Laid Back Lender

05/20/2026

https://fb.watch/HcRsXd6l0P/?

05/05/2026

https://www.facebook.com/share/1BGJcqgAb5/?mibextid=wwXIfr

Let me get you qualified!

NEW NEW NEW! BACK ON THE MARKET DUE TO BUYER FINANCING! Come see this lovely home manufactured by Karsten on a permanent foundation! Home is powered by PNM, will have a shared well, and has a brand new septic tank! This place is spacious and bright, with 3 bedrooms and 2 baths. Relax in the open liv...

03/22/2026

Interesting

This is the kind of graphic realtors post to make renting look like you lit your paycheck on fire.

That’s a nice sales tactic.

It’s not a full financial analysis.

The median existing home price in February 2026 was $398,000.

At today’s average 30 year mortgage rate of 6.22%, a buyer putting 5% down is looking at roughly $2,321 per month in principal and interest alone.

That doesn’t include property taxes, homeowners insurance, PMI, HOA fees, repairs, or maintenance.

Then add closing costs. The CFPB says buyers should typically expect 2% to 5% of the purchase price in closing costs, not including the down payment.

On a $398,000 home, that’s about $7,960 to $19,900 before you even get the keys.

And once you own it, the meter doesn’t stop. CFPB says homeowners also need to budget for taxes, insurance, maintenance, repairs, and other ongoing costs.

Fannie Mae says a common rule of thumb is to budget 1% to 4% of the home’s value per year for maintenance and repairs. On a $398,000 house, that’s roughly $3,980 to $15,920 a year.

So no, renting is not automatically “throwing money away.”

Sometimes renting is the smarter move because it protects your cash flow, keeps you out of high interest debt, and stops you from buying a house you can’t actually afford to carry.

The real question isn’t whether a renter “lost” money.

It’s whether buying would’ve improved their net worth after mortgage interest, closing costs, taxes, insurance, and maintenance.

That coffee stained receipt graphic conveniently leaves all of that out.

03/13/2026

Another partner has this Rio Rancho house ready for you!

Charming and well-maintained home featuring 3 bedrooms,, 2 full bathrooms and a 1 car finished garage. This spacious layout and relaxing, vast outdoor oasis is perfect for entertaining.. All appliances are staying making it easier to make this turnkey property your own.

03/10/2026

02/18/2026

The Cramer gals have your next home in Alburquerque!

02/08/2026

Let’s get you ready to make an offer!

BRIGHT , OPEN, AND AIRY! NO POLY!! This home has been well cared for! Tile and bamboo flooring throughout! Refrigerated air will keep you cool during the summer months. Newer vinyl windows will keep the winter out! Tankless water heater! Large back yard with access ready for entertaining! Fruit tree...

01/25/2026

With NEXA Lending – I just got recognized as one of their top fans! 🎉