Native American Comedy Duo

James and Ernie credit themselves as the first Native American comedy duo to come out of the Navajo Nation. They are "serious about being funny" and work hard to make people laugh until it hurts!

Their material ranges from their "childhood days of playing in the dirt at grandma's house, to our teen years trying to be someone we're not, and on into our hickey filled adulthood experiences that include topics related to relationships, shopping at Wal-Mart, our drinking days, and many other Rez life topics." They are known to use music, dance and props to add to their humor.

Despite all the jokes, they promote living a healthy lifestyle by saying "No" to alcohol, drugs and domestic violence. They achieve this very important message by sharing their own past as former substance abusers with a skit called "Addicted."

James and Ernie have been called "Emotionally powerful." They will be performing a live show for free on December 6-7 at the University of New Mexico's sub ballroom. If you would like a few laughs, definitely check them out while you can.

Here is a link to their website if you'd like to learn more about them:  http://www.jamesandernie.com/

Documenting the Native American Past at UNM

There is a big project underway at UNM focusing on recording the history of Native American students and teachers who have attended the University.

Mary Alice Tsosie is heading up the project and aims to give American Indians their own perspective in history. Tsosie is the program manager of UNM University Libraries and is working to interview past and present American Indian professors, faculty members and alumni. She began in January when it became apparent that there was information missing regarding the Native Americans who have attended the University.

"I think everbody wants their history recorded and written down. Everybody has a perspective, UNM has a perspective, the Native Americans have a perspective," Tsosie said. "I think everybody wants their viewpoint to be acknowledged, to know that we exist, to know that we went through UNM. If we don't have that recording, who's going to do it?"

She has interviewed 14 participants so far and has her sights on many more. She is most interested in students from the 1950s who studied during the protests, and also past directors of UNM's Native American Studies department.

This would be the first compiled history account that UNM has participated in. Tsosie strives to share the stories of those she is interviewing because they helped pave a path for the current generation of Native Americans at the University. She is inspired by their dedication to make a difference for today's students so that they can succeed, achieve and graduate.

Tsosie has enlisted the help of assistant professor Lloyd Lee. He is in charge of historical research to help Tsosie have context for future interviews. He says that he is composing the interviews in a way that would allow future historians to contribute and build upon their foundation. He is a strong believer in archiving history properly.

"Personally," he says, "I think it's about making sure the legacy of Native students and Native people who have come to the University that they're documented, written down to their experience here, and I'm just helping that process."

If you have information that may help their research, contact Antonio Sanchez at news@dailylobo.com. Or contact the university directly and ask for the University Libraries department.

FAQs: How Do I Qualify?

Many people have been asking what kind of documentation is needed to prove that they are Native American, and thus, can apply for the HUD Section 184 Program, which is a home loan specifically for Native Americans. To prove your heritage, you will need to provide a copy of your CDIB card. This will allow us to verify your Tribal Enrollment.

Bring your CDIB card in today and we would be happy to get your loan application started! It sounds like a lot of work, but we promise to make it as easy and straight-forward for you as we can!  Call Todd today for more information about this great, money-saving loan! 505-918-1028 in New Mexico or 303-378-1272 in Colorado.

Would You Like An Upgrade?

A normal loan can help you get the home on the left for $200,000. But a loan through the "Dream Maker" HUD Section 184 Program could get you into the house on the right for the same money per month as the house on the left. 

How is this possible? Call Todd at 505-918-1028 or 303-378-1272 to find out how you can qualify today!

Visit my website at NativeAmericanLoansNow.com for more information!

Photos courtesy of Zillow.com

The Dream Maker Program

Home buyers! How is your house shopping going? Do you find yourself wishing that you had an extra $45,000 to spend? We can help you with that! 

Native Americans in New Mexico and Colorado are qualifying everyday for the HUD Section 184 Program. I like to call it the Dream Maker Program because it does just that! 

If you were looking at a home listed at $200,000, you could potentially swap that for a $245,000 home with no added cost to you! As long as you qualify for the Dream Maker program, you won't have to pay Monthly Mortgage Insurance, and you would get an initial lower down payment! With the great interest rates that we have available,  you can afford the house of your dreams!! Ask me how! 

If you are looking to purchase in New Mexico, call this number: 505-918-1028. 
For Colorado, call 303-378-1272.

Low rates benefits refinancers

Today's mortgage rates are at record setting lows.  Homeowners are refinancing their existing loans for a new 15 or 20 year loan that will help make retirement more enjoyable. Freddie Mac shows the average for a 15 year fixed-loan at 2.97% down from 3.04% last week. With the housing market still in crisis, these rates are greatly benefiting refinancers who have significant equity in their houses. So if you are considering taking advantage of these rates, please contact me and I will be happy to help you start saving money today.   Todd @505-918-1028.

Sun West Mortgage

My website

I want to invite you to visit my website: http://www.nativeamericanloansnow.com/

It is going through some changes and upgrades right now, but please take a look!

Remember, I am always available for all of your home loan needs: 505-918-1028.

The Loan Application Process - Detailed for You!

The Loan Application Process

Our loan application form asks for information on the property you are buying, as well as the employment and financial history of all loan applicants. We will verify the information shown on the loan application before deciding whether or not to make the loan, so it is very important to make sure that it is complete and accurate. It is easier to complete the loan application process if you prepare for it ahead of time. We will ask about your personal finances, including bank account numbers and balances, current loan amounts and payments, and credit card account numbers. You need to be thorough and precise in providing this information, so it is best to assemble information before you meet with us. Following is a summary of the major kinds of information required on the loan application, the documents that may be needed, and the questions that you should be prepared to answer.

Details Of The Purchase Contract And The Property

Because the property is security for the loan, we will have an appraisal made of the property; and you will need to have the following information available:

1. A complete copy of the sales contract, including any addendums, signed by all parties, showing the full names of the sellers and buyers as they will appear on the new deed, the amount of earnest money deposit and who is responsible for closing costs, origination fees, etc,;
2. If the house is to be built, or is still under construction, a set of plans and specifications;
3. The complete mailing address of the property, its age, and its full legal description; and
4. Name, address, and telephone number of the real estate agent and/or the seller of the property who will assist the appraiser in obtaining access to the property.

Personal Information

Info about Section 184

How powerful is the Section 184 Native American Program? This loan has no mortgage insurance and a low down payment! More facts:

• Buying a house for $130K FHA and $160K Section 184 = approximately the same payment.
• Native American Loan Program eliminates monthly mortgage insurance and only requires 2.25% down payment in New Mexico and Colorado
• You can get an MFA loan combined with a Section 184 Native American loan and a 2/1 buydown.
• Imagine at mortgage closing with only a 550 credit score! What’s the interest rate 9%? Nope It was only 4.75%.

Call Todd for even more information about this incredible loan program that can help you save money on the purchase of your home! 505-918-1028

Welcome!!

 My name is Todd McManigal and I am a loan originator with Sun West Mortgage Co. 

We specialize in Native American Home Loans  through the Section 184 Native American Program.

Our primary goal is to help Native American’s get approved and save money!

Be sure to follow my pages for more information:

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If you are currently looking for a new home, give me a call at 505-918-1028.