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A VERY satisfied repeat customer
"Garry is honest, loyal and committed. He is so knowledgeable about his field that we would never even consider using someone else as our agent."
Wendy Oleston
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Read What People Are Saying About Me 

I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me... 

A VERY satisfied repeat customer
"Garry is honest, loyal and committed. He is so knowledgeable about his field that we would never even consider using someone else as our agent."

Wendy Oleston
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Repeat Investor Client

Laurie Grapentine
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Real Estate Tips
Financing Your Home >Home Free

Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.

The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.

Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.

It isn't as simple as conventional wisdom--consult a financial expert.

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Real Estate Trivia
Q 
What has been described as the world's most beautiful building?

A 
The white marble Taj Mahal in India was built by the Mogul emperor Shah Jahan (1631-53) to enshrine his favorite wife.
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Garry Bales, REALTOR®, real estate agent and broker for Albuquerque, Rio Rancho and Santa Fe, New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Garry Bales
Buyers & Sellers Realty Inc

an Assist 2 Sell Franchise
5712 Osuna NE Suite 5
Albuquerque, NM 87109
505-702-3800
Fax: 505-830-2667
garrybales@NUMBER1EXPERT.com

When listing a home I advertise the property not myself. Working as a Buyer's Agent I tell my clients "I sell nothing...I find what you want to buy!"


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