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4 Reasons Why You Should Hire an Albuquerque Title Company

by Sandi Pressley

Purchasing or selling a home in Albuquerque is a major financial decision involving various parties and risks. To ensure the real estate transaction goes smoothly, hire an experienced title company. They can conduct title searches, resolve title issues, and provide insurance for extra protection. Your real estate agent can also help negotiate a fair price based on market research and property values. However, there are compelling reasons to use a title company when buying or selling a home. Their services include title searches to confirm ownership, resolving any property title problems, and offering insurance for added security during the transaction.

Title Search Assistance

Conducting a title search prior to home purchase can reveal liens or other encumbrances that could cost you money later. Title companies will disclose any liens, preventing unwelcome surprises down the road. It's not uncommon for old liens to surface on a title report, as sellers are often unaware of them. Performing due diligence with a title search helps home buyers avoid inherited debt that could have been avoided.

Title Insurance

Title insurance is an important part of real estate transactions. It can cover legal costs and damages if someone claims ownership of your home after closing. Fortunately, title companies can help resolve any issues with your policy to ensure all claims are covered. Both buyers and lenders benefit from title insurance because it protects against financial losses stemming from undiscovered title defects after the sale. Getting title insurance safeguards your investment with an extra layer of security.

Smooth Closing

To smoothly close a real estate deal, hire a professional title company. They can facilitate the closing process by coordinating all relevant parties - realtors, lenders, attorneys - organizing documentation, reducing delays, and expediting the closing.

Breach of Contract

As with any form of transaction, there are situations where breaches may occur in the initial contract. With this in mind, you should consult a real title company when buying or selling your home, as they can offer assistance with contracts when you initiate a property purchase. This contract will hold every party accountable for completing each transaction aspect. Any party that fails to adhere to the sections of a contract may be liable for possible litigation.

To close your real estate transactions with confidence, contact a reputable title company now. They can manage the entire process from start to finish, whether you are buying or selling a property.

HOT ALBUQUERQUE LISTING OF THE WEEK

1272 La Fonda Street, Bernalillo, NM 87004

This is your opportunity to make this one your own creative vision. Enjoy country living while still having the convenience of 12 minutes to Downtown. NEW well, NEW 200 amp electrical box and wiring, In-phase 8Q Plus solar and alternate energy hookups battery and propane generator ready if needed. Backup reservoir tank and pump 2500 gallons in case of blackout and cloudy days with no electricity. With fruit trees and gardens, wrap-around sprinkler system, top 1/3 acre nature trail and views for days, this is incredible outdoor living. Inside features 4 BR on main, upper level and downstairs showcases a separate apartment or in-law unit with 2 bedrooms, bathroom and kitchenette. HUGE fireplace, Oversized living room and playroom PLUS Mini-Split System Cooling ready for hookup and included.
REQUEST MORE INFORMATION

Awesome DR Horton 3BDR/3BA/2CG home with lots of living space featuring a huge great room, open kitchen & dining area with patio accessplus loft!! Covered porch! Tile Roof! Refrigerated Air! Large secondary bedrooms with walk-closets. Primary suite features a walk-in closet w/built-in shelving,dual sink vanity, separate shower & garden tub! Landscaped front yard, garden area in the backyard, ready to make your own outdoor living space! Greatlocation close to shopping, neighborhood parks, schools, Bosque trails & Rio Grande, and quick access to the Rail Runner in Bernalillo and to I-25 to Santa Fe!!

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

Superbowl Parties and More This Week in Albuquerque!

by Sandi Pressley

Are you ready to have a ton of Supervowl fun this weekend? Albuquerque is host to a number of Superbowl parties, as well as a circus! Check out these events below and have a great time in Albuquerque his weekend!

Super Bowl LVIII Watch Party

Sun, Feb 11, 10:30 PM – Mon, Feb 12, 3:30 AM
9800 Montgomery Blvd NE UNIT 7, Albuquerque, NM

Come join us to watch Super Bowl LVIII on our 70” full bar surround sound and multiple view points on all our TVs. BYOFD (Bring Your Own Favorite Dish). Additional Game Day Appetizers will be provided. Family-Friendly and Pet-Friendly event.

Super Bowl Party

Sun, Feb 11, 4:00 – 8:30 PM
Solo Club Inc
2500 Candelaria Rd NE, Albuquerque, NM

The doors will open at 3:30 and there's no door fee! Watch on a new 75" TV and two other TVs around. We will be serving Sloppy Joe's. You can get one Sloppy Joe and a bag of chips for $3 or two sloppy Joe's and chips for $5. Sounds pretty good to me. You are also welcome to bring any type of finger food. There is a bar, so no outside beverages of any kind. There may be prizes. Dress with your favorite team colors, as a cheerleader, or any mascot outfit. So come on out for an affordable and fun time. The Solo Club is a privet singles club for folks 21 and over, membership information provided upon request.

Revel's Super Sunday Tailgate

Sun, Feb 11, 1 PM
Perico's Taco's & Burritos at Revel Entertainment Center
4720 Alexander Blvd NE, Albuquerque, NM

Revel Entertainment presents Revel's Super Sunday Tailgate on Sunday, February 11 2024 at 1:00pm, Revel Entertainment, Albuquerque, NM.

Jordan World Circus

Sat, Feb 10, 11:30 AM – 1:00 PM
Tingley Coliseum
300 San Pedro Dr NE, Albuquerque, NM

Appearing Indoors, Outdoors or Under Our Big Top!

The JORDAN WORLD CIRCUS, one of North America’s premier traveling circuses, is owned and produced by Jody and Melanie Jordan of Las Vegas, Nevada. Hailing from a long background of aerialists and circus performers, Jordan brings a unique talent to the circus management field.

His exciting two hour shows are presented on annual tours from coast to coast and border to border by local Shrine Centers and Clubs, police and fire associations, civic clubs and organizations, merchant associations, local presenters and venues, and fairs, festivals, parks and the like.

HOT ALBUQUERQUE LISTING OF THE WEEK

19 Matterhorn Drive, Cedar Crest, NM 87008

This is your opportunity to make this one your own creative vision. Enjoy country living while still having the convenience of 12 minutes to Downtown. NEW well, NEW 200 amp electrical box and wiring, In-phase 8Q Plus solar and alternate energy hookups battery and propane generator ready if needed. Backup reservoir tank and pump 2500 gallons in case of blackout and cloudy days with no electricity. With fruit trees and gardens, wrap-around sprinkler system, top 1/3 acre nature trail and views for days, this is incredible outdoor living. Inside features 4 BR on main, upper level and downstairs showcases a separate apartment or in-law unit with 2 bedrooms, bathroom and kitchenette. HUGE fireplace, Oversized living room and playroom PLUS Mini-Split System Cooling ready for hookup and included.
REQUEST MORE INFORMATION

This is your opportunity to make this one your own creative vision. Enjoy country living while still having the convenience of 12 minutes to Downtown. NEW well, NEW 200 amp electrical box and wiring, In-phase 8Q Plus solar and alternate energy hookups battery and propane generator ready if needed. Backup reservoir tank and pump 2500 gallons in case of blackout and cloudy days with no electricity. With fruit trees and gardens, wrap-around sprinkler system, top 1/3 acre nature trail and views for days, this is incredible outdoor living. Inside features 4 BR on main, upper level and downstairs showcases a separate apartment or in-law unit with 2 bedrooms, bathroom and kitchenette. HUGE fireplace, Oversized living room and playroom PLUS Mini-Split System Cooling ready for hookup and included.REQUEST MORE INFORMATION

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

Appliance Repairs You Can Do Yourself (and Those You Shouldn't)

by Sandi Pressley

Appliances play an essential role in our daily lives. When they break down, it can cause major disruption and expense. While professional repairs are often costly and time-consuming to schedule, many common appliance issues can be fixed by homeowners themselves in just minutes. With a bit of knowledge and elbow grease, Albuquerque homeowners can perform simple repairs on five common problems. More complex issues should be left to appliance repair experts.

Replace the Thermostat in The Dryer

If your dryer fails to heat up, the thermostat is likely faulty since these commonly malfunction. Replacing the thermostat yourself with a new one purchased for under $80 at a hardware store will save substantially on repairs, typically around $180. Consult your dryer manual to find the thermostat and buy the right replacement model.

Clear the Drain in the Dishwasher

If your dishwasher is no longer draining, the drain is likely clogged. You can unclog it yourself in minutes using a shop vac. Simply disconnect the drain hose and insert the shop vac's hose into the drain opening. Run the shop vac for a few minutes to clear the clog, then reconnect the drain and try the dishwasher again. This quick fix can save you the cost and hassle of a professional repair.

Replace the Fan in the Freezer

If the freezer is not staying cold, the likely cause is a faulty freezer fan. The fan circulates cold air throughout the freezer, so if it fails, the cold air cannot reach all areas. Replacing the fan is an easy fix - a new one costs around $85 at your local hardware store. With just a screwdriver, you can replace the fan in minutes. Simply remove the cover, unscrew and disconnect the old fan, then install the new one.

Clean Coils in the Refrigerator

If the fridge is not staying as cool as it should, it’s probably because the coils are dirty. These are located under or behind the fridge, and are a collection place for a lot of debris, dust, and pet hair. When the dirt builds up, the coils end up freezing, rather than cooling what’s inside. To clean them, just unplug the fridge, slide it out and go around the back to where you can see the coils. You can use a vacuum, a duster, or a cloth and get them clean. Then just put your fridge back in place, plug it back in, and give it an hour to get back down to its normal temperature.

Unclog the Burner in the Gas Stove

If your gas stove won't light or emit a gas smell, don't panic. This minor issue is often an easy fix. First check that the electricity and gas supply are working. If they're fine, the burner is likely clogged. Shut off the gas, then scrub the burner head thoroughly with a small brush and cleanser to remove any debris. Once cleaned, turn the gas back on and ignite the burner. The stove should now light properly.

When to Call a Pro

Though you can make some repairs yourself without issue, certain fixes require calling in professional help.

Repair the Icemaker Broken on the Fridge

If your icemaker suddenly stops working but is still connected to the water supply, the issue is likely a faulty compressor, which can cost up to $300 to repair depending on the brand. Since replacing the compressor involves extensive work on the refrigerator itself, it's best to call a professional repair technician to properly diagnose and fix the issue. Attempting compressor repairs without expertise risks further damage and the possible need for a full refrigerator replacement, so don't try to DIY this repair.

Repair the Microwave

Microwaves are complex appliances that can be dangerous to repair yourself, so it's best to call a professional for any issue, no matter how minor it may seem. Attempting a DIY fix risks radiation leaks or other hazards, whereas experts have the knowledge and tools to safely diagnose and resolve any problem.

Take Care of Your Appliances

With simple fixes, you can often avoid costly repairs. Know when a do-it-yourself approach will suffice and when you need a professional to keep things running smoothly.

HOT ALBUQUERQUE LISTING OF THE WEEK

19 Matterhorn Drive, Cedar Crest, NM 87008

 

This is your opportunity to make this one your own creative vision. Enjoy country living while still having the convenience of 12 minutes to Downtown. NEW well, NEW 200 amp electrical box and wiring, In-phase 8Q Plus solar and alternate energy hookups battery and propane generator ready if needed. Backup reservoir tank and pump 2500 gallons in case of blackout and cloudy days with no electricity. With fruit trees and gardens, wrap-around sprinkler system, top 1/3 acre nature trail and views for days, this is incredible outdoor living. Inside features 4 BR on main, upper level and downstairs showcases a separate apartment or in-law unit with 2 bedrooms, bathroom and kitchenette. HUGE fireplace, Oversized living room and playroom PLUS Mini-Split System Cooling ready for hookup and included.
REQUEST MORE INFORMATION

This is your opportunity to make this one your own creative vision. Enjoy country living while still having the convenience of 12 minutes to Downtown. NEW well, NEW 200 amp electrical box and wiring, In-phase 8Q Plus solar and alternate energy hookups battery and propane generator ready if needed. Backup reservoir tank and pump 2500 gallons in case of blackout and cloudy days with no electricity. With fruit trees and gardens, wrap-around sprinkler system, top 1/3 acre nature trail and views for days, this is incredible outdoor living. Inside features 4 BR on main, upper level and downstairs showcases a separate apartment or in-law unit with 2 bedrooms, bathroom and kitchenette. HUGE fireplace, Oversized living room and playroom PLUS Mini-Split System Cooling ready for hookup and included.REQUEST MORE INFORMATION

 

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

Can You Buy a Home in Albuquerque After Bankruptcy

by Sandi Pressley

Going through bankruptcy can be an emotionally difficult experience with lasting financial repercussions, including damage to your credit score and report. While bankruptcy eliminates or reduces debts, this relief comes at the cost of making it harder to obtain credit in the future.

Does that mean you can't buy a home after filing? No. Even though it's possible, buying a home in Albuquerque after bankruptcy will require careful planning, preparation, and patience.

How Long Until You Can Buy a Home?

One big question a lot of people have is how long after bankruptcy can they buy a home?

To get a mortgage, you must have discharged your bankruptcy. Discharging bankruptcy means a court has released you from legal responsibility for certain debts, preventing creditors from pursuing collection on the debts removed through the discharge.

A discharge of debts is one part of bankruptcy, but it does not signal the end of the bankruptcy process. However, lenders will want to see proof of discharge before approving you for a new home loan. Typically, a bankruptcy case is closed soon after the court grants the discharge.

What Does Your Credit Report Look Like?

After bankruptcy, monitor your credit report closely because filings may remain for up to 10 years. Despite misconceptions, you may qualify for a new mortgage before that time, so check your report for accuracy, especially regarding any discharged or repaid debts if you plan to apply.

After declaring bankruptcy, focus on rebuilding your credit by ensuring there is no outdated or inaccurate information on your credit report. To qualify for a mortgage after bankruptcy, you must demonstrate to lenders that you are financially prepared and not too much of a risk.

After your bankruptcy, your available credit will likely be limited. Begin rebuilding your credit by using a secured credit card or small installment loan. Make sure to make your monthly payments on time and in full.

The length of time a bankruptcy remains on your credit report depends on the chapter you file. A Chapter 7 bankruptcy typically stays on your credit report for up to 10 years after filing. A Chapter 13 bankruptcy, which involves a court-approved repayment plan, usually drops off your credit report after 7 years. Although a bankruptcy may still appear on your credit report, its impact diminishes over time as you rebuild your credit by making on-time payments and keeping credit balances low.

How Long Should You Wait?

After filing for bankruptcy, waiting at least two years before applying for a mortgage allows time to significantly rebuild your credit. With improved credit, you become more likely to qualify for a mortgage and secure better terms. Even a small reduction in your interest rate can substantially lower your monthly payments and total loan costs.

Government-Backed Loans

If you have declared bankruptcy in the past or have limited funds for a down payment, FHA or VA loans may be options to consider.

The FHA does not directly issue loans but provides insurance for loans made by private lenders to first-time homebuyers and buyers with lower credit scores, thereby reducing the lenders' risk.

There is a waiting period before the FHA will consider you for a mortgage after bankruptcy. Specifically, the FHA requires a 2-year waiting period after a Chapter 7 discharge, and a 1-year waiting period after a Chapter 13 discharge, provided you made your bankruptcy payments on time. If you want to buy a home while still in Chapter 13 bankruptcy, you'll need permission from the court to take on the new mortgage debt.

The Department of Veteran’s Affairs backs VA loans, which are available to certain veterans, service members, and some spouses. However, VA loans require a two-year waiting period after a Chapter 7 bankruptcy discharge, and borrowers must meet minimum credit score requirements.

In contrast, those considering a conventional loan may need to wait 24 to 48 months after a Chapter 7 discharge before qualifying. For a Chapter 13 bankruptcy, most lenders require a 24-month waiting period following discharge.

HOT ALBUQUERQUE LISTING OF THE WEEK

2904 El Tesoro Escondido NW, Albuquerque, NM 87120

LUXURIOUS yet AFFORDABLE home on the golf course with amazing mountain views! This is a true GEM! Enjoy stunning morning sunrises while you peacefully watch the geese & cranes soar above. Light & bright with high ceilings & clerestory windows. Too many upgrades to list: NEW: HVAC, stucco, windows, cordless lift blinds with remote controls, LVP flooring, electrical rewire with 200 volt service & a completely REMODELED KITCHEN with custom-made cabinets, butcher block counters, & new appliances! Marble counters & a modern vanity in the primary bath, solid granite counter and tub in spare bath. Two big bedrooms & a bonus/office/workout room. Wrought iron courtyard security door with ring doorbell. W/D included! Great location with easy access to I-40; lots of conveniences and shopping nearby.

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

Why Should You Work With the Sandi Pressley Team?

by Sandi Pressley

If you're looking to buy or sell a home in Albuquerque, there are clearly many options when it comes to who you work with. But when you take even a brief look at what The Sandi Pressley Team has to offer, the choice becomes clear.

Sandi Pressley has been the top Albuquerque Real Estate Agent at Coldwell Banker for 37 consecutive years. With over 44 years of experience, Sandi has assisted over 12,782 families in buying and selling homes in New Mexico!

But what do her clients have to say? Quite a lot! Sandi and her team have had hundreds of positive reviews over the years, and they just keep coming. Here are a few recent comments.

"Tori guided me through the process of purchasing my first home. She was always available to answer questions and view homes. She negotiated a deal on my current home, beating out the competition. She is an excellent communicator and provided much needed knowledge of the Santa Fe housing market. Highly recommend working with Tori!" - 12/2/2023 - Elyse Grant

"Tori was fantastic when assisting us in the house hunt and purchasing of our very first home. Our schedule was not easy to work with, yet Tori always made the time for us and every meeting with her she made us feel so important. Tori is a true expert in her field as well as the geographical location in which she works. We ended up finding out dream home and I am still flabbergasted to be sitting in this beautiful space right now as I write this review. Tori was a ray of sunshine during a stressful time for our family and we cannot thank her enough for her positive energy and professionalism." - 10/18/2023 - AmandaBillington

"I wanted to work with a top agent, and that was exactly what I got! The Sandi Pressley team was absolutely amazing. I have had many previous transactions with other agents and I’ve never had such a good experience before. When complications arose with the buyer, Sandi expertly fought for my best interest and negotiated a successful resolution. As a residential loan officer, I work with a lot of agents in the real estate industry and have processed 100s of transactions over my 20+ year career and I’ve never worked with such a well organized, professional and smooth running team that absolutely gives 100% effort to customer satisfaction. I would highly recommend Sandi Pressley and her team to any buyer or seller wanting to have a phenomenal experience." - 7/6/2023 - Vanessa A2023

"Sandi Pressley is not only NM's Real Estate Genius, but # 1 in many other ways as well. She is hugely successful due to multiple gifts, personal and professional acumen. She has incredible Joy, Exuberance, and Sparkle, she is happy and positive from beginning to end---even beyond closing! She has encyclopedic knowledge and memory of the plethora of real estate laws, regulations,, twists, and turns--which, when coupled with her instant recall, analysis, and pro-active swift decision-making skills--these place her in rarified company. She is thoughtful, a generous Philanthropist, a person of impeccable character and standards. Another sterling quality is the sincere high priority she has for her clients, she places their benefit as hers to guide, defend, and protect. This she gives freely and lovingly--behind professional acuity. We were and are fortunate, blessed, and grateful for Sandi Pressley's superb skills as she sold our real estate. She sold one above price another at full price--and best of all: BEFORE noon on the very first day they were on the market in a difficult-to sell-location She and her high quality team are remarkable in every way. Highest possible ratings!!!" - 3/23/2023 - floydvszqz

Want to read more about what The Sanid Pressley Team have done for thier happy clients over the years? Check out more reviews on our website. And then pick up the phone and give us a call at 505-263-2173. We can't wait to make you our next success story!

HOT ALBUQUERQUE LISTING OF THE WEEK

2904 El Tesoro Escondido NW, Albuquerque, NM 87120

LUXURIOUS yet AFFORDABLE home on the golf course with amazing mountain views! This is a true GEM! Enjoy stunning morning sunrises while you peacefully watch the geese & cranes soar above. Light & bright with high ceilings & clerestory windows. Too many upgrades to list: NEW: HVAC, stucco, windows, cordless lift blinds with remote controls, LVP flooring, electrical rewire with 200 volt service & a completely REMODELED KITCHEN with custom-made cabinets, butcher block counters, & new appliances! Marble counters & a modern vanity in the primary bath, solid granite counter and tub in spare bath. Two big bedrooms & a bonus/office/workout room. Wrought iron courtyard security door with ring doorbell. W/D included! Great location with easy access to I-40; lots of conveniences and shopping nearby.

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

Our Latest HOT Albuquerque Homes for Sale!

by Sandi Pressley

Just listed! Whether you're looking for the ideal first home in Albuquerque, or you want to upgrade to a larger home, these listings have everything you're looking for! Both offer amazing views and great locations, along with tons of features.

Contact the Sandi Pressley Team today for your exclusive showing. You can also check out all of our listings on our Featured Listings page.

2316 Agua Fria Drive NE, Rio Rancho, NM 87144
Welcome to this wonderful home in the Sundoro South community. Big open floor plan, vaulted ceilings, three way fireplace. Kitchen offers stainless appliances, eat in bar, ample cabinets and countertops for food prep. Kitchen flows nicely into the dining room and great room. Through the sliding doors, find yourself in the best backyard party ever! Covered patio, plus the built-in BBQ grill, two smokers and a disc cooker. Great place to enjoy our NM weather. Back inside, Split primary suite, separate shower, garden tub, dual vanities and walk in closet. 2 more good sized bedrooms that share a bathroom. There is an additional flex space that could be used as an office, hobby room or home school. Beautiful Park just down the street, easy access to I-40.

Discover the perfect place to call home! You will be immediately greeted by the Sandia Mountains with picturesque views out of the office, living, kitchen, dining room and primary bdrm. This home has unobstructed views, an attached studio Casita equipped with: a full kitchen, 3/4 bath and ample closet space, perfect for a mother-in-law, Airbnb or rental and has a private entrance. The main home has 3 bd, 4 baths. 1 office is fully furnished with a custom wrap-around desk and a separate wine room or 2nd office. In 2014 the home was fully renovated; new roof, stucco, HVAC and the added sf of the casita. This home also has PAID SOLAR! There is a huge rooftop patio with gorgeous views, great for entertaining!!

Learn More!


2904 El Tesoro Escondido NW, Albuquerque, NM 87120

LUXURIOUS yet AFFORDABLE home on the golf course with amazing mountain views! This is a true GEM! Enjoy stunning morning sunrises while you peacefully watch the geese & cranes soar above. Light & bright with high ceilings & clerestory windows. Too many upgrades to list: NEW: HVAC, stucco, windows, cordless lift blinds with remote controls, LVP flooring, electrical rewire with 200 volt service & a completely REMODELED KITCHEN with custom-made cabinets, butcher block counters, & new appliances! Marble counters & a modern vanity in the primary bath, solid granite counter and tub in spare bath. Two big bedrooms & a bonus/office/workout room. Wrought iron courtyard security door with ring doorbell. W/D included! Great location with easy access to I-40; lots of conveniences and shopping nearby.

Learn More!

Contact us today to help you buy or sell your next home in Albuquerque. Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team

The Process of Buying Your First Home in Albuquerque

by Sandi Pressley

Buying a home is a complex process that requires careful preparation. Months before you begin your search, take steps to get ready. This article outlines the key steps for successfully purchasing your dream home in Albuquerque. Starting early and planning thoroughly are essential keys to success.

First step in buying a house: pre-approval

Before purchasing a home in Albuquerque, you should get pre-approved for a mortgage. Pre-approval reveals your maximum affordable price range based on factors like your debt-to-income ratio, annual income, and credit score. Lenders usually require a minimum credit score of 620 for mortgage approval. If your credit score is below 620, it's best to wait, improve your credit, and get pre-approved later when you are in a better financial position to buy a home.

A lender will also ask for two years of W-2s to review your net income history, which is a key factor in mortgage approval. Additionally, avoid taking out large loans or closing bank accounts right before applying, as that may hurt your chances of getting approved. Once the lender has reviewed your income, debts, and assets, they can provide a pre-approval letter.

To find a lender, you have a few options: you can do some quick online research to find options, go to your own bank since they already know you well, or ask a local Albuquerque real estate agent for a recommendation, as they often have connections with lenders. Once you have contacted a lender, you can move on to the next step in the home buying process.

Choosing the right real estate agent

When finding the ideal home for sale in Albuquerque, choosing an experienced real estate agent like Sandi Pressley is crucial for making the process easier. Sandi and her team will guide you through the entire process, from finding a home to moving in. You can count on the Sandi Pressley team to make buying your first home a complete success. You can check out what all of her happy clients have said about working with the team.

When your offer gets accepted

Once your offer is accepted, you must make a good-faith deposit, separate from the down payment you provide to your lender. If this is your first time purchasing a home, consult with your lender about a Federal Housing Administration (FHA) loan, which allows you to finance a home with a down payment of just 1% to 3% of the purchase price after making the good-faith deposit.

Getting an inspection before closing is typically the next step in the home buying process, and most lenders require one.

Making it to the settlement

Once your offer is accepted, inspections and mortgage approvals will begin. Expect 40+ days for inspections, loan processing, and setting a closing date. This can be stressful, but an experienced agent and lender can make the process go more smoothly. Follow their guidance closely to ensure you can move into your dream home without issues.

If you want to learn more about how The Sandi Pressley Team can help make your home buyind dream a reality, contact us today!

HOT ALBUQUERQUE LISTING OF THE WEEK

2316 Agua Fria Drive NE, Rio Rancho, NM 87144

Discover the perfect place to call home! You will be immediately greeted by the Sandia Mountains with picturesque views out of the office, living, kitchen, dining room and primary bdrm. This home has unobstructed views, an attached studio Casita equipped with: a full kitchen, 3/4 bath and ample closet space, perfect for a mother-in-law, Airbnb or rental and has a private entrance. The main home has 3 bd, 4 baths. 1 office is fully furnished with a custom wrap-around desk and a separate wine room or 2nd office. In 2014 the home was fully renovated; new roof, stucco, HVAC and the added sf of the casita. This home also has PAID SOLAR! There is a huge rooftop patio with gorgeous views, great for entertaining!!

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

The security of a new home in Albuquerque goes beyond physical barriers. While homeowners prioritize visible precautions like sturdy locks and security cameras to establish safety, they often neglect cybersecurity measures that safeguard the home network. However, failing to secure the digital entry points into a home can leave it vulnerable to intrusion. Just as strong locks deter physical intruders, proactive cybersecurity deters hackers from exploiting weaknesses and gaining access. A truly secure home requires protection for both the physical property and the digital one.

To better secure your home network and protect your personal information, take these key steps: Change the default Wi-Fi name and password, keep your router software updated, disable SSID broadcasting, and implement additional practices like using a firewall, encrypting data, and enabling two-factor authentication. Taking these precautions will prevent unauthorized access, stop hackers from stealing private data for financial gain, and strengthen the overall cybersecurity of your home network.

Risks of having an unprotected home network

Your home network is vulnerable to cyberthreats like data theft, identity theft, and malware without proper cybersecurity. Any device on your network could be compromised. The growing Internet of Things (IoT), with connected devices like smart TVs, thermostats, and refrigerators, introduces new risks. The biggest is the lack of encryption—if an attacker accessed the network, they could steal credentials and data sent to and from devices.

New homeowners must implement key security measures to protect their home network from cyberthreats. The best practices include:

1. Getting a VPN

A Virtual Private Network (VPN) is an excellent way to protect your smart devices by encrypting your internet traffic and hiding your IP address. This prevents unauthorized access to your connection by hackers, software, and web browsers. Most VPN providers are easy to set up on routers or offer DNS features that allow installation on devices that don't natively support VPNs, like smart TVs and game consoles. A key benefit of a VPN is the ability to virtually relocate to other countries, granting access to region-restricted content. For budget-conscious users, an affordable monthly VPN subscription makes this essential cybersecurity tool very accessible, providing reliable protection without being costly.

2. Changing the default passwords on all your smart devices

Keeping the default passwords on your internet-connected devices poses a major security threat. Hackers can take control of your smart devices by gaining unauthorized access and stealing private data or using them for illegal activities like botnets. Botnets are networks of infected devices that hackers control to steal information, distribute spam, or launch cyberattacks. Consequently, changing the default passwords on all your smart gadgets is essential to improve your home's cybersecurity.

3. Installing antivirus software

Antivirus software provides crucial protection by detecting and eliminating malicious viruses like malware and spyware that infiltrate devices. Viruses can enter through email attachments, downloaded apps, web links in texts, or online ads. Once activated, malware damages system data, steals confidential information, spies on system resources, and slows performance. Antivirus software blocks and removes viruses and malware while warning users about dangerous websites, apps, attachments, and links. Installing antivirus software helps secure home networks and smart devices from cyberthreats.

With cyber-attacks on the rise each year, it is crucial for new Albuquerque homeowners to implement cybersecurity practices that protect their homes from threats. Simple yet effective measures like using a VPN, changing default passwords on smart devices, and installing antivirus software can help homeowners establish a sense of safety and cyber defense in their homes.

HOT ALBUQUERQUE LISTING OF THE WEEK

1526 Vassar Drive NE, Albuquerque, NM 87106

Welcome home to this precious house in the heart of the UNM corridor! Charming wood floors lead the way to the open living room plus light and bright kitchen featuring eat-in space and gas range. Featuring FOUR Bedrooms, this one has room for everything. 4th Bedroom also showcases a separate outdoor entrance for potential Air BnB use. Newer TPO Roof (2020) and Electrical Panel Upgrade (2021)...plus a HUGE yard situated on almost 1/4 acre ready for your ideas and projects. Enjoy the convenience of both an attached garage and a U-shaped driveway all while being close to UNM, Green Jeans and the new Whole Foods. Come see this today!

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

Just Listed! Check Out Our Latest Hot Albuquerque Properties!

by Sandi Pressley

Just listed! Check out our open house on 5300 Beebe Street NE, Albuquerque, NM 87111! These outstanding properties have just hit the market, so make sure you check them out before they sell.

Contact the Sandi Pressley Team today for your exclusive showing. You can also check out all of our listings on our Featured Listings page.

5300 Beebe Street NE, Albuquerque, NM 87111

Open House!

January 21, 2024
11:00 AM MST - 1:00 PM MST
January 20, 2024
12:00 PM MST - 3:00 PM MST
January 19, 2024
1:00 PM MST - 4:00 PM MST
Welcome to this wonderful home in the Sundoro South community. Big open floor plan, vaulted ceilings, three way fireplace. Kitchen offers stainless appliances, eat in bar, ample cabinets and countertops for food prep. Kitchen flows nicely into the dining room and great room. Through the sliding doors, find yourself in the best backyard party ever! Covered patio, plus the built-in BBQ grill, two smokers and a disc cooker. Great place to enjoy our NM weather. Back inside, Split primary suite, separate shower, garden tub, dual vanities and walk in closet. 2 more good sized bedrooms that share a bathroom. There is an additional flex space that could be used as an office, hobby room or home school. Beautiful Park just down the street, easy access to I-40.

Wonderful brick home,, on an amazing corner lot, with backyard access, rv pad, brand new Water Heater, newer Hi Efficiency furnace, roof in 2020. Newer windows, sola tube, security wrought iron, new new faucets, toilets. 2 living areas, views, minutes to shopping restaurants.

Learn More!


1526 Vassar Drive NE, Albuquerque, NM 87106

Welcome home to this precious house in the heart of the UNM corridor! Charming wood floors lead the way to the open living room plus light and bright kitchen featuring eat-in space and gas range. Featuring FOUR Bedrooms, this one has room for everything. 4th Bedroom also showcases a separate outdoor entrance for potential Air BnB use. Newer TPO Roof (2020) and Electrical Panel Upgrade (2021)...plus a HUGE yard situated on almost 1/4 acre ready for your ideas and projects. Enjoy the convenience of both an attached garage and a U-shaped driveway all while being close to UNM, Green Jeans and the new Whole Foods. Come see this today!

Learn More!

Contact us today to help you buy or sell your next home in Albuquerque. Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team

Get in Shape and Have a Cleaner Home!

by Sandi Pressley

"You know what I love about fitness? I love fitness whole pizza in my mouth."

This old, eye-roll inducing joke still gets a laugh, even if only for the kernel of truth at its core. What makes it even more poignant: The weekend has arrived, and though you may have lofty plans to hit the gym daily or go on long hikes (or both!), you're probably more inclined to settle in with a pizza. Sound familiar?

Doing that cleaning you've been putting off can actually burn calories, so go ahead and enjoy some pie guilt-free - no need to feel bad about skipping the gym.

"Does housework count as a workout? The answer: Yes! There's a reason they call it housework," said Fitness Magazine. "You can burn serious calories during a marathon cleaning session."

This weekend, tackle these home cleaning tasks - with one home renovation project and two weekend chores added - while remembering to prioritize each activity based on your personal preferences and schedule.

Calorie estimates assume a 150-pound person. Adjust up or down by 20% for lighter or heavier weights. For example, vacuuming burns about 200 calories for a 150-pound person. So a 120-pound person would burn around 160 calories, while a 180-pound person would burn about 240 calories.

Vacuuming: According to Shape, vacuuming could help you reach your daily goal of 10,000 steps, depending on the size of your home. In just 30 minutes of vacuuming, you could burn around 119 calories.

Mopping: Your floors probably need it, and the best news is that this task will burn about 150 calories in an hour!

Cleaning the bathroom: We hope your bathroom cleaning does not take an hour, but you could clean three bathrooms in that time, burning 180 calories—enough for a sweet treat after dinner!

Scrubbing the tub: Scrubbing away stubborn soap scum in the bathtub for 15 minutes provides a great arm workout and can burn over 90 calories, making this unpleasant chore more motivating.

Gardening: Spending an hour in the yard cleaning up flower beds or preparing the space for cooler weather ahead can burn about 250 calories. All the bending, kneeling, and leaning involved in yard work provides a great calorie-burning workout.

Get the windows sparkling clean: Health stated that washing the inside and outside of your windows for 30 minutes burns around 100 calories.

Painting the walls: Add a splash of color to your home this weekend by painting for an hour - you'll burn approximately 270 calories in the process.

Grocery shopping: Considering a one-hour grocery store trip can burn 350 calories, you may want to rethink having your groceries delivered or using the market's pre-order/load up service.

So there you go! You can have a clean house and improved health by following these tips.

HOT ALBUQUERQUE LISTING OF THE WEEK

1508 Prairie Sage Way SE, Rio Rancho, NM 87124
Welcome to this wonderful home in the Sundoro South community. Big open floor plan, vaulted ceilings, three way fireplace. Kitchen offers stainless appliances, eat in bar, ample cabinets and countertops for food prep. Kitchen flows nicely into the dining room and great room. Through the sliding doors, find yourself in the best backyard party ever! Covered patio, plus the built-in BBQ grill, two smokers and a disc cooker. Great place to enjoy our NM weather. Back inside, Split primary suite, separate shower, garden tub, dual vanities and walk in closet. 2 more good sized bedrooms that share a bathroom. There is an additional flex space that could be used as an office, hobby room or home school. Beautiful Park just down the street, easy access to I-40.

Beautiful Home located in the highly desirable gated community of Sara's Meadow! Featuring a bright & open floorplan, cozy fireplace in great room that opens to the adjoining breakfast nook & kitchen with double sliding doors & picture window providing abundant natural light. All kitchen appliances, washer & dryer convey! Primary Suite suite offers a separate slider door for backyard access; ensuite with soaking tub/shower combo & ample walk-in closet. Separate living area can be used for hobbies, exercise space, TV room, etc. Second bedroom has its own walk out patio. Ceramic tile thru-out except bedrooms, raised ceilings, custom window coverings, & more. Wagner heating & cooling system & water heater approximately 2 yrs old. Low maintenance yards. Close to trails, shops, & restaurants!

Learn More!

Looking for the perfect home for sale in Albuquerque? Our easy-to-use home search tool can help you start the process. Join us twice a week on our blog for more real estate advice and great reasons to buy a home in Albuquerque and the surrounding area. Follow us on Facebook for the latest Albuquerque real estate updates.

Get your Morning Inspiration with the Sandi Pressley Team!

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The Sandi Pressley Team
Coldwell Banker Legacy
10400 Academy Rd. NE Suite 100
Albuquerque NM 87111
505-980-2999
505-263-2173 / 505 293-3700
Fax: 505-212-0729

Quick links to this site are also SandiSells.net or SandiSellsHomes.com