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<div id="title"> <span><a href="/" id="sitetitle" target="_top">#1 ALBUQUERQUE & RIO RANCHO REAL ESTATE EXPERT</a></span>
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<title>Albuquerque NM Homes for Sale and Real Estate by GERALDINE GONZALES, REAL ESTATE BROKER</title>
<meta name="description" content="Albuquerque, NM real estate and homes for sale in Los Lunas, Rio Rancho. Search for listings. Get free real estate reports, a market analysis of your home, area and mortgage info." />
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<h1 id="page">Mortgage 101</h1>
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<ul id="navlist"> <li id="nav1"><a href="/Albuquerque_NM,_Rio_Rancho_NM,_New_Mexico_homes_for_sale.shtml"><span>Find A Home</span></a></li>
<li id="nav2"><a href="/Albuquerque_NM,_Rio_Rancho_NM,_New_Mexico_listings/featured.shtml"><span>Featured Homes</span></a></li>
<li id="nav3"><a href="/property_request.shtml"><span>Become a VIP Buyer!</span></a></li>
<li id="nav4"><a href="/Albuquerque_NM,_Rio_Rancho_NM,_New_Mexico_home_sales.shtml"><span>Your Home's Value</span></a></li>
<li id="nav5"><a href="/custom2.shtml"><span>Mortgage 101</span></a></li>
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<li class="nav_item"><a href="/prequalify.shtml"><span>Prequalify</span></a></li>
<li class="nav_item"><a href="/custom3.shtml"><span>RELOCATING TO NM</span></a></li>
<li class="nav_item"><a href="/custom2.shtml"><span>Mortgage 101</span></a></li>
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