and they can guide you towards your goal.

Although putting down less than 20% means additional considerations, such as the cost for private mortgage insurance (PMI), some find it worth the hassle. In fact, according to the Zillow Group Consumer Housing Trends Report 2019, only one-fifth of recent buyers (20%) put 20% down, and just over half of buyers (56%) put less than the traditional 20% down.

Buyers are also getting creative about piecing together a down payment from multiple sources. According to the report findings, 34% of buyers who get a mortgage also get help in the form of gifts or loans from friends and family to come up with a down payment.

Know your deal breakers, but be flexible: To get into a home -- even if it's not the home of their dreams -- some of today's buyers are considering homes and locations outside of their initial wish list and getting increasingly flexible when it comes to neighborhood, house condition and even home type.

Affordably priced homes do exist, it will just be harder to find one you love and that meets your criteria.If you are willing to be flexible and prioritize your wish list, you can most definitely find a home that will suite your needs!

If you need help finding that home, let one of our expert Taos brokers help you find a Taos condo for sale, some Taos land for sale to build the home of your dreams or a fully furnished home in Taos to hang your boots. Whether it's a vacation home for family and friends or a permanent residence in Taos, let us help you with all your real estate needs!Call 575-377-2626 or 575-758-5852 for Paula.

Pre-Winter Prep: Getting Your Home Warm and Cozy for Winter

Ready or not, the days are getting shorter, the nights are getting longer and winter in on its way! There are some simple steps to making sure your home is safe and cozy when winter officially arrives and they will keep you safer and warmer if you can do a little upkeep.

*Prepare your furnace for winter Have a pro check it out and replace the furnace filter before you begin using it daily

*Clean your fireplace and chimney Inspect the flu, doors and shield and make sure they are sound. Get the chimney professionally swept if possible and don't forget to buy firewood ahead of time!

*Keep cold air outside and warm air inside Check weatherstripping by opening a door, placing a piece of paper in the entryway and closing the door. The paper should not slide back and forth easily. If it does, the weatherstripping isn't doing its job.

*Bring in light Clean windows and open coverings for optimum sunlight and brightness to keep dreary days at bay.

*Create a mudroom to keep mud and snow tracking at a minimum

*Check batteries and test carbon monoxide detectors as well as smoke detectors. Also, it's a good idea to have an emergency kit with flashlights, batteries, water and some food and blankets just in case!

Winter-proofing your home is especially crucial when you live in mountain terrain such as Taos or Angel Fire which have very white winters. Check your home or if you are dreaming of a home to enjoy during a snow storm, come visit us and let us help you find the perfect home for your needs! Planning weekend getaways to a Taos condo or Taos home for sale? Want to ski in/ski out from an Angel Fire home or Angel Fire condo for sale? We have just the property for you!

Call 575-758-5852 for Paula in Taos or 575-377-2626 for our Angel Fire office at the blinking light with the giant tipi on our lot. We look forward to serving all your real estate needs!

Winter Prep

The snow is coming soon! Are you dreaming of a Taos condo to ski in, ski out of this season? Come check out one of the best ski resorts around and stay awhile! If you are looking for a Taos home for sale, Taos land for sale to build the home of your dreams or a Taos condo on the mountain for weekend getaways, come find your home away from home and enjoy this winter weather from a vantage point like no other.

Connect here with the Taos Ski Valley website and see all there is to do this winter. Let us help you make memories for a lifetime! Call 575-758-5852 for Paula or in Angel Fire, call 575-377-2626 and let us show you Angel fire homes for sale or an Angel Fire condo for friends and family to enjoy! We look forward to serving all your real estate needs!

https://www.skitaos.com/

It's Time to Create Your Family Holiday Traditions...

The holidays are just around the corner...have you been thinking of adding some new family traditions? If you want to invest in a tradition for the family for generations to come, take a look at some of the fabulous Taos homes for sale or Angel Fire condos we have for sale! We have beautiful, fully furnished homes, condos or lots for you to build your dream home on. Come make Taos or Angel Fire your holiday destination and create memories of a lifetime.

Let on of our expert brokers help you find the perfect Taos property for sale or Angel Fire home or condo for sale! Call 575-377-2626 in Angel Fire at the blinking light with the tipi out front or call 575-758-5852 for Paula in Taos. We look forward to serving you in all your real estate needs!

The Mountains Are Calling...

Fall is the time to come to the Enchanted Circle and enjoy the cool weather, the trees changing and all the activities that Angel Fire, Taos and Red River have to offer. While you are here enjoying the beauty, let one of our knowledgeable brokers show you a condo in Angel Fire or land for sale in Angel Fire. Maybe you prefer a parcel of Taos land to build the home of your dreams or a Condo in the Taos Ski Valley for weekend getaways. Whatever your real estate need, the experts at New Mexico Mountain properties are here to help! Call 575-377-2626 or 575-758-5852 for Paula. We look forward to serving you!

Red River Folk Festival at Aspencade Aspencade Arts & Crafts Festival Friday, September 20, 2019 - Sunday, September 22, 2019

Browse through booths of hand-crafted items, jewelry, home furnishings, food, art, pottery, and specialty goods while you enjoy delicious food, live entertainment, and the crisp air and changing colors of fall in Red River.

This year features the third annual Red River Folk Festival at Aspencade. Talented folk artists from all over the US converge in Red River to delight and entertain guests at Aspencade. Special 3 day pass to all events at The Motherlode and Brandenburg Park available for only $55 until 8/15! http://www.redriverfolk.com

LEARN MORE >>

Contact the Red River Chamber of Commerce for more information, (575) 754-2366

Brandenburg Park & Red River Conference Center 101 W River St Red River NM 87558

Fall into Taos

While you are here enjoying all the fun that Taos has to offer, why not take a look at some fabulous Taos real estate...we have lovely Taos homes for sale as well as Taos condos for those getaway weekends or to rent out. If you are looking for land for sale in Taos to build the home of your dreams, let us show you the perfect parcel-our Taos Real Estate Brokers are here to assist you. Call us today @ 575-758-5852 for Paula

2 SEP Sting in Taos Mon, 5:30 PM Kit Carson Park, 211 Paseo Del Pueblo Norte Taos, NM

5 SEP Michael Hearne's 17th Annual Big Barn Dance Music... Thu, 12:30 PM Kit Carson Park, 211 Paseo Del Pueblo Norte Taos, NM

For more information go to https://taos.org/events

Come Escape the Summer Heat!

Such a beautiful time of year to visit Angel Fire, New Mexico and catch a final week of Music from Angel Fire! There is always something fun to do here in this beautiful valley. While you are here enjoying this cool weather, let one of our knowledgeable brokers show you an Angel Fire condo or land for sale in Angel Fire! We can help you find the perfect parcel to build the home of your dreams or find a home that is already built, fully furnished and ready to move it! Whether it's an investment property, vacation home or maybe you're ready to live here full time, we can help you with all your real estate needs! Call 575-377-2626 or 575-758-5852 for Paula. We look forward to serving you!

2019 Music from Angel Fire Final Week of Activities and Concerts It's been wonderful to see so many friends during this 36th season at concerts, special events, educational activities and in town.

FOUR REMAINING CONCERTS Get your tickets now on-line or by calling 575.377.3233 CONCERT SCHEDULE

Festival artists have performed seven concerts to capacity audiences. With four remaining concerts we hope you'll purchase tickets now if you haven't done so already. Wednesday, August 28, 6pm at the Angel Fire Baptist Church is an All-Mendelssohn program you'll not want to miss featuring the Meraki Quartet with guest violist Steven Tenenbom, and the Tesoro with guest violist Ida Kavafian.

Friday, August 30, 6pm at the United Church of Angel Fire is the program 'Prayer for a Departed One' featuring music by John Corigiliano and Richard Danielpour. The concert will finish with the glorious Mendelssohn String Octet.

Saturday, August 31, 2:30pm at Old Martina's Hall in Taos is the final Taos festival concert featuring music by Schubert, Clara Schumann and Brahms.

Sunday, September 1, 3pm at the Angel Fire Community Center is the festival finale - the annual Salon Concert hosted by Toby Appel. This program frequently sells out and we ask and encourage you to purchase your tickets now.

IT'S IDA'S 35TH -- CELEBRATION!

Many thanks to Kathy Mayes and her committee for coordinating a beautiful evening, Thursday, August 22 at the Angel Fire Community Center for "It's Ida's 35 - Celebration." Beef Brisket and chicken were served and attendees brought delicious side dishes. Toby Appel hosted the event, and warm affectionate tributes took place during the evening. Ida was honored and received this year's original artwork by Jennifer Cavan as a gift from the Music from Angel Fire Board and the many who contributed. PASSING THE BATON!

Tara Helen O'Connor and Daniel Philips to lead Music from Angel Fire Friday, August 23rd, MFAF President James Brown announced that long time MFAF artists Daniel Philips and Tara Helen O'Connor agree to lead MFAF as the new Artistic Director Duo beginning in 2020. With Ida's full backing we embrace this succession - keeping the MFAF family strongly intact with uncompromised leadership. Welcome aboard Daniel and Tara! MUSIC IN OUR SCHOOLS Our Young Artists have been busy performing in-school concerts throughout northern New Mexico including PeƱasco, Dixon, Chimayo, Raton, Maxwell, Red River, Questa, and Taos. This week we continue with concerts and activities in Taos, Las Vegas, Espanola and Los Alamos. Two Family | Youth concerts are slated: Friday 10am at Eagle Nest School, and 1pm at Moreno Valley High School featuring the Tesoro Quartet.

If you're traveling from afar and looking for rental properties, please contact our friends at Four Seasons of Angel Fire. 575.377.3711 Let them know we sent you. Music from Angel Fire | 575-377-3233 info@musicfromangelfire.org | musicfromangelfire.org STAY CONNECTED: Like us on Facebook Follow us on Twitter

Mortgage Made Simple

Whether you are looking to purchase first time home, or maybe it has been awhile since you have owned, it's good to do some research and take all the necessary steps to lock in the home of your dreams!

A mortgage payment is normally paid on a monthly basis. It includes a portion of your principal (the total amount of money borrowed) and interest (the price that you pay to borrow money from your lender), and often property taxes, homeowner's insurance, and private mortgage insurance.

1. Get your credit score where it needs to be. Check your credit report to make sure all the information it contains is accurate. If not, contact the credit bureau to correct it. If the information is accurate, find out your credit score.

You can get your score from the credit bureaus- your score will be between 300 and 850, and the higher, the better. Your credit score needs to be at least 620 for a conventional loan and could be as low as 500 for an FHA loan. If your score is lower, you may need a larger down payment or just take some time to clean up your credit while you save.

2. Check your debt-to-income ratio (DTI). Mortgage lenders want to know how much debt you have compared to your income. It's called your debt-to-income (DTI) ratio, and the better it is, the better mortgage you'll get. There are several tools you can use to find your DTI such as Trulia's DTI calculator.

3. Think about your down payment. An ideal down payment in the eyes of a lender is 20% of the home's purchase price. By putting down 20%, you don't have to pay private mortgage insurance (PMI), which is usually between 0.5% and 1% of the loan. This makes your case look better to a lender, but depending on the price of the home, 20% could be out of reach. In fact, most first-time home buyers put down less than 10%. FHA loans allow down payments as low as 3.5%. And some Veterans Affairs (VA) mortgages allow for no down payment.

4. Pick the right type of mortgage. You have a choice of several types of mortgage. One is a conventional (or a regular) loan. Of those, you can choose between a fixed-rate loan and an adjustable-rate loan. There are also government-insured loans, such as a Federal Housing Administration (FHA) loan or a Veterans Affairs (VA) loan. Each varies in terms of interest rates, down payment requirements, and other factors.

5. Get pre-qualified for a mortgage. Getting pre-qualified is an informal process where you just answer the lender's questions, such as how much you make and what you owe. Based on the information you provide the lender, they'll let you know whether you'll qualify for a mortgage and for what amount.

6. Get pre-approved for a mortgage. When you are serious about buying a home, you'll want to be pre-approved for a mortgage, which is a more involved process than pre-qualification. You'll submit paperwork that will verify your employment and income, as well as a number of other documents that detail your financial life. You can find a list of common documents you'll need in our guide on mortgage pre-approval. If you get pre-approved, you can let sellers know. They'll then consider you a serious buyer.

7. Pick a mortgage lender and apply. After you've found the home you want and have your offer approved, it's time to get official by applying for your mortgage loan. You don't have to apply to one of the mortgage lender?s that gave you pre-approval, but if you're happy with one of them, apply with that lender. If you want to keep shopping, go for it. Even a small difference in the interest rate can save you thousands of dollars over the lifetime of your loan. There will be lots of paperwork to gather and turn in for your loan. Get as prepared as you can to avoid delays.

8. Close on your home. If your loan application is approved, the next step is closing on your home. The mortgage becomes official on the day you close. To be ready on the big day, you'll need a pen and the funds for your closing costs and down payment, typically in the form of a cashier's check. Closing costs will be 2% to 5% of the total cost of the home, and you'll find out the exact amount on your Closing Disclosure at least three days before you close. There will be lots of paper signing, but there shouldn't be any surprises at this point. Sign your name, get your keys, and find out when and to whom you should make your first month's mortgage payment.

Call New Mexico Mountain Property for all your real estate needs! Whether you are looking to buy a Taos home for sale or a Condo in Taos, call 575-758-5852 for Paula or call 575-377-2626 for Homes for sale in Angel Fire or an Angel Fire condo for sale. Let our expert brokers help you find the home of your dreams! We look forward to serving you!

Cool Summer Escape!

Every season is a great time to visit beautiful Angel Fire, but if you are looking to escape the summer heat...the valley is the place to be!

With our daily rain showers and cool breezes keeping things fresh, it's the time to soak up the summer in our little village. While you're here, consider staying awhile! We have had many homes and land parcels that have been reduced and are ready to sell! It's a great time to buy your dream home in Angel Fire or find some Angel Fire land for sale. There are also many condos for sale in Angel Fire so you always have a getaway... Whether it's from the heat, for skiing in the Angel Fire Resort area or just a weekend away with friends and family, let our expert brokers at New Mexico Mountain Properties help you with all your real estate needs!

Call 575-377-2626 or 575-758-5852 for Paula and let us help you make this summer slice of heaven a year round escape for you!

4th of July Mountain Majesty

Will you be in the area this 4th of July? There is so much to do to celebrate the wonderful USA that we live in! As you are spending time with family, watching fireworks and enjoying wonderful picnics, take some time to see the other stunning sights in the area, including all the Angel Fire land for sale or homes for sale in the area. Many parcels have recently been reduced and there is a large selection to choose from.

Whether you are looking for a home in Angel Fire that is already built or you want to build your dream home on an Angel Fire lot with fabulous views, our knowledgeable brokers at New Mexico Mountain Properties can help! Come find a condo for sale in Angel Fire or if you are looking for commercial property for sale, we can help you find exactly what you are looking for in the beautiful valley!

Call 575-377-2626 for Angel Fire land or homes for sale or call 575-758-5852 for Paula in Taos. We also have Taos land for sale as well as Taos condos or lovely adobe homes in Taos as well. Whatever your needs are, we can help guide you in all your real estate needs!

https://www.angelfireresort.com/4th-july-angel-fire/

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