Hilda Vasquez Realtor - Las Cruces NM

12/05/2024

⭐️⭐️⭐️⭐️⭐️

10/09/2024

1. You need a 20% down payment to buy a home.
Myth: Many people believe that a 20% down payment is mandatory for purchasing a home.
Reality: While a 20% down payment can help you avoid private mortgage insurance (PMI) and reduce your monthly payments, there are many loan programs available that require much lower down payments—some as low as 3% or even 0% for certain types of loans (e.g., VA loans, FHA loans).

2. Your credit score must be perfect to get a mortgage.
Myth: People often think only those with excellent credit can qualify for a mortgage.
Reality: Although a higher credit score can get you better interest rates, many lenders offer mortgage options for borrowers with less-than-perfect credit. FHA loans, for example, are designed to help people with lower credit scores qualify for mortgages.

3. Once you’re pre-approved, you’re guaranteed to get the mortgage.
Myth: Some buyers think that pre-approval means they will automatically get the mortgage.
Reality: Pre-approval is not a final approval. It’s based on your financial situation at the time you applied. Any significant changes—like taking on new debt, changing jobs, or lowering your credit score—could affect your ability to secure the loan when you’re ready to close.

10/01/2024

🏡 Dreaming of Owning Your First Home in New Mexico? 🏜️

New Mexico offers some of the most beautiful landscapes and vibrant communities. If you’re a first-time homebuyer, here are 3 reasons why now is a great time to buy:

⭐️Affordable Housing: New Mexico’s home prices are lower compared to many states, making it a fantastic option for first-time buyers.

⭐️Down Payment Assistance: Did you know New Mexico offers programs to help with down payments and closing costs? 🎉

⭐️A Place to Call Your Own: Enjoy stunning sunsets, outdoor adventures, and the sense of security that comes with owning a home.

Send me a DM to get started on finding your perfect place!

09/12/2024

Closing day! ✨
My clients are onto their next adventure 🫡🥳

07/26/2024

Nothing makes me happier than happy clients ✨

07/24/2024

Happy Day for my buyers!

06/14/2024

05/28/2024

Just Sold ✨
hope everyone had a great memorial day weekend ☀️

05/10/2024

Feliz Dia Mamas🫶🏼🌸

04/20/2024

04/05/2024

Showings available for Sunday and Monday still available!

Call or text to book a tour 575-694-5713