Thursday, December 27, 2007


A group of women volunteers will break ground on a new HABITAT FOR HUMANITY house Jan. 12 as part of Greater Albuquerque Habitat for Humanity's Women Build project. The project is being underwritten by Lowe's Companies Inc. which is providing a $25,000 grant to co-sponsor the home. Lowe's also will provide free clinics on home construction basics for women participating in the build. The Women Build program brings women from all walks of life together to learn construction skills and then use those skills to provide more housing. Women interested in volunteering on the build can contact Habitat's volunteer coordinator, Winni DuBois, at (505) 265-0057 x103, or at Keep updated with more information on Albuquerque housing by going to my site at

Practical Tips To Secure Your Home

According to crime reports compiled by the Federal Bureau of Investigation one out of every six homes will be burglarized this year. By making it more difficult for intruders to get into your residence, you can greatly reduce your chances of being robbed. The more a burglar has to work to get into your home, the less chance you have of becoming his victim. There are several things you can do to make your home less vulnerable, below are some home security tips that are easy to implement, and will keep you and your family as safe as possible. • Trees located near windows or shrubbery that might shield a burglar from view can be major flaws in your home-protection plan. Consider your landscaping plan in light of your protection needs. • Keep all points of entry to your home well-lit. Consider installing motion-sensor lights on the rear and sides of your home and position them in out-of-reach places so they can't easily be turned off by a would-be thief. • Talk to your neighbors about any suspicious people or strange cars you notice lurking about. • When on vacation, set lights on timers or light sensors to turn on and off in the evening Also be sure to suspend newspaper delivery so papers do not pile up in front of your house • Be sure to have operational porch lights. Peepholes are important for allowing you to see who is at the door before opening it. Don't rely on the little chains which are often installed on doors to prevent them from opening more than a few inches. While no method is 100 percent effective against burglaries, you can use the above tips to decrease your chances of being the next burglary victim. If you need additional information about home security, contact your local Neighborhood Watch Program, Sheriff's Office or a local security service. For more information on protecting your home go to my site at

Thursday, December 20, 2007

Bad Credit? You Can Still Buy A Home!

Do you want to buy a home but feel you cannot because you have bad credit? The reality is you are not alone and most people are embrassed and discouraged because of their poor credit history. The average American now carries about $8,000 in credit card debt and bankruptcy rates have soared over the past couple of years. In addition, filing for bankruptcy stays on your credit history for 10 years, and can significantly lower your credit score. The good news is that you can buy a home and there are many mortgage companies who specialize in working with consumers with bad credit. They can help you to get a clear picture of where you stand and what steps you need to take to achieve your goal of home ownership. However, keep in mind it is a good idea to do research and make sure you are dealing with a reputable company. It is always advisable to shop around for the best bad credit mortgage company in the market. The lending market can be broken up into two main segments, the prime, those with average to good credit who are not huge financial risks. Then there is the sub prime market, with those who have poor to very bad or no credit. Lenders can give ratings to a certain sub prime client giving them a rating from A-D: A being the best rating and D being the worst. When you fall into the C or D category, you are considered very high risk and more likely to default on a loan than that of a person with an A or B rating. Sub prime lenders generally give loans to even the highest of risk cases. They look at the same information that a prime lender would look at to evaluate the type mortgage you can have. They look at credit history, income, expenses and long term debt. Even if you do have foreclosures, bankruptcies, delinquent payments, and outstanding debt, they will take all of this into consideration. If you can show steady employment, a good income, an effort to pay back the money you owe and are doing it in a timely fashion, you are more likely to get a better rate than that of someone who is not taking any steps to fix their credit. Fortunately the sub prime market is extremely competitive, even for the worst credit cases, so you do not have to accept the first lender who offers to loan you money. Take your time, do your research and shop around and compare rates. Everyone makes mistakes, and buying a home is still an option regardless of your credit history. As long as the sub prime market continues to be competitive, you will have a huge advantage. Keep in mind however; it is important to take steps to repair your credit, and buying a home can aid in this. If you make you mortgage payments on time every month, then you can actually help to get your credit back on track. It is possible to buy a home and repair your credit at the same time! Take advantage of the opportunities you have at your fingertips.

Thursday, December 13, 2007

Do It Yourself Home Improvement

Thinking of tackling some home improvement projects? You may be wondering, ‘can I really do it myself?’ The answer is “YES!” With a little research and some hard work, you can fix, repair, build on or enhance you home. Supplying your own elbow grease to a home improvement job is a worthy effort to save you money and boost the bottom line of value returned to your home. In addition, there is a certain satisfaction that results from completing a project with your own two hands. Even so, there are some guidelines you should try to follow to make the most out of your project. •Safety first! Always use eye protection and dress for safety: wear sturdy clothing, boots, gloves and be sure to wear a mask to avoid breathing dust and fibers. It is a good idea to also keep a good first-aid kit on hand. •Get the best. Build with quality equipment, materials and workmanship. Skimping up front means skimping on the boost-in-value end. •Before you undertake any do-it-yourself home improvement project, it's best to be aware of your limitations and recognize when it's time to throw in the towel and call in the pros. •Experts suggest you first start small and steer clear of your home's major components -- bearing walls, foundations, roofs, and major electrical, mechanical or plumbing work. •Consider your options. Instead of installing a new floor think about painting and. adding new fixtures instead. Maybe instead of expanding a room changing the lighting and adding a brighter decor scheme may do the trick. Small efforts for less money can often produce big changes. Many low-cost energy efficient home improvements, for example, come with cash-back opportunities in the form of lower utility bills, rebates and tax breaks. "Do-it-yourself" doesn't necessarily mean you have to hammer in every nail and fasten down every bolt. Some projects will require skills that are over your head or labor intensive. Hire a professional you can work with or enlist the skills of friends, neighbors and relatives. It is a good idea to do your homework and lots of research on the project you are about to tackle. For more information, and advice to help get you started, check out these helpful sites! FOR VENDOR INFORMATION CONTACT ME AT

Thursday, December 06, 2007

Things To Consider When House Hunting

When it comes time to buy a home there are some important factors to consider to ensure you make the right decision. You may want to buy a home in a particular neighborhood, or maybe you are looking for a large back yard. House hunting can be exciting, it can also be stressful and overwhelming. Use the tips below to help lead you in the right direction so make your experience a positive one and in the end find that house of your dreams! • Create a list. Think about what you and your family really need and want in your home. Focus in on the features you must have, would like to have, definitely don't want and would prefer not to have. Your goal is to find the right home for your family without falling in love with one that doesn't suit your needs. A good idea to get started is to think about what you like and dislike about your current home. • Location, location, location. You've probably heard this old real estate cliché several times, but the point still bears repeating. Location is crucial. How far are you really willing to commute to your place of employment? How close are the local schools, shopping centers, and other amentiites. Is the potential home next to a busy road or a commercial property? Keep in mind even a picture-perfect dream home can be a mistake if it's in an undesirable location, and a poor-location home can be a particularly bad choice if you anticipate reselling the home within a few years. •Prepare by doing your homework. The internet is a great source of information about recent home sales prices, market trends, homes on the market, neighborhood statistics and the home-buying process. Go surfing. Get educated and learn all you can to help you make the right decision. •Affordability. Before you begin your search you shoud get pre-approved, so you know how much money you can borrow you'll know the price range you can afford. In addition, it can save you a lot of heartaches from falling in love in something way beyond your budget. Once you know your pre-approval loan, double check it by considering your present circumstances, lifestyle and spending habits. Once your confident with how much you can afford to buy, concentrate on the properties within your budget. Don’t be tempted to look at more expensive properties. and buying more than what you can afford. •Be prepared to make an offer. House-hunting can be especially frustrating if you think you're not really emotionally or financially ready to buy a home. If you're not ready, don't put yourself through that experience. If you are ready, go through a blank purchase contract ahead of time so you'll know what decisions you'll face when you make an offer.

My Albuquerque Podcast

Please tune in every month for my new Albuquerque Real Estate Podcast and updates on the market at my site at My newest Podcast can be heard at Happy Holidays!

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