For Buyers…
Realtors have knowledge of the marketplace and areas, as well as up to date information. I can help you make the best decisions for you as you make an investment in your home. With 29 years experience, I will work on your behalf to get you the best deal and to make the transaction as smooth as possible.
As a Realtor, I provide the following services for you, the buyer, to help you through the home buying process:
Help you in locating financing.
Help you find the home that fits your needs.
Help you negotiate the terms of your purchase and make sure you are not paying over market value for the house.
Help you through the loan and appraisal process.
Help you through the inspection process and negotiate repairs with the seller.
Help you through the title work and closing process.
Benefits of Homeownership:
Take control. Avoid rent increases and cancelled leases while creating a home that meets your needs and tastes.
Build home equity. Grow your assets with the principal portion of your mortgage payments as your property value potentially increases.
Get tax benefits. Deduct mortgage interest and real estate property taxes on your income tax returns. (Consult a tax advisor regarding the deductibility of interest.)
Build your credit. Create a strong credit history by making on-time mortgage payments.
Ready to get started?
Start your home search here:
Applying for a Loan/Mortgage:
The first step to homeownership is to apply for a home loan/mortgage. Apply online with Carol Sinor, a loan officer with loanDepot or Jeree Hindi Tomasi, a senior loan officer with Financial Mortgage Solutions.
Alternatively, please feel free to call Carol, Jeree or Jennifer directly to discuss the process:
Carol Sinor (505) 350-0412
Jeree Hindi Tomasi (505) 249-0002
Jennifer Wilson (505) 440-1256
Mortgage Calculator
What you’ll need to start the loan process:
When preparing to purchase a home, getting a pre-approval from a qualified lender is a critical first step. To begin this process you will need to provide the following items for each person on the loan:
Full, legal name
Social Security number and date of birth
Complete residence and employment history, covering the most recent 2 years
Most recent 2 month history for assets used to qualify for the loan, such as savings, checking, etc.
Most recent 2 years of tax returns, including all W2s and/or 1099’s
Self-employed buyers will require 2 years of personal and business tax returns
Many different loans are available, depending on a buyer’s situation, and a good loan officer can help you decide which loan program is right for you.
Loans with zero down payment
First-time home buyer with $500 down payment
NEXTHome program is a combination first mortgage loan and down payment assistance second loan that is available to first-time and non-first-time homebuyers
3% and 3.5% down payment loan programs. In some of the loan situations, all or part of the down payment money can be gifted to the buyer.
About Carol Sinor, Loan Officer:
I have been doing mortgages for folks in Albuquerque and surrounding areas for about 19 years. Prior to that I was a teacher for Albuquerque Public Schools for over 10 years. I am told that I take my educational skills into the mortgage loan process because it is very important to me that all of my clients completely understand and trust the loan process. Customer service, which includes educating my clients, quick response to emails and calls, and keeping all parties informed throughout the process, is what I value and why my clients and realtors value me. Universal Lending Home Loans is also a great company, with over 30 years in the industry, family owned and focused on in-house processing, underwriting, and closing. We offer every type of loan product you could want, including Conventional, FHA, VA, Renovation Loans, First-Time Buyer, Jumbo, ARMS, Investment, and Reverse Mortgages. I am here to help!
About Jeree Hindi Tomasi, Senior Loan Officer:
I'm proud to be an Albuquerque native and University of New Mexico Lobo! After marrying my college sweetheart in 1984, I began my career in the mortgage industry at Southwest Mortgage working in the secondary market and closing departments. In 1993 I joined mortgage broker Melbourne Financial Corporation as a loan processor and progressed into loan originating, working with the Melbourne family for the next 22 years. As a seasoned Loan Officer, I became a valuable member of the Financial Mortgage Solutions team in 2015 where my focus is to carefully guide clients throughout the home loan process so they feel confident as they make decisions on financial strategies. I understand that a home is one of the largest financial commitments a person will make and am committed to working for my clients’ best interests through professional, transparent and clear communication from beginning to end, with no surprises at closing. I take pride in providing a superior customer service experience tailored to each and every borrower, with the goal of being “your lender for life.”
Buyer Booklet 1
Buyer Booklet 2
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