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First Time Homebuyers: Santa Fe, Tesuque and Las Campanas New Mexico home buying, real estate listings, and homes for sale in Santa Fe County, NM

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Santa Fe, Tesuque and Las Campanas real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, I 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. We'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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	About Your Move
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Making An Offer >Keeping Your Earnest Money Safe

When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?

The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.

If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.

	See All Tips In The "Making An Offer" Category >
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Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Prestigious and Elegant..... Santa Fe Historic Eastside living, private and secluded, yet just steps from galleries, restaurants , museums and the Plaza! For more information click here >

Karen Wolfe-Mattison, REALTORŽ, real estate agent and broker for Santa Fe, Tesuque and Las Campanas New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Karen Wolfe-Mattison
Sotheby's International
231 Washington Ave.
Santa Fe, NM. 87501
Karen, cell: 505-577-2245
Fax: 505-212-0149
Email: santafetoprealtors@NUMBER1EXPERT.com
I pride myself on my "can do" positive attitude, enthusiasm, creativity and sense of humor to keep things in perspective. Karen, in her 19th year as a real estate specialist offers her expertise and formidable negotiation skills in assisting buyers in search of their Santa Fe dream home. Karen has been a sales leader on the historic Eastside. As one of America's NUMBER1EXPERTS in the Santa Fe City area, Karen is well equipped to guide you through all your real estate needs. Call or email her today!


This Web site is not the official Web site of Sotheby's International Realty, Inc. Sotheby's International Realty, Inc. does not make any representation or warranty regarding any information, including without limitation its accuracy or completeness, contained on this Web site. Equal Housing Opportunity.

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