Headed to the mountains for a romantic Valentine's Day getaway or a Spring Break vacay? It's not too late to plan some time in the beautiful Taos Ski Valley or Angel Fire Resort, but we have to warn you...once you get here you are not going to want to leave! So why not Ski Today...Stay Forever?

While you are here, let one of our expert brokers show you some Taos Real Estate or Angel Fire Condos. We can help you envision how to make these weekend getaways frequent and fun with friends and family when you own property in the Angel Fire Ski Resort or if you purchase a condo for sale in Taos. Winter, Summer, Spring and Fall are the best time of year in the beautiful Sangre de Cristo Mountains! Call us at our Taos office @ 575-758-5852 and let us show you the best in Taos Real Estate. Whether you are looking for condos for sale in Taos, Taos ski mountain properties or land in the Taos vicinity, we can guide you through every step of the process and we are happy to work with your schedule while you are visiting. If you are looking for Real Estate in Angel Fire, call our office @ 575-377-2626. We can show you condos in Angel Fire, property in Angel Fire Resort or surrounding areas. Let us help you find the Angel Fire real estate for sale that can be your home away from home! We look forward to serving you!

While you are here, check out a few special events going on in the area:

-Valentine's Day Spa Special @ the Spa & Wellness Center at the Blake Call and schedule a relaxing spa or aroma therapy treatment for you or a loved one 575-776-5340

-B inspired Festival: Come join us for a full day of conversation with fellow Certified B Corps, Protect Our Winters athletes, and Governor Lujan Grisham. Free event 2/14/2019

-Rising Appalachia Concert: Finish off the B Inspired Festival with an intimate concert opening with Concepto Tambor located in the Taos Tent off of Thunderbird Road. Tickets are $10 when purchased in advance or $15 on the day of the event. 2/14/2019

For more events in the area, check out skitaos.com/events

You've endured the long road to purchasing your new home and the end is finally in sight! Closing day is close at hand, but hopefully you did some preparation for your closing costs ahead of time.

Truthfully, the best time to study closing costs is when you are shopping for a lender and comparing interest rates. Using a closing-cost calculator can also help you determine what your costs might be, and then you can decide if you are going to pay them up front or finance them into your mortgage. What are closing costs?

Closing costs are lender and third-party fees paid at the closing of a real estate transaction that can be financed or paid up front. They range from 2%-5% of the purchase price of a home.

Recurring Costs: Ongoing expenses you will continue to pay as a homeowner and are placed in your escrow account, which can also be viewed as a forced savings account for upcoming home expenses you will be facing. These can vary, but most commonly include: -property taxes -homeowners insurance -prepaid loan interest -title insurance

Nonrecurring Costs: Fees paid to your lender and other professionals involved in the transaction: -home inspection fees -discount points you're paying upfront -an origination fee, charged by the lender to process loan -document prep fee, which covers the cost of preparing your loan file for processing -appraisal fee, which covers the cost of a professional estimating the market value of the property -survey fee for verifying property lines -underwriting fee for the cost of evaluating and verifying your loan application -credit report fee for pulling your credit scores -title search and recording fees -wire transfer fee for wiring funds from the lender to your escrow account.

It is very important to do your homework ahead of time so there are no surprises on closing day and you can walk away with your keys in hand, ready to begin your adventure in the home of your dreams!

If you are looking for real estate for sale in Taos, either a home in town, a condo near the Taos Ski Valley or land to build the adobe home you have dreamed of, call the expert brokers at New Mexico Mountain Properties in Taos. Call 575-758-5852 or stop by our office at 502 Camino Cortez. We look forward to serving you! We offer you the Best in Taos Real Estate. If you are looking for the beauty of an alpine setting, real estate in Angel Fire may just be the ticket. Whether you are searching for a townhome or condo within walking distance of the Angel Fire Resort, a home with a view of the beautiful mountains that surround Angel Fire or acres of land to purchase and build a family home you can use for generations, we are here to help! Our brokers know this area best and can help you narrow down your options to perfectly fit your lifestyle and your needs. Call our offices in Angel Fire at 575-377-2626 and let our brokers guide you through this process and take care of all the details. Come see us at 27585 HWY 64 in Angel Fire at the log cabin with the Native American tipi out front.

The hardest part of buying a home can be saving for the down payment. A 20% down payment can easily be $30,000-$50,000 on a modest home purchase and while that is ideal, it is often not possible to come up with. Is there a solution for affording your dream home? One possibility is a zero-down mortgage.

A zero-down mortgage is a loan that covers the entire purchase price of the home. This frees up funds for your home search and provides an easier way to secure a loan. A conventional mortgage generally requires a down payment between 5% and 20% of the home's selling price. A zero-down mortgage is a great option for someone wanting to get in a home quickly while paying down other debt as well.

While this option may be hard to find, there are two options for zero-down mortgages: A VA Home Loan from the U.S. Department of Veterans Affairs, and a USDA loan from the U.S. Department of Agriculture. • VA loans don't require private mortgage insurance and have low closing costs, in addition to not requiring a down payment. To qualify, you'll need a Certificate of Eligibility from the VA, have a good credit score, and meet the requirements for income. This loan isn't completely free, though: You could pay a 1 percent loan origination fee and costs relating to the purchase (such as appraisal and inspection fees). The main requirement for the property is that the selling price isn't higher than the appraisal price.

• USDA loans offer low interest rates for low- to moderate-income potential home buyers with good credit looking to buy a home in designated rural areas. The two most popular USDA loans are Single Family Direct Home Loans (designed for low- to very-low income applicants) and Single Family Guaranteed Home Loans (designed for low- to moderate-income applicants).

For USDA Single Family Direct Home Loans, the property generally has to be 2,000 square feet or less, can't have an in-ground swimming pool, and can't be designed for income-producing activities. USDA Single Family Guaranteed Home Loans have few requirements other than the property existing in an eligible area, and the home has to be occupied by the applicant as their primary residence.

As with all things, check your pros and cons: there may be a down side to a zero-down mortgage... For VA Loans, your interest rate may be higher than a conventional loan. For USDA loans, private mortgage insurance may be required, which is a monthly payment between 0.5 and 1 percent of the loan. However, for those with bad credit, neither of these options will work.

If you are looking for some options to buy in the Taos or Angel Fire areas, highly qualified Brokers at New Mexico Mountain Properties are ready to assist you.

In Taos, call 575-758-5852 to find that special Taos Pueblo style adobe home for sale. Perhaps a Taos condo in the heart town may be more to your liking or property closer to the Taos Ski Valley may better suit your plans. We can help you choose the right location for your lifestyle and your needs. Our Brokers will be there every step of the way!

If you are looking for property in Angel Fire, call 575-377-2626 and our Angel Fire Brokers can help you choose an area of town that is perfect for you! If you qualify for a VA loan and are interested in an Angel Fire home or a condo for sale in Angel Fire, you must visit the beautiful Veteran's Memorial and Memorial Hospital that is under construction. Veterans are an integral part of and our Angel Fire community. We are very involved in honoring our service men and women. Look for our Angel Fire office off Highway 64 beside the Native American tipi at the blinking light. We look forward to serving you!

Are you looking to buy or sell a home in the near future? If so, this is one of the most important financial decisions you will make in your life. Whether you are a first time home buyer, considering purchasing an investment property or second home, it is crucial to find an expert real estate broker to guide you through the process.

As soon as you decide it's time to buy or sell, begin seeking a knowledgeable and trusted Realtor. Gather referrals from friends and neighbors, social media reviews and community groups. Identify your real estate needs, and see which agents have specializations in areas of interest to you. Location-specific experts with the inside track on homes that are about to hit the market are going to have a wealth of information to suit your needs.

Once you have chosen a few candidates, meet with them in person or over the phone to ensure the right fit for your top priorities. Be sure and cover basic information such as how long have they been a Realtor, how they typically communicate with clients, recent sales, average time frame for sales from start to finish and their areas of strength.

To ensure understanding of the legal agreement, it is important to discuss the contract details with your chosen broker such as the length of the commitment, commission rates and specific conditions or clauses that a broker might have. Most contracts are standard, but you will want to confirm details of your relationship with your broker ahead of time so that there are no surprises.

Are you looking for a broker to help you buy or sell a home, land or business in Angel Fire or Taos? We have trusted and knowledgeable brokers who can guide you through every detail from first time home buyer, to a seasoned buyer looking to add to your profile.

In Taos, call 575-758-5852 to see Taos land for sale, condos near the Taos Plaza or the Taos Ski Valley or perhaps a Pueblo-style Taos home may be what you are looking for. Whatever your taste or budget, we can find the right Taos property for you. If you prefer the beautiful Alpine setting of Angel Fire, let us help you find a fully furnished Angel Fire home ready to move in, land near Angel Fire to build the home of your dreams or an Angel Fire condo for those fun family getaways. In Angel Fire, call 575-377-2626 or stop by our log cabin office on Highway 64 and 464 at the blinking light with the tipi out front! We look forward to serving you and giving you the quality experience you deserve.

Everyone loves a bargain, and in the real estate world there are deals which can be great investments... if you understand the risk involved. It is important to do your homework when considering the purchase of a foreclosure. Understanding how the process works and knowing that the homeowner/ borrower has defaulted on their loan payments for 3-6 months which begins the pre-foreclosure process is the first step.

There are several ways a foreclosure can play out: -The borrower can pay off the default in the pre-foreclosure stage and no foreclosure takes place -The borrower can sell property to a third party and negotiate terms which prevent the borrower from having a foreclosure on their credit history -A public auction or short sale is held and the property is sold at the end of pre-foreclosure -The lender can buy back the property from the borrower either at auction or through an agreement during pre-foreclosure and try to resell it

If you choose to buy during pre-foreclosure, approaching the borrower and offering to buy the property outright will yield the largest profits and ability to negotiate a favorable outcome for all. Make sure you navigate through this process by following a few simple, yet crucial steps: -Prepare your resources: loan pre-qualifications, enlisting the help of an agent if needed -Confirm property status: Call the listed trustee to ensure owners have not paid off amount owed, sold the property, or that is up for public auction -Evaluate bargain/investment potential: Subtract outstanding liens and loans from the estimated market value to determine accurate equity -Contact the owner: unless it is on MLS, contact directly to express interest -Negotiate a purchase agreement and close the deal: ideally during pre-foreclosure (to protect the borrower's credit and something to show for the property equity), you will negotiate a deal before the property is put up for auction

If you buy after pre-foreclosure, there are two options: -Public Auction: Cash pay, with minimal research or knowledge of condition beforehand, but offers the potential of the best bargains -Bank-Owned: Lender will re-sell property to recover the unpaid loan amount and will sell with a clear title. Typically, the bargain potential is less that a pre-foreclosure sale or an auction

The foreclosure process can be a bit daunting.... allow our knowledgeable brokers at New Mexico Mountain Properties in Taos and Angel Fire assist you through the foreclosure process should you decide to go that route and the property is listed on the Multiple Listing Service.

If a foreclosure is not for you, we can you find a property that suits your budget, your interests and your life! We can help you explore all the options and find what you are looking for whether it is a condo in Taos, Taos land for sale or a home for sale in Angel Fire, we are here to help. In Taos, call 575-758-5852, or in Angel Fire @ 575-377-2626 – Our Angel Fire office is located in the log cabin conveniently located at the blinking light on Highway 64 and 434 with the big tipi out front. Our Taos office is located at 502 Camino Cortez, just down the street from Walgreens.

1. Old inventory may mean deals: Sellers put their homes on the market during the spring time but tend to list them to high. Which cause them to have fewer chances to attract buyers. Buying a home in the fall gives you more negotiation strength.

2. Fewer buyers are competing: During the school season not many families shop around for homes. So you're likely to have less competition, more buyer's opportunities to make an offer.

3. Sellers want to close by the end of the year: Look for listings that homeowners offer incentives to close before the end of the year.

4. The holidays motivate sellers: Sellers often are eager to sell their homes before the holidays approach.

5. Harsher weather shows more flaws: Fall and winter months reveal flaws, making it a great time to do a property inspection see a home's true colors.

During the fall season see our listings in Taos real estate featuring Taos homes and Taos condos that are for sale. By reaching out to the New Mexico Mountain Properties realtors in Taos, we are here to answer your questions at 575-758-5852. The market slows down in late summer but picking up again in the fall to give you a chance to see the Taos real estate market for that great land you been searching for. Our expert real estate brokers at New Mexico Mountain Properties will assist you with questions you may have call us at 575-758-5852.

Wouldn't you like to see spectacular Angel Fire during the....the Aspen glow in the mountains that brings out that autumn color? Angel Fire has experienced real estate brokers to help you find that Angel Fire acreage land for sale. Call us here at New Mexico Mountain Properties at 575-377-2626. Perhaps you would like to see what condos are for sale in Angel Fire? The Angel Fire real estate market has luxury homes on the market as well that might interest you. Our Angel Fire real estate realtors can assist you with any question you have call us at 575-377-2626.

Whether you are looking for Taos real estate or real estate in Angel Fire, we can certainly assist. Call our Taos office at 575-758-5852 or our Angel Fire office at 575-377-2626.

We are here to assist you and welcome you to our community.

1. Inspection contingency: A home inspection contingency is recommended by real estate agents that you will get a licensed home inspector to check the property within a specified period (typically seven days) after you sign the purchase agreement. This is will give you vital information on any issues that may not be easily seen when you first look at the house. Inspectors will check out the heating, electric, the roof etc. and make suggestions for repairs that are necessary.

2. Financing contingency: is to ensure that if you can't obtain a loan, you'll be able to get your earnest money deposit back if for any reason you are unable to obtain financing. The clause specifies that you have a certain number of days within which to get your mortgage approved by your lender.

3. House-sale contingency: prior-sale contingency in the contract for your new home provides an opportunity to withdraw your offer if the offer on your existing home does not sell by a certain date. It depends upon how the offer is written whether your earnest money deposit will be refunded.

4. The appraisal contingency: the appraisal should come in within 5% of the sale price. If the appraisal comes in much lower than the agreed upon price, you have the right to renegotiate with the seller.

Come to the Land of Enchantment and we at New Mexico Mountain Properties will assist you to find that perfect piece of Taos real estate. Whether you are looking for Taos homes or condos for sale in Taos, our New Mountain Properties real estate brokers can help you find the right Taos property for you. Or....allow us to find you a Taos lot for sale or even larger Taos acreage to build your dream home. Our real estate brokers are experts on finding the perfect Taos land for sale for you. You can contact us at our Taos real estate office 575-758-5852 or check out our website www.highmountainproperty.com.

Angel Fire is known for its great weekend getaways or vacation trips with a variety of activities to do year round. While enjoying the beautiful outdoors why not look for your next Angel Fire land to build a home. We have everything from small lots within the Angel Fire Resort to 10-20 acres in our spectacular communities of Taos Pines Ranch and Hidden Lake. New Mexico Mountain Properties real estate brokers are here to assist you so give us a call at our office in Angel Fire at 575-377-2626. We are committed to helping you find an Angel Fire condo or an Angel Fire home for sale that will suit your needs. Call us at our Angel Fire office at 575-377-2626.

New Mexico Mountain Properties has a new APP that you can download for FREE which will give you access to all real estate listings in Taos, Angel Fire, Red River and beyond! https://webapp.mobileappco.org/m/NewMexicoPropertyApp/

Coming soon... Flights from Austin and Dallas directly to Taos! Starting just in time for the holidays and great skiing, flights will start on December 20th. Taos Ski Valley purchased a 30-seat passenger jet which will offer the fastest, closest route to the Rockies from Texas.

According to Mayor Daniel Barrone" "With the new runway in place, we are committed to positioning the Taos Regional Airport as an economic driver for Taos County and Northern New Mexico. To that end, we are working with the state and our regional partners to develop and fund year-round, long-term air service."

Flight will continue from December through March 2019. Leaving Thursday, Saturday, Sunday and holiday Mondays. Tickets can be purchased at skitaos.com/taos-air.

The Taos Ski Valley will be offering complimentary ground shuttle rides to/from Blake Hotel for all those who use Taos Air.

While you are enjoying our world-class skiing, you may want to stay and make Taos your home. Take a look at our Taos real estate market for homes for sale or perhaps a Taos condo for those ski getaways may be more to your liking. Our New Mountain Properties real estate brokers are experts that can help you find the right Taos property for you. Check out our beautiful land for sale in Taos. We are here to serve all your Taos real estate needs. Call our brokers at our Taos real estate office at 575-758-5852.

We also have an office in Angel Fire in case Angel Fire real estate is what you are looking for. Whether you are looking for an Angel Fire home for sale, an Angel Fire condo, or some of our fabulous Angel Fire land for sale... at New Mexico Mountain Properties, our Angel Fire real estate brokers are here to assist you with questions. Give us a call at our office in Angel Fire at 575-377-2626.

Ski today...Stay forever!

1.Getting too emotionally attached:

• Try finding "several homes you love so that you're not too emotionally invested in one."

2.Finding the home yourself:

• Just don't only rely on your brilliant research skills or the many real estate sites.

• Contact an experienced Realtor and allow he/she to vet homes for you.

3.Assuming you have no rules to follow as a homeowner:

• Some homes have restrictions that come with conditions.

• Restrictions vary, depending on where you're buying your home.

• Make sure you are aware of all covenants and restrictions that may apply to each listing.

4.Not saving enough money:

• Saved up enough money for a down payment. That's a huge accomplishment.

• It has been suggested that buyers have two to three months' worth of mortgage payments in reserve.

5.Pre-approved for a loan:

• Get proof of income and assets in the form of a pre-approval letter from a lender.

• This process simply means that the lender has looked through your financial situation and is comfortable with lending you a certain amount of money.

6.Paying private mortgage insurance (PMI):

• If you don't put down at least 20%, you may have to pay PMI.

• If you do, be sure to let your lender know what you have paid down. So that you only owe 80% of the homes' value.

• Your lender will cancel your PMI so that you don't have to pay a month more of PMI than necessary!

7.Not checking the price of homeowner's insurance:

• Homeowner's insurance pays to repair or completely rebuild your house if necessary.

• Policies and premiums vary so shop around for several insurers to find the best deal for you.

8.Not checking your credit score:

• Check your credit score at least three months prior to searching for a new house.

9.Not getting a home inspection:

• Homebuyers may want to skip this step, but all homes need inspections, even brand-new ones. There could be hidden issues with the home that only a licensed inspector will uncover.

• Don't be afraid to speak up and get issues fixed before you sign those settlement papers.

Most people are drawn to Taos for its history and culture. While enjoying a day in the Land Of Enchantment, why not see what land is for sale in Taos for you to build your Taos dream home. Our New Mexico Mountain Properties real estate broker's level of knowledge and professionalism of the Taos real estate market can help you choose a Taos home or Taos condo of your choice. Call us at our Taos office at 575-758-5852. Our Taos real estate brokers are here to assist you.

The Angel Fire area may also offer that perfect opportunity for you to own a home in Angel Fire or perhaps an Angel Fire condo may just be what you are looking for. Give us a call here at our Angel Fire office at 575-377-2626. There is also a great selection of Angel Fire land for sale. Our Angel Fire real estate brokers here at New Mexico Properties can assist you with any questions you may have. Give us a call at 575-377-2626.

It's easy to get tripped up by the first hurdle when you're thinking of buying a home. For your new home search a zero-down mortgage can free your funds. What is a zero-down mortgage you ask? It's a loan that covers the entire purchase price of the home.

There are two options for zero-down mortgages. VA Home loan don't require private mortgage insurance, and having low closing cost. VA loans the main requirement for the property is that selling price isn't higher than the appraisal. However the interest rate maybe higher than a conventional loan. USDA loans offer low interest rates for low to moderate income potential home-buyers. USDA loans have to be used on homes that are eligible in rural areas. USDA loans require a monthly payment that is between 0.5- 1 percent of that loan.

If you are interested in looking to buy a home in Angel Fire or maybe an Angel Fire condo for sale, just give us a call here at New Mexico Mountain Properties at 575-377-2626. Our experienced Angel Fire Realtors are here to assist you. We also have great Angel Fire land for sale, from small lots within Angel Fire Resort to larger acreage from 10-20 acre parcels to large ranches for sale near Angel Fire.

If you are looking to buy a Taos home or condo for sale in Taos we also have an office in Taos to serve your Taos Real Estate needs. Land for sale is also an excellent option for you to build the Taos home of your dreams. Call our Taos Real Estate Brokers at 575-758-5852 and we will be happy to assist you to find that perfect Taos property.