Traditionally, your mortgage payment is a monthly cost. But many mortgage lenders also offer biweekly mortgage payment plans that allow you to pay in installments every two weeks instead of every month. Biweekly payment plans sound simple and straightforward: You pay biweekly instead of monthly and reduce the balance on your loan faster. In theory, by using one of these plans, you pay less interest over time, build equity faster, and get rid of your mortgage ahead of schedule. Unfortunately, these mortgage payment plans don't always work as well as they claim. What actually happens is that you send in your biweekly payment to the company servicing the loan, and then they hold your payment until the second one arrives. Only after the company has the full monthly payment amount do they apply the money to your mortgage -- which means as far as the mortgage company is concerned, you're still making one payment per month.

In effect, this saves you nothing in interest because your funds are still only being applied as if you were making monthly payments. Worse still, some biweekly mortgage payment plans can actually ending up costing you more money, because the companies that offer these plans often charge additional fees to handle and deliver the payments for you. If you know you have an extra $100 in your budget each month, tack that on to your payment. For example, on a $100,000 loan (assume a 30-year fixed mortgage and 4% interest), paying an extra $100 a month can cut approximately 8.5 years off the life of the loan -- and save $22,463.76 in interest. That's some serious cash.

Another option? Create your own biweekly payment plan. By skipping the third-party processing (and the fee they add on for doing so), you'll end up making an extra payment each year that you wouldn't make if you paid monthly. You can also continue to pay monthly but make one extra mortgage payment at some point during the year to get the same result. Anytime you have extra money on hand -- from a tax return, bonus from work, or gift -- you can apply these funds to your mortgage too.

Just be sure that any extra payments you make are applied to the principal of your loan, not just the interest. You'll also want to ensure that the terms of your mortgage will not leave you with a prepayment penalty should you pay extra or early.

With that in mind when you are ready to buy a home or condo in Angel Fire or Taos Ski Valley that puts you close to the slopes we are here to assist you with your Real Estate needs. Perhaps you want to live in an Earthsip we have many to choose from. Are you looking to build your dream home? We have many lots or larger parcels to choose from in Taos and Angel Fire. If you cannot locate the house, condo or land you desire, on our website, you can access the Taos/Angel Fire MLS from our website. We are dedicated to bringing you the best in Real Estate throughout the Enchanted Circle. For your Real Estate needs in Taos call us at (575) 758- 5852.Looking to buy or sell Real Estate in Angel Fire our number is (575)377- 2626. Our warm and inviting staff of knowledgeable agents go that extra mile to find exactly what you desire. To speak directly to a broker call Paula at 575-770-3306. We are here to welcome you to our growing community.

Information obtained from Trulia

Monday, March 13th

2-4 p.m. Toast some marshmallows and make S'mores on the Deck!

Tuesday, March 14th

9 a.m.-4 p.m. Cruise the Blues-Grab some buddies and ski the blue trails. The more you ski the better your chances of winning prizes! Check in at the summit tent!

5-8 p.m. Live Music from Groundhog Gravy in the Village Haus!

Wednesday, March 15th

9 a.m.-4 p.m. Scavenger Hunt- Snap a picture at all the scavenger hunt locations to be eligible to win prizes! Sign up is located on the deck by the ticket office.

Thursday, March 16th

11 a.m.-2 p.m. Hawaiian Theme Day with a BBQ on the Deck!

Friday, March 17th

8:30-11:00 a.m. Bacon, Eggs, and Kegs in the Village Haus!

2-4 p.m. Live music on the Deck from Donohoe & Grimes!

4-9 p.m. Green Beer Special in Legends Grill!

7:30-9:30 p.m. The Mysto Mysto Show

Saturday, March 18th

2-4 p.m. Live Music on the Deck from Pigment!

With so much fun happening in Angel Fire don't you want to buy property and live in Angel Fire? With amazing homes for sale in Angel Fire you are sure to find that perfect destination property that puts you close to the slopes? When it comes to buying and selling a vacation home or condo in Angel Fire, use a local real estate agent like New Mexico Mountain Properties. We are dedicated to bringing you the Best of Real Estate in the Enchanted Circle.

So when looking for the best Angel Fire Real Estate let us help you find your dream home. Land for sale in Angel Fire might be what you are looking for to build your perfect vacation home. Perhaps you desire to sell your Angel Fire property whether it be lot, land, home or condo we are the Angel Fire Real Estate company to call.

Whatever you fancy, we are here to assist, our knowledgeable agents go that extra mile to find exactly what you require. Call us at 575-377-2626 in Angel Fire or to speak directly to a broker call Paula at 575-770-3306. We are here to welcome you to our growing community.... The mountains are calling!!!!

Information obtained from Angel Fire Resort

Keep Your Eyes Peeled:

Put away the Legos. Clear the desk clutter. Vacuum up the dog hair. Nearly 74 percent of real estate agents said that the cleanliness of a home is the most important sight-based feature to home buyers. Someone looking for a new home doesn't want to have to use their imagination to determine if the house is a fit for their lifestyle.

The Smell of Home:

Vanilla and fresh scents (think mountain air or clean laundry smell) are the most popular and appealing fragrances when staging a home. In fact, vanilla is such a powerful scent, studies have shown it's linked to positive nostalgic memories, reducing stress and anxiety and producing a sense of calm.

First Impressions Make a Lasting Impression:

While the majority of real estate agents said the most important rooms to focus on staging are the kitchen and living rooms, they emphasize not to forget about the entryway. The look and feel of the entryway is the first opportunity to make a full sensory impression on the home buyer. Additionally, homeowners should consider incorporating ambient music, fresh flowers, and a clear path to the rest of the home.

Color Correction:

Bright or funky color palettes such as reds, oranges, and yellows are the least appealing. Instead, neutral colors such as eggshell, white, and ivory are the most appealing because they represent a clean, blank canvas. The dominant senses of selling a home are sight and smell, so focus your efforts on fresh, calming fragrances, a neutral color palette, and an inviting first impression as potential buyers walk in the door.

So are you interested in selling or buying Taos or Angel Fire Real Estate we are the company to contact.Is it land in Taos or Angel Fire that you desire? We have many lots or larger parcels to choose from. Maybe you are searching for the perfect Angel Fire or Taos Ski Valley condo that puts you close to the slopes? We are here to help with all of your Angel Fire or Taos Real Estate needs. Perhaps you are desperate for the perfect Taos condo, house or Earthship to feed your creative side. Call us in Taos at (575) 758-5852 or in Angel Fire call (575) 377-2626 our warm and inviting staff of knowledgeable agents go that extra mile to find exactly what you desire. We are dedicated to bringing you the Best Real Estate throughout the Enchanted Circle. To speak directly to a broker call Paula at 575-770-3306. We are here to welcome you to our growing community.

Information obtained from Trulia

Are you worried that a low credit score will affect your dream of owning a home? Check out these four tips to buy a house even with a low score.

Save a larger down payment

This would likely mean a down payment of 20% of the home value or higher.

Go with a FHA loan

Know what to emphasize to a lender

For instance, showing on-time rent payments for a year or more, or cash reserves of at least six months will help portray you as a less risky loan candidate.

Try a private mortgage Private loans can come from any party with the available funds to pay for your home purchase in full, upfront -- e.g., a family member, friend, or private lender.

Maybe you are searching for the perfect Angel Fire or Taos Ski Valley condo that puts you close to the slopes? We are here to help with all of your Angel Fire or Taos Real Estate needs. So are you interested in buying or selling Taos or Angel Fire Real Estate we are the company to contact.Is it land in Taos or Angel Fire that you desire we have many lots or larger parcels to choose from. Perhaps you are desperate for the perfect Taos condo, house or Earthship to feed your creative side. Call us in Taos at (575) 758-5852 or in Angel Fire call (575) 377-2626 our warm and inviting staff of knowledgeable agents go that extra mile to find exactly what you desire. We are dedicated to bringing you the Best Real Estate throughout the Enchanted Circle. To speak directly to a broker call Paula at 575-770-3306. We are here to welcome you to our growing community.

Information obtained from Trulia

... The mountains are calling...It's never too late to learn the love of winter sports and no better time or place than right now... With the FREERIDE WORLD QUALIFIER happening at Taos Ski Valley and Fiesta del Sol Spring Break Celebration in Angel Fire you might as well move to the Enchanted Circle. Welcome to Heaven on Earth. Something exciting is always happening in our neighborhood. There is a fresh blanket of snow over the mountains. The sun is shining birds are singing,the only thing missing is you. With that in mind when you are ready to buy a home or condo in Angel Fire or Taos Ski Valley that puts you close to the slopes we are here to assist you with your Real Estate needs.Perhaps you want to live in an Earthsip we have many to choose from. Are you looking to build your dream home we have many lots or larger parcels to choose from in Taos and Angel Fire. If you cannot locate the house, condo or land you desire, on our website, you can access the Taos/Angel Fire MLS from our website. We are dedicated to bringing you the best in Real Estate throughout the Enchanted Circle. For your Real Estate needs in Taos call us at (575) 758- 5852.Looking to buy or sell Real Estate in Angel Fire our number is (575)377- 2626. Our warm and inviting staff of knowledgeable agents go that extra mile to find exactly what you desire. To speak directly to a broker call Paula at 575-770-3306. We are here to welcome you to our growing community.

Before you plan to spend the maximum amount you've been approved for, consider whether you can really afford the mortgage your lender offers. Here's how to determine how much of a mortgage payment your budget can handle each month.

Calculate your true monthly cost

If you want an in-depth look at your potential mortgage payment, look for a mortgage calculator that includes costs like homeowners insurance or property taxes.

Know the legal limits on lenders

According to the Mortgage Reform and Anti-Predatory Lending Act, a section of the Dodd-Frank Act of 2010, any entity lending money for a mortgage cannot underwrite the loan unless they determine you can reasonably repay it.

Your mortgage should take up no more than 28% of your monthly income

You can use 28% as your rule of thumb too when making a budget for buying a home. Here's an easy formula: Multiply your monthly income by 28, then divide that by 100. The answer is 28% of your monthly income.

Maybe you are searching for the perfect Angel Fire or Taos Ski Valley condo that puts you close to the slopes? We are here to help with all of your Angel Fire or Taos Real Estate needs. So are you interested in buying or selling Taos or Angel Fire Real Estate we are the company to contact.Is it land in Taos or Angel Fire that you desire we have many lots or larger parcels to choose from. Perhaps you are desperate for the perfect Taos condo, house or Earthship to feed your creative side. Call us in Taos at (575) 758-5852 or in Angel Fire call (575) 377-2626 our warm and inviting staff of knowledgeable agents go that extra mile to find exactly what you desire. We are dedicated to bringing you the Best Real Estate throughout the Enchanted Circle. To speak directly to a broker call Paula at 575-770-3306. We are here to welcome you to our growing community.

Information obtained from Trulia