Photos from Evelyn Bruder, CRS, GRI, ABR, E-PRO
The Organ Mountain are the view highlignt of Las Cruces. Ever changing in color, these "Golden Organs" are a reflection of the sunset.Located in: Las Cruces, NM
Thursday's Blog post was financing issues for first time homebuyers. Tomorrow is Cinco de Mayo and we will present our visit to Old Mesilla for the celebration of that holliday. But, before we present "The Pros and Cons of homeownership" for our first time homebuyers, I want to present what I consider to be extremely important information for current homeowners.
Mortgage Interest Rates are their lowest levels
since they began being recorded in 1971
These graphic images show this fact very dramatically.
Rates from 1971 to April 2009
Weekly Rates January, 2006 until April 23, 2009
Though the yellow notes are difficult to read the pictures speaks loud and clearly about the interest rate for 30 Year Fixed Rate Mortgages.
As of this writing April 30,2009, interest rate for 30 Year Fixed Rate Mortgages reported by Freddie Mac 4.78% with 0.7 points. This is the absolute lowest rate ever.
Everyone who has a mortgage on real property owes it to themselves to at least look into refinancing that mortgage.
I have provided a Mortgage Refinance Calculator. It is the best one that I could find. It is very comprehensive in its calculations and reports. Use the calculator. Do as many scenarios as you want. See whether you think refinancing your current mortgage may be beneficial. Then, and I can't stress this too much, you should check with your accountant, financial advisor, Mortgage Company, and banker to determine what is best in your specific situation.
NOTES- Approximate values to use: You should figure on 1% of the Mortgage amount for Origination fee and 0-points, and additional closing costs are about 2% of the amount of the new Mortgage. After entering all the figures into the calculator press CALCULATE then press VIEW REPORT. Read the report below the graph completely.
You will get 4 break even points. It is best for you to use #2 or #3. #2 represents the number of months it will take for your interest and PMI savings at the new lower interest rate to exceed your closing costs. #3 Represents the number of months it will take for your interest and PMI savings to exceed your closing costs taking into consideration that you your actual closing costs are greater than stated because they were funds you aquired after having paid taxes. The result for #3 accounts for your tax liabilities.
If are unable to use the calculator, if the results and discussion are unclear, or if you have any questions at all, we are available at any time personally, or by phone or email.
Before you rush out and expect to get your mortgage refinanced, we want to provide you with this information:
"8- things you should do before you refinance."
Your Las Cruces, E-pro Certified, Internet Professional,
Evelyn Bruder, CRS, GRI, ABR, Cyberstar
http://www.homeslascruces.com
E-mail: evelyn@lascruces.com
Be sure to visit our Blog: http://www.lcrealestateblog.com
CALL ME: 575-650-7224
TOLL FREE direct line: 1-888-532-9069
OFFICE Direct Line: 575-532-2211
Steinborn Inc. Realtors, GMAC
Office number: 1-575-522-3698
Hi, I hope you enjoyed our second blog and video of the La Vina Wine Festival. Stay tuned, on tuesday, Cinco de Mayo we will present our blog and video of this weekend's festivities in Old Mesilla.
My goal over a series of Blog Postings is to create a Real Estate "Guide Book." It will represent the experience and knowledge of Evelyn Bruder's Dream Team of Professional Realtors, and it is the advice we provide our clients as part of our Personalized Buyer Assistance Program and for our VIP Seller clients. As we create it in this blog it will also appear on our website to supplement and update our current Buyer's Guide.
This blog and the next will deal with the First Time Homebuyer's decision: BUY OR RENT. There are 2 questions and thus 2 blogs.
Homeownership is a great achievement and a terrific investment. But, you must be sure you can afford it. Once you determine you can
truly afford to be a homeowner it is highly unlikely you will ever regret
making this big financial move. So question #1 is: can you afford to buy a home? Question #2 (for next time) is: After passing the finance test. and then weighing all of Pros and Cons of Homeownership, do you still want to be a homeowner?
Starting with your financial situation, you should NOT consider buying if:
Obviously, if none of the above applies to you then at least from a financial stand point you qualify to be a homeowner.
Click here for a more detailed discussion about all of the financial issues affecting first time homebuyers. To help you decide whether renting is cheaper than owning, we have included a Rent vs. Buy Calculator.
Click here to see my video playlist of great homes at value prices.
Just click here and visit www.HomesForSaleInLasCruces.com
You can search all the homes listed for for sale in Las Cruces.
Your Las Cruces, E-pro Certified, Internet Professional,
Evelyn Bruder, CRS, GRI, ABR, Cyberstar
Http://www.HomesForSaleInLasCruces.com
evelyn@homeslascruces.com
CALL ME: 575-650-7224
TOLL FREE direct line: 1-888-532-9069
OFFICE Direct Line: 575-532-2211
Steinborn Inc. Realtors, GMAC
Office number: 1-575-522-3698
This was the largest attendance ever for The Wine, Blues, and Jazz Festival this past weekend. The La Vina Winery has been doing wine harvest festivals for over 25 years. The spring Jazz and Blues festival has been an annual event for the past 15 years.
I haven't been to the festival for the past few years. The last time I went, it was a much smaller event and the grounds were not groomed. There was great wine, but certainly not the FESTIVAL that I experienced this weekend. It was simply amazing what has been done to this event to make it a wonderful event for the entire family. It is now located in a walled in complex with a huge central area of grass where you can spend the day listening to the Jazz and Blues performers. The entire area was surrounded by 60-local craft and food booths. There is a concrete patio for dancing and many tented areas with chairs to sit, relax, enjoy the music, wine, and our wonderful Las Cruces spring weather.
For the modest entry fee, you get a souvenir glass, and 6 wine tastings. There were 20 different selections of white, red, and sparkling wines to taste.
They had a wide selection of food booths. There was something for every taste.
We tried everything from the Mexican specialties, to barbeque, fresh roasted corn, and much more. We were glad that we saved room for the chocolate covered strawberries which were an excellent accompaniment to the wine. There was a slide and rock climbing wall for the kids, and plenty of room for them to run around safely. There was something for everyone.
We avoided taking the family with the grandchildren because it was a wine festival, but we enjoyed the afternoon so much that I called my son afterward and told him that we need to make it a family event next year.
I hope you enjoy the slide show, and you can appreciate that this was a great way to spend a spring day. There is always some fun thing to do in Las Cruces.
Cinco de Mayo, which means "The 5th of May" in Spanish, is a celebration of Mexican heritage and pride. It is not, however, Mexico's Independence day, a common misconception, which is actually held on the 16th of September (Dieciséis de Septiembre). Cinco de Mayo is a regional holiday in Mexico that is mainly celebrated in the state of Puebla. The holiday, while not federally recognized by the Mexican government, is recognized and celebrated in the United States and other countries.
In 1861, Mexico had ceased making interest payments to its primary creditors and in retaliation France, along with other European countries, attacked Mexico in an attempt to force payment. Instead of merely attempting to collect on a debt, the French also sought to take over and occupy Mexico and was initially successful.
On May 5th, 1862 the Mexican army, under the leadership of General Ignacio Zaragoza Seguín, procured a seemingly impossible victory over the better-equipped French army who had not seen a defeat for nearly 50 years, and who outnumbered them almost two-to-one. This epic clash, which would also mark the last time than an army from another continent invaded the Americas, would be forever known as the Battle of Puebla.
Despite the victory at Puebla, the French Invasion on Mexico City was only delayed. A year later the French had occupied Mexico and placed Maximilian I on the throne of Mexico. Under U.S. pressure, the French would eventually withdraw between 1866 and 1867 and Maximilian I would be executed by President Benito Juarez.
The Cinco de Mayo Festival in historic Old Messila
The historic town of Old Mesilla, located a scant few minutes from Las Cruces, will be hosting the annual Cinco de Mayo Fiesta in the town plaza from noon to 10 p.m. May 2nd and from noon to 7 p.m. May 3rd. You can find driving directions on the Old Mesilla website located here. There is no admission charge, however, there will be a wealth of great food, music, and entertainment to enjoy so come on out and join us!
Festival Features:
For those unable to attend, have no fear, we will be doing a follow-up post of the fiesta filled with pictures of the event.
Think there is nothing to do in Las Cruces?
You need to check this out. This weekend is really special.
The 2009 La Viña Winery Blues and Jazz Festival
Saturday & Sunday, April 25th & 26th, 2009
Noon to 7:00PM
4201 S. Highway 28 La Union, NM
$10 Adult Admission
ENTERTAINMENT
Entertainment Saturday, April 25
12n The Blues Syndicate
2:15pm Kat Crosby Band
4:30pm Fernie Lechuga & Friends
Entertainment Sunday April, 26
12n Ruben Gutierrez Quartet
2:15pm Theresa Malenfant
4:30pm Urban Edge
FESTIVAL FEATURES
La Vina Winery has many more wonderful activities planned this weekend. Be sure to visit their website:
http://www.lavinawinery.com/events.htm
We will be looking for you out there, and you should return next week check out our photo album. You may find yourself on the Internet.
As always we remind you to please visit our website at:
www.homesforsaleinlascruces.com
You will find lots of community information, you can search the Las Cruces MLS for all the homes listed for sale, and check out our Buyer and seller services and resources.
P.S. Did you know you can get an informative, accurate analysis of your home's value and a Las Cruces Market analysis with the current market trends with our
Market Snapshot for free? This up-to-the minute graphical report
automatically comes to your email inbox as often as you like, and provides you with data about Active, Pending and Sold homes in your area, compares the selling prices to listing prices, and more. Just click here to take a look! Request yours now.
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CRS,GRI,ABR,e-Pro,With 25years experience as a Top Producing Las Cruces REALTOR, I am available, for all your real estate needs if you are buying or selling a home, or relocating to Las Cruces.
Evelyn is one of the most experienced and highly trained Realtors in the business! Less than 3% of all Realtors hold these prestigious credentials. You can click on each credential to find out what it means, and why it is so important to you. You can click here to see what each designation means to me. EVELYN is the Residential Real Estate Expert to ensure you a successful experience in todays faster, more complex, and more competitive market. Whether you are buying or selling a home you want to choose Evelyn Bruder. Evelyn is an agent with the extensive knowledge, significant marketing and sales experience, technological expertise, a high level of professionalism, and the commitment to guarantee your goals will be met. LAS CRUCES RESIDENT FOR 33 YEARS 25 YEARS OF REAL ESTATE EXPERIENCE MULTI-MILLION DOLLAR PRODUCER & A TOP 10 PRODUCING AGENT MARKET AWARENESS My Philosophy: "Since 1988, I have been dedicated to matching people with just the right property. I approach each client and each real estate transaction with hard work, business savy, and a keen market sense that has consistently made me one of the top agents in Las Cruces. My commitment is to provide my clients with personal and caring service."
Evelyn holds the esteemed designations of:
and their unique features.
Evelyn Bruder provides Las Cruces and Southern New Mexico with expertise in Residential Real Estate. Serving buyers an Accredited Buyers Representative and sellers with her vast experience and market knowledge.
Evelyn also has considerable experience in working with relocations and retirement in Las Cruces.
We have personal expertise as well as vast experience in assisting Investors in finding Commercial Properties as well as residential and multi-family properties that meet their specific investment criteria.
We additionally deal with all types of Land For Sale or For Lease including Farms and Ranches.
We personally manage and assist clients in finding Rentals - long and short term in the Las Cruces Market.
Testimonials
I always appreciate feedback from my past clients and customers. When I choose service professionals for my family, I like to know what other people are saying about them. I'm sure it's true for others and I'd like to share what some of my past clients have said about me, too! ______________________________________________ " Evelyn brought The Plan, the People, And the Performance to sell My Home for 98.5% Of Asking Price In Just 5 days." Your team was just fantastic. It was just a really pleasant experience, and we really appreciated the professionalism of everyone I dealt with. I would have no hesitation recommending you and your Team to anyone who is really serious about selling their home. " You Did It! You Found Us Just The Home We Were Looking For, And We Only Had 1 Week To Do It!" Tony Chaires & Linda Hahus Pioneer Ave _______________________________________________________ "My Home In Mirasol Sold in Just 1 day for 100% of Asking Price." The Evelyn Bruder Team is excellent in my mind! Thanks to all of you for everything. "A Straight Forward, Efficient, and Effective Home Hunting Process" We rank your service as excellent. "We had high standards and expectations for how we wanted Evelyn and her Team to handle our Real Estate transaction. All of our expectations were exceeded, and our home sold in just 3 weeks." We got the Premier Service as we were promised, and the Team certainly were great advisors, negotiators, and facilitated a transaction that exceeded all of our expectations. We would recommend their excellent services to anyone thinking of buying or selling real estate in Las Cruces.
It was nice to know that the Evelyn Bruder Team had professionals available to help and advise me in both pricing and marketing my home aggressively, and then negotiating the sales contract to get us the most money possible.
David H.
Yellowstone Drive"
"Our relocation from Indiana, only gave us a short time to move and find a new home in Las Cruces. We were extremely happy that we were able to work with you via email. You sent us all the homes that met our criteria for us to look at.
Once we arrived in Las Cruces, you spent a great deal of time with us. We can only say you were outstanding! The best! We found exactly the right home, and we were able to return to Indiana knowing that we had bought a great home in Las Cruces."
Everyone on the team was well organized. Evelyn, the Transaction Coordinators, and the office staff all functioned Professionally and Efficiently. This great result was all thanks to the Team. You were all wonderful.
Guy Conway
Amarillo Del Sol"
"A colleague at New Mexico State University who had purchased a home with your team referred us to you.
We found your service to be the efficient, no nonsense style that we were looking for. You only took us to see homes that were in our price range, and met our wants and needs.
You were always there when we tried to contact you with questions. You provided direct answers to all of our questions, and you were extremely knowledgeable and professional. You made sure that all the important matters were covered at closing, and you personally followed up after the sale.
Gary and Karen Lowe"
"Being in the financial services industry, I know how much work it takes to manage a transaction properly. My wife knows what quality of service she expects in any professional relationship.
Selling a home is a major financial transaction, and the Agent has to provide caring, quality service, while coordinating everything efficiently.
From the time it was listed, until it was sold the team kept in regular communication with us, and they responded to all of our questions and concerns quickly. The result was a contract within just 3weeks.
Brent & Alana Lambert
Aguirre Court"
"Our Retirement Village apartment was ready but we needed to sell our current home as soon as possible and get the maximum price possible. Evelyn Sold Our Home In 11 days at 100% of our asking price."
" What a great experience. Evelyn came to our home explained the entire selling process, worked with us to assess our needs, and helped us pick the maximum market price for our home. Her team was able to begin the marketing within 24 hours.We can't say enough good things about Evelyn, Ron, and the whole Evelyn Bruder Team.
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