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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Why Buyers Choose Me: Why homebuyers in the Santa Fe, Tesuque and Las Campanas area choose Nobél Davis as their Realtor
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Real Estate Tips
Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia
Q 
Where is the world's largest wine cellar, and how big is it?

A 
A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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FEATURED PROPERTY
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Luxury with a Slice of History
Circa 1920 / Plaster Walls, Hardwood Floors, Bancos, Beams, Latillas / Handcrafted Wood Spiral Staircase
Location: Northeast (city)
Price: $699,000 
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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

REALTOR CRS ePro Equal Housing MLS


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




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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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