Santa Fe NM Real Estate, Tesuque and Las Campanas real estate and homes for sale in New Mexico. Santa Fe Luxury Homes and Santa Fe Historic Eastside - Nobél Davis, REALTOR® Nobél Davis REALTOR(r) Santa Fe Real Estate, luxury homes, historic eastside - NUMBER1EXPERT™ Nobél Davis NUMBER1EXPERT(tm) Santa Fe NM Real Estate, Tesuque and Las Campanas, New Mexico.

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Find out why I am a top producing luxury home specialist in Santa Fe. Call me toll free 1.888.300.5580 Local: 505.988.4040


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"....professionalism, enthusiasm and knowledge of the market... it's awesome."
" - Dr. Mary Anderson, buyer"
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Mortgage Prequalification: Santa Fe, Tesuque and Las Campanas New Mexico home buying, real estate listings, and homes for sale in Sante Fe County, NM
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Santa Fe, Tesuque and Las Companas REALTOR® to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

 

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Real Estate Tips
Tax Considerations >Tax Rewards for Homeowners

The Federal Tax Code has significantly improved the American taxpayer's ability to profit by selling a principal residence. Prior to 1997, homeowners could take advantage of a tax benefit termed the "rollover", which granted exemption from capital gains taxes on the net profit from the sale of a home. Homeowners who used profits to purchase a bigger and better home did not have to pay tax. And homeowners over the age of 55 were given a once-in-a-lifetime exclusion from taxes on profits of up to $125,000 on the sale of their principal residence.

Compare those tax breaks with our current, streamlined and potentially more profitable arrangement that replaced both the rollover and the one-time exemption. If you are a married home-seller filing jointly, you may enjoy up to $500,000 in tax-free home sale profits, provided you have occupied the property as your principal residence during two of the last five years. Taxpayers who file singly get a $250,000 capital gains exclusion. Homeowners are eligible to exclude capital gains on the sale of a principal residence as often as once every two years.

The law allows capital gain exclusions whether you "buy up" to a more expensive home or "buy down" to a less expensive one. The tax-free dollars can be used in any way you want. Consult your tax advisor for detailed advice about your particular circumstance.

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Real Estate Trivia
Q 
What tropical haven is back in vogue, attracting celebrities like Cher, Madonna, and Sylvester Stallone, who have homes here?

A 
Made up of 17 islands in Biscayne Bay, Miami Beach is the "American Riviera" and famous for its tropical beauty.
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FEATURED PROPERTY
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Historic District Restoration
Turn of the Century Bungalow
Location: Guadalupe Historic District
Price: $599,000 
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Nobél Davis, REALTOR®, real estate agent and broker for Santa Fe, Tesuque and Las Campanas New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Nobél Davis
Santa Fe Exclusives, Inc.

119 W. Coronado Rd.
Santa Fe, NM. 87505
Phone: 505.988.4040
Toll Free: 888.300.5580
Fax: 505.988.3736
Email: Nobel@SantaFeExclusives.com

Nobél Davis is the only Santa Fe Realtor® specializing exclusively in luxury homes. For more than 23 years she has concentrated solely on luxury real estate. Cultivating this focus has made her a luxury home specialist in the Santa Fe real estate market. 888.300.5580 505.988.4040

REALTORCRSeProEqual HousingMLS


Santa Fe Exclusives, Inc. real estate and homes for sale in Santa Fe, Tesuque and Las Campanas New Mexico




The data relating to real estate for sale in this web site comes in part from the Internet Data Exchange (IDX) program of SFAR MLS Inc. Real estate listings held by brokers other than Santa Fe Exclusives are marked with the IDX Logo. All data in this web site is deemed reliable but is not guaranteed.

"All real estate advertised herein is subject to the Federal Fair Housing Act and the New Mexico Fair Housing Act, which Acts make it illegal to make or publish any advertisement that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin.

SFAR MLS, Inc. will not knowingly accept any advertising for real estate that is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis."

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