Anna Soto, Realtor

Anna Soto, Realtor Certified Military Relocation Professional,
Bilingual, Sellers, and Buyers Why Choose Anna Soto? For Sellers: Anna's marketing prowess is unparalleled.

Licensed Realtor & Certified Military Relocation Professional

Anna Soto, a licensed Realtor with a passion for helping military & local clients Eastern New Mexico, is proud to serve the communities of Clovis, Cannon Air Force Base, and Portales. With over 100 successful real estate transactions and more than $25+ million in sales, Anna has built a solid reputation as a top-producing agent in her

local industry. Her dedication to serving both local and military clients from around the world has earned her recognition and trust. About Anna Soto
Anna's journey into real estate was preceded by a distinguished academic career. She holds a Bachelor's degree from Eastern New Mexico University and a Master's Degree from Waylon Baptist University. Anna's educational background has been instrumental in her transition and excel into the real estate industry. With a strong commitment to integrity, honesty, and a client-first approach, Anna has become a trusted advisor for those looking to buy, sell, or relocate. She understands the unique challenges that military families face when relocating, and as a Certified Military Relocation Professional (MRP), she excels in managing the details involved with transitioning to a new area, making the process less stressful. She invests substantial time, energy, and resources to ensure that your property not only achieves the highest sales price but also offers a smooth and stress-free transaction. For Buyers: Anna's approach is what sets her apart. She doesn't see herself as a salesperson but as a dedicated service provider. Her priority is to protect your interests above all else, ensuring that you make well-informed decisions. Anna's dedication extends beyond her professional life. In her free time, she is a gym rat, enjoys reading, and participates in co-ed indoor soccer, showcasing her commitment to a balanced and active lifestyle. Achievements and Recognition
* 2023 Certified Military Relocation Professional: Anna's expertise in serving military clients is certified, making her a go-to resource for those in need of specialized support during relocations.
* 2022 Top 5 eXp Individual Sales Producer, New Mexico: Anna's exceptional sales performance earned her a place among the top eXp producers in the state.
* 2021 Certified Mentor, eXp: Anna's commitment to mentoring and guiding others in the industry is recognized through her certification.
* 2023 Voted Best Real Estate Agent, Portales, NM: Her dedication to the local community is evident in this accolade.
* 2023 Best Real Estate Brokerage, Clovis & Portales, NM: Anna is part of the award-winning team at eXp Realty, recognized as the best brokerage in the area.
* 2021 Best Real Estate Agent, Clovis, NM: Anna's excellent service was acknowledged by the local community.
* 2020 Top Social Media Realtors by Property Stars: Her expertise in social media marketing was acknowledged at the state level.
* 2019. Member of the National Association of Realtors: Anna is a proud member of the NAR, committing to the highest ethical standards in the industry.
* 2023 Member of NAHREP (National Association of Hispanic Real Estate Professionals): Anna's dedication to diversity and inclusion in real estate is evident through her membership.
* 2021 Co-Founder of "Latinas en Real Estate": Anna is passionate about creating communities and opportunities for fellow professionals.
* Over $25 Million in Real Estate Sales: Anna's impressive track record speaks to her success in serving clients. Anna Soto is not just a Realtor; she is your dedicated partner in achieving your real estate goals. Whether you're a buyer, seller, or a military family in need of expert support, Anna is here to guide you through every step of the process with her signature professionalism, attention to detail, and unwavering commitment to your needs.

03/04/2026

💰 Earnest money question I get all the time:
“If I cancel a contract, do I lose my earnest deposit?”

The answer is: it depends on the reason and the timing.

Most real estate contracts include contingencies, which are protections for the buyer. If one of these contingencies applies and you cancel within the allowed timeline, you can usually receive your earnest deposit back.

Some common examples include:

🔍 Home inspection contingency
If the inspection reveals issues and you decide not to move forward within the inspection deadline.

📉 Appraisal contingency
If the home appraises lower than the contract price and the parties can’t come to an agreement.

🏦 Financing / lending contingency
If your loan is not approved despite good faith efforts.

🏡 Title issues
If problems with ownership or liens are discovered.

📄 HOA document review (when applicable)
If you review HOA documents and decide the property is not a good fit.

⸻

However, if a buyer simply changes their mind — like finding a different home they like better — and none of the contractual contingencies apply, then the buyer may risk losing their earnest deposit.

That’s why deadlines and contract terms are extremely important. A good Realtor keeps track of those timelines to help protect your deposit.

Every contract can be structured a little differently, so if you have questions about earnest money or the buying process, feel free to reach out. I’m always happy to help 🤍

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

02/26/2026

🏡 Real estate question:
How many times can a buyer and seller counter back and forth on an offer?

Short answer: technically… as many times as you want.

I’ve seen contracts go back and forth more than 10 times. There’s no official limit in most situations — you can keep negotiating until one side accepts or walks away.

But here’s the part people don’t always realize 👇

After about the second or third counter, tension usually starts to build.
When negotiations drag on too long, it can create frustration on both sides. And when a deal starts with tension, the chances of it falling apart later (during inspections, repairs, etc.) often increase.

That’s why I typically recommend keeping counters focused and strategic. Most smooth transactions come together within one to three counters. It keeps communication clear and helps both sides feel good about moving forward.

Every deal is different, and sometimes more negotiation is necessary — but strong, thoughtful offers and clear expectations from the beginning usually lead to the best outcomes.

If you’re thinking about buying or selling and want a strategy that keeps negotiations smooth and productive, I’m always here to help 🤍

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

02/24/2026

Did you know the State of New Mexico is holding Delinquent Property Tax Auctions in March 2026? 👀

That means properties where owners haven’t paid taxes for several years are being auctioned off by the state.

Here are the counties currently scheduled for March 2026:

📍 Harding – March 2
📍 Union – March 3
📍 Colfax – March 4–5
📍 Santa Fe – March 13
📍 Eddy – March 17
📍 Lea – March 18
📍 Otero – March 24

Now here’s the part that affects US locally 👇🏽

❗️As of right now, Curry County and Roosevelt County are NOT on the March schedule.

That does NOT mean they won’t have auctions in 2026 — it just means they are not currently scheduled for March.

These auctions are handled by the State of NM (not the county MLS), and properties are typically several years delinquent before they qualify.

⚠️ IMPORTANT:
Buying at a tax auction is NOT the same as buying a normal listing. There are risks, research requirements, and strict payment rules.

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📍 Clovis • Cannon AFB • Portales
🏠 Military Relocation Specialist

02/21/2026

Prime downtown Clovis commercial property now available with stabilized income + strong value-add potential. Located just steps from the courthouse in the heart of town, this two-unit asset offers immediate cash flow with long-term upside — ideal for investors or owner-users seeking a flagship location.

💼 Unit 1 – Stabilized Government Tenant
6,700 SF professional office currently leased to the State of New Mexico Public Defender’s Office on a long-term lease through 2037 with option to extend to 2042. Annual 3% increases provide consistent growth and reliable income backed by a government tenant.
Even with only one unit occupied, the property is producing an estimated ~8% cap rate.

Recent updates include new HVAC units and fresh exterior paint. The suite features multiple private offices, reception areas, conference rooms, storage, and breakroom.
🚗 27 off-street parking spaces

✨ Unit 2 – Value-Add Opportunity
5,700 SF historic brick building full of character and ready for repositioning. Hardwood floors, high ceilings, fireplaces, and open layout make this ideal for office, retail, restaurant, event venue, or creative redevelopment.
🚗 17 off-street parking spaces

This asset offers:
✔ Long-term government tenancy
✔ Built-in annual rent increases
✔ Immediate cash flow
✔ Downtown visibility
✔ Major upside potential

A rare opportunity to acquire a high-visibility commercial property in one of Clovis’ most central locations.

Offered at $889,000 💰
📊 Financials & lease details available with signed NDA
📩 Message me for more information or to schedule a private tour

Anna Soto, REALTOR®
Commercial & Investment Properties
eXp Realty

02/19/2026

💰 “How much cash do you REALLY need to buy a home?”

Even with a VA loan (or seller-paid closing costs), you still need some money ready before closing.

Here are the most common upfront costs buyers should expect 👇

🔹 Earnest Money Deposit (EMD)
This shows the seller you’re serious.
✔ It’s negotiable
✔ It goes toward your purchase at closing
✔ But you need it available upfront

🔹 Appraisal Fee
Usually paid upfront once you’re under contract.
Sometimes this can be negotiated or credited back at closing — but not always.

🔹 Home Inspection
Almost always paid by the buyer.
This is non-refundable and paid before closing.

⸻

Yes, sellers can sometimes help with closing costs 🤝
Yes, everything is negotiable.

But even when sellers help, you should still plan to have cash ready for:

✔ Earnest money
✔ Inspection
✔ Appraisal
✔ A small cushion

Buying a home isn’t “no money at all” — it’s about being prepared and structuring the deal wisely.

The key is strategy. The numbers look different in every contract.

If you’re military or local and thinking about buying, let’s talk through what your situation would realistically look like.

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

🏢 NEW COMMERCIAL LISTING | $889,000Downtown Clovis Investment OpportunityPrime downtown Clovis commercial property now a...
02/18/2026

🏢 NEW COMMERCIAL LISTING | $889,000
Downtown Clovis Investment Opportunity

Prime downtown Clovis commercial property now available with stabilized income + strong value-add potential. Located just steps from the courthouse in the heart of town, this two-unit asset offers immediate cash flow with long-term upside — ideal for investors or owner-users seeking a flagship location.

💼 Unit 1 – Stabilized Government Tenant
6,700 SF professional office currently leased to the State of New Mexico Public Defender’s Office on a long-term lease through 2037 with option to extend to 2042. Annual 3% increases provide consistent growth and reliable income backed by a government tenant.
Even with only one unit occupied, the property is producing an estimated ~8% cap rate.

Recent updates include new HVAC units and fresh exterior paint. The suite features multiple private offices, reception areas, conference rooms, storage, and breakroom.
🚗 27 off-street parking spaces

✨ Unit 2 – Value-Add Opportunity
5,700 SF historic brick building full of character and ready for repositioning. Hardwood floors, high ceilings, fireplaces, and open layout make this ideal for office, retail, restaurant, event venue, or creative redevelopment.
🚗 17 off-street parking spaces

This asset offers:
✔ Long-term government tenancy
✔ Built-in annual rent increases
✔ Immediate cash flow
✔ Downtown visibility
✔ Major upside potential

A rare opportunity to acquire a high-visibility commercial property in one of Clovis’ most central locations.

Offered at $889,000 💰
📊 Financials & lease details available with signed NDA
📩 Message me for more information or to schedule a private tour

Anna Soto, REALTOR®
Co-listed with Allen Elmore, eXp Realty

02/14/2026

🏡 Buyer tip of the day:
If you’re waiting to buy a home just to raise your credit score a little higher… this is something to think about.

A higher credit score can help your interest rate — yes.
But what many buyers don’t realize is that market timing can matter just as much (sometimes more).

Example 👇
Someone with excellent credit who buys when rates are higher could still end up with a higher monthly payment than someone with average credit who bought when rates were lower.

So while credit is important, waiting months (or years) just to gain a few points might not always be the best strategy.

Here’s the mindset I like to share with my buyers:
✔ Buy when you’re financially ready
✔ Buy when the payment makes sense for YOU
✔ If rates drop later, you can refinance
✔ If rates rise later, you’ll be glad you didn’t wait

And remember — those 3% interest rates from years ago were a rare moment in time. Today’s market is different, and trying to perfectly time everything can sometimes cause buyers to miss opportunities.

Every situation is different, but sometimes it’s worth having the conversation sooner rather than later so you can look at the full picture.

If buying is on your mind this year and you want to talk strategy, I’m always here to help you think through the timing and numbers. 🤍

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

02/12/2026

🇺🇸 VA loan tip:
Using your VA loan once doesn’t mean it’s gone forever.

Many military families:
✔ Buy a home
✔ PCS later
✔ Turn it into a rental
✔ Use VA again at the next duty station

Your entitlement can be reused depending on the situation, and it’s one of the most powerful wealth-building tools available to military families.

If you’re stationed at Cannon AFB and thinking long-term with your VA benefits, let’s talk strategy.

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

02/10/2026

🇺🇸🏡 Veterans: Did you know there are TWO ways to refinance with a VA loan?

If you already own a home, this could save you money or help you access your equity.

1️⃣ VA Streamline Refinance (IRRRL)

✔ Lower interest rate
✔ Lower monthly payment
✔ Minimal paperwork
✔ Faster closing
✔ Must already have a VA loan

Great for veterans who just want to reduce their payment.

2️⃣ VA Cash-Out Refinance

💰 Access your home equity
🔄 Refinance FHA, conventional, or VA into VA
🏠 Use funds for debt, repairs, or goals

Requires appraisal + full approval but gives you flexibility.

Every situation is different, so if you’re a veteran homeowner and curious whether refinancing makes sense, I’m happy to connect you with a trusted VA lender.

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

02/04/2026

🇺🇸🏡 VA Buyers — let’s talk about BAH (because this can help you qualify).

A lot of military buyers don’t realize this, but BAH (Basic Allowance for Housing) can often be used as qualifying income when applying for a VA loan 💡

Here’s the simple breakdown 👇

✅ BAH is considered stable income
Even though it’s non-taxable, many VA lenders can include it when calculating your buying power.

📊 It can help your debt-to-income ratio (DTI)
This can make a BIG difference in how much home you qualify for.

📄 What lenders usually need:
• Your LES
• Proof of consistent BAH
• Orders / duty station information

⚠️ Important to know:
Not all lenders treat BAH the same — how it’s calculated depends on the lender’s VA experience and your timeline (especially if a PCS is coming up).

💡 Bottom line:
Using BAH correctly can open doors to homeownership sooner — but it needs to be structured the right way.

If you’re using your VA benefits and want to understand how your income REALLY works, message me anytime 🇺🇸✨

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

02/03/2026

🇺🇸🏡 VA Buyer Tip: When you close can affect when you make your FIRST payment.

Here’s a strategy I like to explain to my VA buyers because most people don’t know this 👀👇

⏰ Most lenders don’t require your first mortgage payment until about 30–60 days after closing.
That means your closing date matters.

📅 Example:
• Close at the end of January ➝ first payment is usually due in March
• Close in the first week of February ➝ first payment is often due in April

That’s a BIG difference in timing 😮

⚠️ Important clarification:
This doesn’t mean you’re skipping payments or doing anything shady.
✔️ Interest is still calculated daily
✔️ Prepaids/escrows are still accounted for
✔️ But in many cases, seller concessions can help cover those upfront costs

💡 The goal is to structure the timing in a way that benefits YOU, especially if you’re PCSing, moving, or trying to keep more cash on hand at the beginning.

This is something I wish I had known earlier — so now I make sure my buyers understand it before we write an offer 🤍

Have questions about timing your purchase with a VA loan? Message me anytime 🇺🇸✨

Anna Soto - REALTOR®️
🏡 EXP Realty, LLC
📲Cell (575) 749-3574
☎️Office (505) 554-3873
📥 [email protected]
💻 https://annasoto.exprealty.com
📍Clovis, NM, CAFB, Portales, NM
🏠Military Relocation Specialist • Residential

Address

1520 Comer Drive
Clovis, NM
88101

Telephone

+15757493574

Website

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