financial planning Archives

Home Buying

Mortgages 101

Navigating the mortgage process can be difficult for even the most knowledgeable of people. Real estate and mortgage language can be confusing and full of jargon, but we want to help demystify the process and dive deep into the world of mortgages. What is a mortgage? Most homes in today’s market cost tens to hundreds of thousands of dollars, and few people can afford to buy them outright. That’s where a mortgage comes in. At the most basic level, a mortgage is a loan that allows you to buy a house. It’s different than other types of loans in that

September 25, 2019

Healthcare-education-in-Las-Cruces-is-thriving

Community & Lifestyle

The Thriving Las Cruces Medical Community

Las Cruces was recently ranked among the healthiest cities in America based on rates of smoking, alcohol abuse, and obesity, as well as access to healthcare, mental health, and fitness centers. The vibrant Las Cruces medical community is a shining example of how cities benefit in a dynamic way from hosting top-notch medical schools, nursing programs, and healthcare facilities. Here’s a look at the exciting healthcare programs and facilities that are making Las Cruces such a healthy community to live in. The New Mexico State University School of Nursing Aspiring nurses come to NMSU from all over the country (and

August 21, 2019

Community & Lifestyle

Don’t Miss These Sweet Las Cruces Bakeries

If you haven’t heard by now, Las Cruces is every foodie’s dream come true! Among our culinary highlights are these unforgettable Las Cruces bakeries, specializing in a wide range of cravable desserts, pastries, and breads. You can even find a satisfying selection of vegan and gluten-free treats here. These bakeries are listed in no particular order (because who could pick a favorite?!), and we trust you’ll enjoy each bite as you work your way through the list! Indulgence Bakery & Cafe This charming mother- and daughter-owned cafe has been a community staple for many years, though the location and some

August 8, 2019

kids-on-back-to-school-day-in-Las-Cruces

Community & Lifestyle

Back to School in Las Cruces — Made Easy!

The mouthwatering smell of roasting green chile is in the air, which means it’s almost time to go back to school in Las Cruces! It sneaks up every year, and many parents end up feeling like they’re scrambling to get the kids ready for the new school year with only seconds to spare. Steinborn & Associates wants to make the transition out of summer fun a little bit easier for you, so we compiled a helpful resource with the who, what, and how to get you ahead of the curve! When does school start in Las Cruces? The Las Cruces

July 30, 2019

Community & Lifestyle

Seven Great Breweries in Las Cruces

The city of the crosses is home to friendly people and fantastic local products — and you can find both at our Las Cruces Breweries! Fun fact about our breweries: Though they’re owned by different people, many of the breweries join forces throughout the year to host runs, bike rides, and other special events to bring the community together. Las Cruces breweries are also among the first in line to sponsor local charities and fundraisers that support residents in need. Community is vitally important, but what about the beer? Great news: You’re sure to find a new favorite among Las

July 16, 2019

Home Buying

What Do Energy Star Ratings Mean?

You may have heard references to Energy Star Certified homes, but what do Energy Star Ratings mean? There are a few things you need to understand to make sense of the rating system and the certification itself. Here’s a helpful breakdown of how you can use the Energy Star ratings to evaluate new homes or to help you upgrade your current home’s efficiency. The basics: What is the Energy Star Program? Back in 1992, the EPA initiated a new campaign called Energy Star — a labeling program that manufacturers of appliances (and homes, since 1995) can use to evaluate how

June 25, 2019

OUR BLOG