Tax Return Burning Hole in Your Pocket: Use It To Invest

It's that time of year again, you're getting your tax refund! If you're thinking, YAY FREE MONEY, why not spend some of that money on a down payment for a house? 

Think about it, you're always going to need a place to live and tenting means living by someone else's rules. You want a pet? Too bad your landlord says no. You want your friend to move in? Too bad they aren't on the lease? Sick of your upstairs neighbors blasting their music at all hours? Or maybe you've outgrown your current place and fighting over bathroom space with your S/O is getting out of hand?These are all too common with apartment living or even when you're renting a house.

Why not buy? It's not as scary as it sounds and with government programs like FHA, and MFA you can get 3.5% down payments or even a $500 down payment as opposed to the usual 10-20% down payment for conventional loans. This means your tax return could be more than enough to buy a home. With even a little left over to buy yourself a house warming gift or two ;)

There is so much in the market right now.  Whether you're handy and want a fixer upper, there is foreclosure with your name on it. Or if you want new construction, where you can pick everything from your floor plan to your paint colors, I can help you find it.

Give a call (575) 521-1000 

http://www.coldwellbankerlegacy.com/valerie.day

Realtor In Southern New Mexico

Almost six months ago I decided that I was going to become a New Mexico Realtor.  I had read a half dozen books, interviewed/interrogated everyone I knew that had ever been, was, or even had thought about becoming a Realtor.  I wanted to know the good the bad and the ugly before I dropped a chunk of our savings into a 90 credit hours of real estate.  Once I was satisfied with my new found wealth of knowledge, I pulled the trigger, and  that was when I knew I could never look back.

As I barreled through my studies I realized that there was so much more to buying and selling residential real estate than I had ever assumed.  


There are so many laws and regulations that differ based on what state you intend to work in but there are also laws that mus be followed on a national level.  (Hence the reason for two exams.)   Also to my surprise there was quite a bit of math.

I have to tell you after I completed the 90 hours of study I have a lot of respect for those of us in this field. You have to know your stuff if you think you're going to succeed.  You have to be willing to go the extra mile for your clients and you have to understand that this is the biggest purchase of most peoples lives.  Even though this may only be a commission to you, this may very well be a life long commitment for the people that are buying a new home.  For the clients that are selling, they are selling much more than just a piece of property, they are selling a scrap book of their past.  

So if you don't think that you can be ethical, sincere, and complete math equations on the fly, real estate may not be for you, but on the other hand if you're looking for someone that is willing to do all those things, send me an email.

*Even if you're not in Southern New Mexico I can help you find another great Realtor wherever you are.