Welcome to Bachmann& Luthi Real Estate Services LLC.
Bachmann & Luthi Real Estate Services Started in 2006, when mother and son Sandy Luthi & Anthony Bachmann teamed up to create a family oriented Real Estate Business, dedicated to helping families find their perfect home. Now a decade later the business continues to grow while still maintaining those family morals it all started with.
Welcome to our website
Thank you for visiting our website! Since 2006, we have proudly served the greater El Paso area, catering to all your real estate needs with dedication and expertise. Whether you're looking to buy, sell, or require rental management services for your properties, we're here to assist you every step of the way.
Our website aims to be a comprehensive resource, addressing any questions you may have regarding the real estate representation you require. Should you need further clarification or are eager to embark on your real estate journey, please don't hesitate to reach out. You can contact me via call or text at (915) 929-3563.
Best regards,
Chris Luthi
Realtor/Firefighter
Listing your home for sale.
Selling your home is not just a financial decision but often an emotional one as well. At Bachmann Luthi, we recognize the significance of this decision and pledge to represent you with the utmost honesty, professionalism, and loyalty.
We begin by conducting a customized comparative market analysis (CMA) to assess current market conditions. Based on your considerations and priorities, we then develop a tailored marketing strategy and price your home accordingly. Our marketing approach is comprehensive and innovative, leveraging internet platforms, social media channels, and neighborhood distributions to aggressively promote your property. From crafting custom flyers for your neighbors to arranging professional photography sessions, we ensure that every aspect of marketing is executed with maximum effort and effectiveness.
At Bachmann Luthi, our commitment to our clients extends beyond mere representation. We strive to maximize the equity from your home, resulting in the highest possible net sales price. This is achieved through effective marketing strategies and skillful negotiation techniques.
We understand that the home selling process can be daunting and filled with uncertainties. That's why we offer to address any questions you may have and provide a free, no-obligation evaluation of your home's market value. Don't hesitate to call or text us today to obtain an accurate list price for your home and gain clarity on the selling process.
Purchasing a home!
The decision to purchase a home marks a significant milestone in anyone's life. Beyond the financial commitment, it symbolizes the realization of future aspirations and the foundation for achieving your goals. At Bachmann Luthi, we understand the importance of this decision and are dedicated to leaving no stone unturned in finding your perfect home in a desirable neighborhood.
Navigating the home buying process can often be complex and overwhelming. From initial negotiations to mortgage applications, home inspections, and closing, we will guide you every step of the way, ensuring a smooth and stress-free experience.
Upon request, Bachmann Luthi will provide you with a current list of homes that match your search criteria directly to your email. We'll also keep you updated in real-time on new listings and any status changes for properties that meet your preferences.
Furthermore, we excel in home financing and can assist you in finding the best financing options available. With established relationships with some of the city's most reputable lenders, we offer a complete menu of VA, FHA, and Conventional mortgages, as well as various income and property-based bond programs.
It's important to note that our services come at no cost to home buyers. Our priority is to ensure your satisfaction and help you find the home of your dreams without any additional financial burden.
Financing your dreams!
Understanding home mortgages is often the most perplexing and daunting aspect of the home buying journey. For the vast majority of Americans, securing a mortgage is essential to finance their homes. Essentially, a mortgage is an agreement between buyers and lenders wherein lenders provide home loans to buyers, securing the loan with the property as collateral against default.
Mortgages come in various forms, but they are typically granted by private lenders such as banks, credit unions, and mortgage companies. They vary in duration, with commitments typically ranging from 15 to 30 years (with the latter being the most popular). FHA and VA mortgage loans are insured or guaranteed against default by the federal government, while conventional loans lack federal guarantees.
The mortgage application process begins when buyers apply for a mortgage loan to demonstrate their creditworthiness. They are usually required to furnish documentation such as tax records, bank statements, and pay stubs to verify their ability to make mortgage payments while still maintaining sufficient financial resources for other life obligations. Lenders assess applicants' capability and stability by scrutinizing factors such as credit scores, work history, credit ratios, and other criteria.
Although this may seem like a lot of information to digest, rest assured that we collaborate with an exceptional team of lenders who specialize in working with first-time home buyers. They offer a comprehensive range of FHA, VA, and Conventional loans, along with "no down payment" programs featuring competitive interest rates. Moreover, they boast years of experience in assisting buyers with challenging credit issues and have a proven track record of helping buyers achieve their dreams of home ownership.
Brief Overview of Loan Types
Here is a short summary of the types of loans, as well their strong points and drawbacks by Holden Lewis of Bankrate.com:
Conventional Loans Who they're for: Conventional mortgages are ideal for borrowers with good or excellent credit.
How they work: Conventional mortgages are "plain vanilla" home loans. They follow fairly conservative guidelines for: Borrower credit scores. Minimum down payments. Debt-to-income ratios.
Cost: Lender fees, third-party fees, down payments, mortgage insurance and points can mean the borrower has to show up at closing with a sizable sum of money out of pocket.
What's good: Conventional mortgages generally pose fewer hurdles than Federal Housing Administration or Veterans Affairs mortgages, which may take longer to process.
What's not as good: You'll need excellent credit to qualify for the best interest rates.
FHA Loans Who they're for: Federal Housing Administration mortgages have flexible lending standards to benefit: People whose house payments will be a big chunk of take-home pay. Borrowers with low credit scores. Homebuyers with small down payments and refinancers with little equity.
How they work: The Federal Housing Administration does not lend money. It insures mortgages. The FHA allows borrowers to spend up to 56 percent or 57 percent of their income on monthly debt obligations, such as mortgage, credit cards, student loans and car loans. In contrast, conventional mortgage guidelines tend to cap debt-to-income ratios at around 43 percent. For many FHA borrowers, the minimum down payment is 3.5 percent. Borrowers can qualify for FHA loans with credit scores of 580 and even lower.
Cost: Each FHA loan has 2 mortgage insurance premiums: An upfront premium of 1.75 percent of the loan amount, paid at closing. An annual premium that varies. Most FHA homebuyers get 30-year mortgages with down payments of less than 5 percent. Their premium is 0.6 percent of the loan amount per year, or $50 a month for a $100,000 loan.
What's good: FHA loans are often the only option for borrowers with high debt-to-income ratios and low credit scores.
What's not as good: To get rid of FHA premiums, you must refinance the loan.
VA Loans Who they're for: Most active-duty military and veterans qualify for Veterans Affairs mortgages. Many reservists and National Guard members are eligible. Spouses of military members who died while on active duty or as a result of a service-connected disability may also apply.
How they work: No down payment is required from qualified borrowers buying primary residences. The VA does not lend money but guarantees loans made by private lenders.
Cost: The VA charges an upfront VA funding fee, which can be rolled into the loan or paid by the seller. The funding fee varies from 1.25% to 3.3% of the loan amount. The VA allows sellers to pay closing costs but doesn't require them to. So the buyer might need money for closing costs. Borrowers may also need money for the earnest-money deposit.
What's good: VA borrowers can qualify for 100% financing. Veterans do not have to be first-time buyers and may reuse their benefit.
What's not as good: According to the VA, there isn't a cap on the amount you can borrow. "However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a down payment. These loan limits vary by county, since the value of a house depends in part on its location."
Source: http://www.bankrate.com/finance/mortgages/conventional-fha-va-mortgage.aspx
Meeting Your Real Estate Needs: Buying, Selling, and Loan Options
Introduce your team
Below, you'll find our esteemed team members, all of whom are licensed and seasoned Realtors, poised and ready to serve you with dedication and expertise.
Christian Luthi
Broker
I have been a licensed agent in Texas since 2004, and a broker since 2006. Prior to working in real estate, I served as an enlisted soldier and a commissioned officer as a cavalry scout and an infantry officer in active duty service from 1991 to 1998, and resigned my commission as a Captain from the IRR in 2007.
I now work with my family as the managing broker of Bachmann Luthi Real Estate in a family owned business that emphasizes the values learned growing up on a farm in Wisconsin, and reinforced by my military training and experience. Our pledge is to provide the most outstanding and conscientious representation to our clients, and to treat all parties with respect and fairness. We look forward to working with you to accomplish your real estate related goals.
Christian Luthi
(915) 929-3356
Sandy Luthi
Founder/ Realtor
Hello! I am El Paso proud y SE HABLA ESPANOL With the exception of my husband's PCS duty locations while serving with the Army, I have called El Paso home for my entire life. Becoming a licensed Texas real estate agent in 1998 marked the beginning of a career filled with dedication and success. Over the years, I've proudly held a place among El Paso's most distinguished agents, consistently ranking among the city's highest producers.
My passion lies in helping people realize the dream of homeownership. Whether it's a million-dollar mansion or a modest entry-level house, every home represents a dream for its buyer. This dream might be to provide a nurturing environment for a growing family or to secure an investment property for retirement planning. I find great honor in being able to facilitate the realization of your goals.
One of my greatest strengths lies in my deep and up-to-date understanding of mortgages, particularly finance programs with the lowest upfront costs. I would be privileged to assist you in achieving your dream. Please don't hesitate to reach out to me via call or text.
Sandy Luthi
(915) 474-3760
Remembering
Anthony Bachmann
Founder
Chris Luthi Jr.
Realtor
I'm Chris Luthi, a seasoned professional in both real estate and firefighting. Since I entered the real estate industry in 2015, I've been an integral part of Bachmann & Luthi Realestate Services LLC, embodying our commitment to personalized service and community involvement.
My deep understanding of the real estate market has empowered my clients to make informed decisions, demonstrating my dedication to delivering excellence in every transaction.
In addition to my real estate work, I serve as a full-time firefighter, bringing professionalism, discipline, and compassion to the community. My reputation for exceptional communication and negotiation skills helps me navigate real estate transactions with finesse while also contributing to public safety and emergency response efforts.
Balancing these two demanding professions underscores my commitment to integrity, professionalism, and a genuine desire to positively impact the lives of those I serve.
You may reach me by call or text at
(915) 929-3563
Anita Williamson
I have sold homes for the past 26 years in Northeast El Paso, this has been my home for the past 50 years. I grew up in a large family of military and law-enforcement background. I have ran subdivisions for the three largest builders in El Paso, primarily selling new homes, I consider myself to be a new home expert and take pride in my knowledge of the process. from start to finish, I will hold your hand and allow you to be involved from beginning to end willing to work with any and all hours to find your perfect home. You could reach me via cell phone at (915) 630-8072
Luis Noreiaga
I have been a Realtor for over 20 years 18 have been with Bachmann &Luthi, in all those years I haven't had a disappointed home buyer reason is that I don't find you a home together we find one.
915-873-6540
Reviews
Feel free to take a moment to browse through the reviews left by our past clients, sharing their experiences with us. Below, we've highlighted a selection of the feedback we've received.
Alondra Garcia
I don’t have enough words to thank or describe all of the work Chris Luthi did. He went above and beyond, more than any agent I’ve ever met. He went through so many hoops and never complained. He’s a great agent and an even better person! I will always recommend him to anyone and everyone I can.
Thank you Chris!
Charlie Garcia
Buying your first house is a very stressful, exciting, & scary feeling but thanks to Bachmann & Luthi Real Estate it was a very beautiful moment for me and my wife. We got everything we wanted and they made the impossible, possible. Definitely recommend to anyone looking for a home. I will always be thankful for all their hard work and dedication that was put into the process.