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ALBUQUERQUE NEW MEXICO HOMES FOR SALE

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Gift Realty NM
Albuquerque, New Mexico
Phone: 505-363-5156
Fax: (505)-890-9333
Email Gift Realty NM



Yahoo! News: Top Stories
Analysis: Obama's course correction shifts dynamic (AP) 2/11/2012 2:32 AM

President Barack Obama pauses while announcing the revamp of his contraception policy requiring religious institutions to fully pay for birth control, Friday, Feb. 10, 2012, in the Brady Press Briefing Room of the White House in Washington. (AP Photo/Pablo Martinez Monsivais)AP - President Barack Obama's opposition is now the divided one.


Conservatives shrug at Obama birth control rewrite (AP) 2/11/2012 2:42 AM

Republican presidential candidate, former Massachusetts Gov. Mitt Romney embraces Al Cardenas, chairman of the American Conservative Union, Friday, Feb. 10, 2012,  at the Conservative Political Action Conference (CPAC) in Washington.  (AP Photo/J. Scott Applewhite)AP - President Barack Obama's political shifting over contraception coverage has united conservative Republicans in protest even as they split over which GOP presidential hopeful should face him in the general election.


For Romney, a new strategy after a Santorum surge (AP) 2/11/2012 3:36 AM

Republican presidential candidate Mitt Romney speaks at a campaign stop, Friday, Feb. 10, 2012, in Portland, Maine.  (AP Photo/Robert F. Bukaty)AP - Republican presidential candidate Mitt Romney is casting himself as a strict conservative as he looks to reset his campaign following three losses to rival Rick Santorum.


AP Exclusive: Inside the making of the Bali bombs (AP) 2/11/2012 2:50 AM

FILE - In this Nov. 29, 2011 file photo, terrorist suspect Umar Patek, center, is escorted by police officers as he arrives to testify for his wife, Ruqayyah binti Husein Luceno, who is on trial for immigration violations, at a district court in Jakarta, Indonesia. Southeast Asia's most notorious suspected bombmaker, nicknamed the 'Demolition Man,' is facing trial in Indonesia for his alleged role in the 2002 Bali bombing. Umar Patek's trial begins Monday, Feb. 13, 2012,  in a Jakarta court. It follows his nine-year flight from justice that took him from the Philippines to Pakistan. (AP Photo/Tatan Syuflana, File)AP - An Indonesian militant charged in the 2002 Bali terrorist attacks has told interrogators he spent weeks holed up in a rented house, painstakingly building a half-ton bomb using household items including a rice ladle, a grocer's scale and plastic bags.


Old well becomes focus of search for more bodies (AP) 2/11/2012 2:22 AM

FILE - In this undated file photo provided by the California Department of Corrections, Wesley Shermantine is shown.  Information provided by the California death row inmate who was one of the two notorious 'Speed Freak Killers' led to the discovery Friday Feb. 10, 2012 of a second set of human remains, this time believed to belong to a 16-year-old girl who went missing nearly three decades ago.  (AP Photo/California Department of Corrections, File)AP - A death row inmate has led authorities to an area of Northern California believed to be the burial sites of two victims of the notorious "Speed Freak Killers," as searchers focused Saturday on an abandoned well for any additional remains.


US gov't official meets with new Maldives leader (AP) 2/11/2012 2:47 AM

Maldives' former President Mohamed Nasheed, center, lifts a child as he walks out from a Mosque following prayers with his supporters in Male, Maldives, Friday, Feb. 10, 2012. (AP Photo/Eranga Jayawardena)AP - A top U.S. government official met Saturday with leaders in the Maldives to assess the political situation in the Indian Ocean nation after the former president said he was ousted in a coup.


APNewsBreak: Satellite spots tanks in Syrian city (AP) 2/11/2012 12:44 AM

This satellite image provided by Digital Globe shows three Syrian military tanks near the Al Baath University housing complex and the Baba Amr neighborhood in the southwest section of Homs, Syria, Friday, Feb. 10, 2012. (AP Photo/Digital Globe)AP - Satellite image provider DigitalGlobe Inc. released photos Friday that appear to show Syrian army tanks and other armored vehicles in the city of Homs.


Navy names ship for former congresswoman Giffords (AP) 2/10/2012 11:28 PM

FILE - This Jan. 23, 2012 file photo shows U.S. Rep Gabrielle Giffords, D-Ariz., touring the Gabrielle Giffords Family Assistance Center, one of her favorite charities, with her staffer Ron Barber in Tucson, Ariz. Barber, a top aide to former Congresswoman Giffords, is expected announce his candidacy to run in a special election to serve as an interim replacement for the Arizona Democrat who was wounded in a shooting rampage a year ago.   (AP Photo/Matt York, Pool, File)AP - Gabrielle Giffords, the recently retired congresswoman from Arizona who was shot in an assassination attempt 13 months ago, returned to Washington Friday for double honors. The Navy named a ship after her and she saw President Barack Obama sign the last piece of legislation she authored into law.


First public photos of Blue Ivy Carter go online (AP) 2/10/2012 9:51 PM

In this undated image released by Beyonce.com, Blue Ivy, the daughter of rapper Jay-Z and his singer wife Beyonce Knowles, is shown in a recent family photo. Photos of the 1-month-old were posted by her parents on Tumblr blog page http://helloblueivycarter.tumblr.com. A hand-written note accompanying the photos reads, 'We welcome you to share our joy.'  (AP Photo/Ed Burke for Beyonce.com) MANDATORY CREDITAP - She's been a sensation since she's been born, and now Blue Ivy has made her public debut.


Lin scores 38 to lead Knicks over Lakers 92-85 (AP) 2/11/2012 12:08 AM

New York Knicks' Jeremy Lin (17) drives past Los Angeles Lakers' Matt Barnes (9) during the first half of an NBA basketball game, Friday, Feb. 10, 2012, in New York. (AP Photo/Frank Franklin II)AP - Jeremy Lin outplayed Kobe Bryant, ended the mighty Lakers' dominance of the Knicks and then tried to pretend it was just another game.



How Much House Can You Afford?


 
Gift Realty NM calculators, courtesy of Eloise Gift, will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

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