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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Ed Smith, a proven Albuquerque and Rio Rancho, New Mexico NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Albuquerque and Rio Rancho Homes - Find Albuquerque and Rio Rancho, New Mexico real estate listings & homes for sale provided by Ed Smith, your local expert real estate agent. New Construction, University

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  • Albuquerque and Rio Rancho Information - Find local information on Albuquerque and Rio Rancho, New Mexico including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Ed Smith, a proven NUMBER1EXPERT™ Top Selling real estate agent.

  • Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Ed Smith, a proven Albuquerque and Rio Rancho, New Mexico NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

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Real Estate Trivia
Q 
What is considered one of the key elements of the American dream?

A 
Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year.
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Ed Smith, REALTOR®, real estate agent and broker for Albuquerque and Rio RanchoNew Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Ed Smith
RE/MAX Masters

6705-A Academy NE
Albuquerque, NM 87109
Cell: 505-263-4423
Fax: 505-883-9244
Toll Free: 1-800-753-2782
Email: edsmith@NUMBER1EXPERT.com
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