New Mexico Land & Title is proud to lend their insight, experience, and professional services to clients throughout the state. From Bernalillo to Sandoval, Rio Arriba, Cibola, and Eddy counties, their goal is to help make the process of obtaining and maintaining property simple and hassle-free. By offering transparent and timely titling services clients can trust, New Mexico Land & Title has created an upstanding reputation within the community and are proud to partner with The Maez Group. Open communication during each step of the process is vital to the peace of the consumer, which is why they take great pride in ensuring their clients know what’s happening throughout the entire transaction. From the initial property title search and determining interest and regulations regarding a property, to the final settlement of the transaction where they work with the brokers, buyer, and seller to establish a closing date, their dedication is evident in everything they do.
Frost Mortgage Lending Group is a direct lender and mortgage broker, providing residential loans to New Mexicans. The family-oriented model of collaboration between Frost Mortgage and The Maez Group means they’re sharing knowledge every day, collaborating and communicating to meet the needs of their clients, and keeping with their culture of providing service that exceeds industry standards to each and every consumer. Working closely with The Maez Group transaction team to provide the best service, Steve Lowe, Ammar Nesheiwat, and Michael Freeman “treat everyone like a first-time home buyer,” with daily updates; guiding consumers through the lending process with as much communication and as little stress as possible.
Working with The Maez Group makes the process smoother for everyone. With a group of people and network of resources at their disposal for each transaction, finding the best way to get people into homes is made easy. The Frost team makes sure each client understands the ins and outs of every type of mortgage and program—exploring every option and receiving recommendations without being pushed—so they can make the best choice for themselves. Each transaction starts with a strategic planning session, ensuring the consumer understands the expectations placed on them and Frost’s role as loan originator. As the process moves to securing the loan, everyone from the client and loan officer, to the brokers on both sides, know what’s happening and can easily track the progress. Once a decision is reached, the transaction moves relatively quickly, with pre-approval letters written the same day as the application is received.
In collaborating with The Maez Group, they’ve created a reputation for excellent customer service and friendly professionalism. Originating Branch Manager Steve Lowe believes in prioritizing service over sales, providing consumers with everything they need to apply for a mortgage without pressure. Unlike traditional banks, Frost Mortgage aims to reduce stress for their consumers, providing advice on credit repair, waiting to pull credit reports and require documentation, educating their clients along the way, and communicating with absolute transparency.
A major benefit to being a local company is Frost’s ability to utilize local resources—underwriters, processing staff, and The Maez Group transaction team—a unique advantage over big banks. Day or night, Frost consumers know their loan is being handled by experts who are invested in the same community where their house is being purchased; the same community where the Frost Mortgage and Maez Group teams are raising their own families.
Pre-qualification prepares you for the loan application process by establishing how much mortgage you can afford. The mortgage lender will use details you provide about your credit, income, assets, and debt to arrive at an estimate of how much mortgage you can afford. The pre-qualification process may anywhere from a few minutes to a few hours and is free.
While a pre-qualification is non-binding to the lender (because the information you provide hasn’t been verified), it does serve as a good indication of your general creditworthiness to potential sellers.
These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.