All articles about New Mexico First-Time Home Buyer Guide.
New Mexico's community property law means your spouse's debts affect your mortgage qualification even if they're not on the loan. Here's the best guide for married buyers.
Water rights in New Mexico are legally separate from land. Before buying rural property, you must verify ownership through the Office of the State Engineer. Here's how.
New Mexico closes through title companies, not attorneys. Here are the real alternatives to hiring a real estate attorney — and what each one actually covers.
The MFA website has income tables and program names. It doesn't have a DTI walkthrough, spousal debt explanation, or land grant due diligence checklist. Here's the comparison.
Military families at Kirtland AFB, Cannon AFB, and White Sands face VA loan community property traps unique to New Mexico. Here's the best resource for PCS buyers.
New Mexico's Head of Family property tax exemption explained — who qualifies, how to apply, deadlines, and how much it saves in each county.
New Mexico's seller disclosure form explained — what sellers must reveal, what they don't have to disclose, and how to protect yourself with inspections.
MFA FIRSTHome, HomeNow, and FirstDown explained — income limits, purchase price caps, and how to stack DPA in New Mexico.
VA loan and FHA loan requirements in New Mexico — community property complications, MFA stacking, DTI overlays, and military base market dynamics.
How first-time buyers navigate Santa Fe's high prices — MFA income limits, targeted tracts, workforce housing programs, and realistic price bands.
Why title searches in New Mexico go deeper than other states — Spanish land grants, clouded title risks, quiet title actions, and what to ask your title company.
New Mexico community property laws explained — spousal signature requirements, non-borrowing spouse DTI rules, and how to protect separate property.
Albuquerque median prices, days on market, neighborhood dynamics, and what first-time buyers need to budget in Bernalillo County.
Adobe home inspection checklist and maintenance guide for New Mexico buyers — moisture traps, cement stucco risk, viga inspection, and what to hire for.