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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
Shock over arrest in NYC boy's '79 disappearance5/26/2012 1:48 PM

Supporters of the Patz family leave flowers on their doorstep in SoHo, Friday, May 25, 2012, in New York. New life has been breathed into the missing child case of Etan Patz after Pedro Hernandez implicated himself in the boy's death of the 6-year-old, whose disappearance 33 years ago on his way to school helped launch a missing children's movement that put kids' faces on milk cartons. (AP Photo/John Minchillo)When police dug up a Manhattan basement last month in a fruitless search for the remains of Etan Patz, a 6-year-old boy who disappeared in 1979, Lucy Suarez saw the news on TV and wished that the family of the missing child would finally get some peace.


SpaceX capsule has 'new car' smell, astronauts say5/26/2012 1:42 PM

NASA astronaut Don Pettit (L) and Russian cosmonaut Oleg Kononenko, International Space Station CommanderSpaceX's Dragon cargo vessel smells like a new car, said astronauts at the International Space Station after opening the hatches Saturday following the spacecraft's landmark mission to the orbiting lab.


Spain's support cast star, Germany flop5/26/2012 1:39 PM

Spain's Alvaro Negredo (L) fights for the ball with Serbia's Ivan RadovanovicDefending European champions Spain showed off their impressive strength in depth when a second-string side defeated Serbia 2-0, but fellow Euro 2012 favourites Germany slumped to a shock 5-3 defeat to Switzerland.


Error-hit Germany slump to defeat against Swiss5/26/2012 1:38 PM

Switzerland's Granit Xhaka (C) clashes with Germany's Per Mertesacker (L), Lars Bender (2nd L) and Mats HummelsGermany slumped to an error-plagued 5-3 friendly defeat to Switzerland on Saturday, a worrying setback just two weeks out from Euro 2012 where they will be amongst the favourites.


Patrick not looking back at what she left behind5/26/2012 1:32 PM

Danica Patrick signs autographs before qualifying for the NASCAR History 300 Nationwide series auto race in Concord, N.C., Saturday, May 26, 2012. (AP Photo/Mike McCarn)With Danica Patrick in North Carolina racing stock cars, the Indianapolis 500 will go off on Sunday without an American woman in the field for the first time since 1999.


UN observers warn of Syria civil war after massacre5/26/2012 1:29 PM

The UN mission chief in Syria Major General Robert Mood addresses journalists in DamascusThe head of a UN mission warned on Saturday of "civil war" in Syria after his observers counted more than 92 bodies, 32 of them children, in the central town of Houla following reports of a massacre there.


Greek pro-bailout conservatives regain lead: polls5/26/2012 1:27 PM

Conservative New Democracy party leader Samaras greets supporters during a pre-election rally in AthensATHENS (Reuters) - Greece's conservatives have regained an opinion poll lead that would allow the formation of a pro-bailout government committed to keeping the country in the euro zone, a batch of new surveys showed on Saturday. Greece was forced to call repeat elections for June 17 after a May 6 vote left parliament divided evenly between groups of parties that support and oppose the austerity conditions attached to a 130 billion euro bailout agreed with the European Union and International Monetary Fund in March. ...


Ex-Mubarak PM praises 'glorious' Egyptian uprising5/26/2012 1:26 PM

COMBO - This combination of two photos shows Egyptian presidential candidates, from left, Ahmed Shafiq, and Mohammed Morsi. Shafiq and Morsi were the top vote-getters after a two-day election on Wednesday and Thursday which none of the 13 candidates could win outright. Now, both must appeal to the roughly 50 percent of voters who cast ballots for someone else. (AP Photo/Khalil Hamra; Nasser Nasser)The two surviving candidates in Egypt's presidential election appealed Saturday for support from voters who rejected them as polarizing extremists in the first round even as they faced a new challenge from the third runner-up who contested the preliminary results.


Islamist and ex-PM vie for mantle of Egypt's revolt5/26/2012 1:26 PM

Deputy head of the Muslim Brotherhood El-Erian talks during a news conference in CairoCAIRO (Reuters) - The Muslim Brotherhood and a military man close to ousted leader Hosni Mubarak courted defeated first-round candidates in Egypt's presidential election on Saturday, each trying to claim the mantle of the uprising before a run-off next month. State television said the Brotherhood's Mohamed Mursi led this week's vote with 26.4 percent, against 23 percent for ex-air force chief Ahmed Shafiq, according to preliminary results. Hamdeen Sabahy, a secular leftist came a close third with 21.5 percent, followed by independent Islamist Abdel Moneim Abol Fotouh. ...


In Cairo's City of the Dead, election brings hope5/26/2012 1:25 PM

In this photo taken in Monday, May 21, 2012, a boy plays next to tombs in a room where his family lives in a necropolis called the City of the Dead, in Cairo, Egypt. The City of the Dead is a 4 mile (6.4 kilometer) long necropolis where thousands of Egyptians are forced to live and work alongside graves due to the scarcity of housing in the capital. (AP Photo/Khalil Hamra)As Egyptians took part in the country's first free presidential election, residents of one of Cairo's poorest quarters expressed hope that a new leader would help them with a simple request — finding a new home.



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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