BUYING:

Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email . We pride ourselves on repeat business and hope you'll come to understand why.


As Your Agent, We Will:

. Assure that you see all the properties in the area that meet your criteria.
. Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
. Make sure you don't pay too much for your new home and help you avoid costly mistakes.
. Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.


Before You Start Looking For Your New Home:

. Check your credit rating. Straighten out any errors before its too late.
. Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
. Find a loan programthat meets your needs and get pre-qualified (preferably pre-approved).
. Choose a REALTOR® that you trust and who understands your needs.
. Determine what neighborhood best matches your needs.
. Identify important features you need your new home to have.


Closing Costs to Expect:

. Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
. Third-party fees include charges for insurance, title search, and other inspections such as termites.
. Government fees include deed recording and state & local mortgage taxes.
. Escrow and interest fees include homeowner's insurance, loan nterest, real estate taxes, and occasionally private mortgage insurance.

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like.  As the leading agency in Gallup, New Mexico , here is how we will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest.

You will have full access to ALL homes available throughout:

We recommend taking the following steps to ensure that when it comes time to move to Gallup from any location, the process is smooth and simple. At the end of the day, it is all about research.

First, Get Organized . When moving many miles away it makes sense to organize a list of the key information required before deciding where to live. Important questions that will need to be answered include:

•  What is the cost of living? How far will the new money go?
•  What is the price of a similar sized house in the new location?
•  What is the community like? Crime rates?
•  How is the school system?
•  What is the noise factor?
•  Will this be a good area for my spouse to find work?
•  What is the public transportation system like?
•  How long will my commute be?

For information on Gamerco, Ramah, Bluewater, Vanderwagon, Gallup and the surrounding areas, and to get a sense of the personality of the region, please visit our Neighborhood Information page.

Your Coldwell Banker High Desert® Sales Associate can provide detailed information on almost any property currently listed for sale, whether it is listed by a Coldwell Banker High Desert® Affiliate or another real estate company.

If you see a "For Sale" sign or an ad in the newspaper that interests you, we have access to all the data. So call us for details such as:

•  The listing price
•  The description
•  The special features
•  The financing terms

Once we are already familiar with your housing and financial needs, why go through the process again with someone else? We can save you time and take the hassle out of house hunting, and it won't cost you a penny more!

Use the Internet . For perhaps the biggest decision in the entire process, finding a home, the World Wide Web is an invaluable tool. Web sites such as www.coldwellbanker.com can provide visitors with an abundance of incredibly useful information. A function like the Home Price Comparison Index on the site will calculate approximately how much a house will be worth in the new market, which as a result will provide insight into the cost of living. Visitors also can find a variety of community and neighborhood information including median age and income, percentages of married couples and children, recent home sales, and a listing of elementary and high schools with demographic information on the schools.

Work With Your Employer. Make it clear to your new employer that your spouse now will be in need of a job in Gallup and the surrounding communities . The company likely will have relationships with relocation experts and executive recruitment firms to help in the spousal job search process.

Simplify the Move. Coldwell Banker® customers can use my Coldwell Banker Concierge ® Service Program for assistance in all aspects of the move. Your Coldwell Banker Concierge Service Program representative can help make things easier with service categories across the nation.

Ask us any question about buying a home in Gallup . It's our job to help you! There's no obligation, and we promise to respond quickly...