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Adjusting the Amortization Schedule – Owner Financing

March 8, 2018 by tschubert Leave a Comment

When owner financing a home, you will be required to meet a certain monthly payment obligation. This obligation is often that of the underlying mortgage payment of the Seller. In some cases, where the home is owned "free and clear" (meaning that there is no mortgage on the Continue Reading

Time to Revisit this IMPORTANT fact..

January 7, 2016 by tschubert Leave a Comment

DO NOT PAY OVER LIST PRICE! This is a tactic becoming more and more common by novice real estate agents offering owner financing. They are not considering YOUR ability to refinance and complete the transaction. Nor are they considering mortgage underwriting guidelines that Continue Reading

Owner Financed Homes – Albuquerque and Rio Rancho

February 19, 2015 by tschubert Leave a Comment

Preview ALL Homes in Albuquerque and Rio Rancho offering Owner Financing in One Place. For FREE! We have helped 100's of Buyers purchase homes with Owner Financing. Bad Credit, Foreclosure, Bankruptcy are OK. Call Today. Continue Reading

Credit Checks and YOUR SSN#

February 3, 2015 by tschubert Leave a Comment

Well, once again while negotiating an offer, we were faced with the question as to whether to provide the Seller with the Buyers Social Security Number and financial information upon presenting the offer or not. This is a question that we, as a company, always answer the Continue Reading

New FHA Refinance Rules for Owner Financing

February 1, 2015 by tschubert Leave a Comment

FHA (in all of their wisdom) has changed the Refinance transaction rules for Owner Financing. Previously when you refinanced an Owner Financed transaction using FHA you were able to obtain a loan up to 96.5% of the appraised value of the home. Now FHA is limiting that loan Continue Reading

Exclusion #1 – Rules for Owner Financing in NM

June 5, 2014 by tschubert Leave a Comment

Exclusion #1 Here are the guidelines for those who plan to sell only one property in a 12 month period. 1. The natural person, estate, or trust provides seller financing for the sale of only one property in any 12-month period to purchasers of such property, which is Continue Reading

Exclusion #2 – Rules for Owner Financing in NM

June 5, 2014 by tschubert Leave a Comment

Exclusion #2 Here are the guidelines for those who plan to sell up to three properties in a 12 month period. 1. The person provides seller financing for the sale of three or fewer properties in any 12 month period to purchasers of such properties, each of which is Continue Reading

Why List with Owner Financing?

June 12, 2012 by tschubert Leave a Comment

You may not know this, but the majority of homes that offer Owner Financing are sold at list price. This is due to the seller offering a service that has a premium built into the listing. By offering Owner Financing the seller is allowing the buyer to "piggy back" on Continue Reading

Highest First Quarter Sales Since 2008

April 29, 2012 by tschubert Leave a Comment

Albuquerque, NM, April 23, 2012 – 1st Quarter 2012 single-family home sales increased 11.75% from 1st Quarter 2012, also making it the highest year over year 1st Quarter gain in home sales since 2008.   Average sale prices saw a 6.26% reduction from 1st Quarter 2011 while Continue Reading

Rising Rates = Rising Real Estate Contracts

April 23, 2012 by tschubert Leave a Comment

We all know what is coming down the pipe. Rates will rise in the future. This is going to be interesting for individuals that are selling their homes and have potential buyers that are not able to qualify due to "debt to income" ratio issues. When mortgage rates increase Continue Reading

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ABQ-Owner Financing

BHHS NM Properties
6711 Academy Rd NE Suite B
Albuquerque, NM 87109

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ABQ-Owner Financing

Our goal is simple, “Place GREAT people in GREAT homes.” Our team has over 10 years in the Mortgage Banking industry as well as 17 combined years in Commercial and Residential Real Estate. Meet Us

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