10/30/2026
Waiting until spring to buy in Albuquerque or Rio Rancho?
Explore the offer terms that could fit your budget: price, repairs, seller concessions, and lender-reviewed discount points or temporary buydown options.
Seasonal patterns are not a guarantee of less competition or better terms in your neighborhood. Seller agreement, program limits, eligibility, and the individual property matter. A temporary buydown does not permanently reduce the loan’s note rate; plan for the full payment after the subsidy ends. Ask your lender to compare written costs and payments.
Buying, selling, or relocating? Contact Benjamin Gomez, REALTOR®, with Weichert, Realtors® – Image.
Your Doorway to New Mexico
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Sources checked Oct 30, 2026:
NAR seasonality:
https://www.nar.realtor/news/economists-outlook/pending-home-sales-and-seasonality
CFPB discount points:
https://www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points-en-136/
Fannie Mae temporary buydowns:
https://selling-guide.fanniemae.com/sel/b2-1.4-04/temporary-interest-rate-buydowns
Fannie Mae seller contribution limits:
https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs
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