Offeringcommunity affordability

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					Classifieds E-7 Open houses E-9 Jobs classifieds E-12                                                                                                                                                                                                                                                                                                                       dayy, monthh xx, 2010 THE NEW MEXICAN 1
                                                                                                                                                                                                                                                                                                                                                                        SUNDAY, OCTOBER 16, 2011 THE NEW MEXICAN

  REAL ESTATE                                                                                                                                                                                                                                                                                                                                                                                               E
                                                                                                                                                                                                                                                                                                                                   is one of the state’s
                                                                                                                                                                                                                                                                                                             Federal Credit Union
                                                                                                                                                                                                                                                                                    New Mexico Educators                        1 billion, 18 work
                                                                                                                                                                                                                                                                                                           with assets of over                     looking

                                                                                                                                                                                                                                                                                                                                                                 Searching? Browse
                                                                                                                                                                                                                                                                                    largest Credit Unions, over 125,000 members. If you are
                                                                                                                                                                                                                                                                                     locations statewide                          encourages personal
                                                                                                                                                                                                                                                                                                               environment that                    back to
                                                                                                                                                                                                                                                                                      for a fast paced working                the chance to give
                                                                                                                                                                                                                                                                                                           opportunities and                         of WE .
                                                                                                                                                                                                                                                                                      development, career                   be a part of The Power
                                                                                                                                                                                                                                                                             the community,            we want you! Come
                                                                                                                                                                                                                                                                                                                        ’s Branch.
                                                                                                                                                                                                                                                                                                   our St. Michael
                                                                                                                                                                                                                                                                                   Manager to join
                                                                                                                                                                                                                                                                 a Member Service
                                                                                                                                                                                                                                            seeking                                                  in a branch facility

                                                                                                                                                                                                                                                                                                              the activities
                                                                                                                                                                                                                           Currently we are                                          direct and coordinate

                                                                                                                                                                                                                                                                                                                                                                 our jobs classifieds.
                                                                                                                                                                                                                                                                  This position will

                                                                                                                               KIDS BACK IN SOMETHING TO
                                                                                                                                                                                                                                               Manager Role:                                 Vision and Mission.
                                                                                                                                                                                                                           Member Service Union’s Seven Cooperative Principles,                                              plans, ensuring
                                                                                                                                                                                                                                                                                                                                              the branch
                                                                                                                                                                                                                           supporting the Credit                      Responsibilities:               , service and growth
                                                                                                                                                                                                                                                Manager Primary           nal, financial, operational

                                                                                                                               LOOKING FOR RK WITH US!
                                                                                                                                                                                                                           Member Service                with organizatio
                                                                                                                                                                                                                              Assists Office Manager                                                                                   relations
                                                                                                                                                                                                                              growth plan is met activities to ensure compliance                                  skills and member
                                                                                                                                                                                                                                                                                             to build employee platforms to support member needs

                                                                                                                               DO? COME WO
                                                                                                                                                                                                                              Evaluates all branch                       on a regular basis                                                          aligned
                                                                                                                                                                                                                                                  member interaction                     operation and financialhuddles, kickoffs, and meetings
                                                                                                                                                                                                                               Coach employee                        knowledge of the
                                                                                                                                                                                                                                                  skills and strong d sales and service culture, including

                                                                                                                                                                                                                                                                                                                                                                 Page E-12
                                                                                                                                                                                                                               Cross functional           a needs-base                                                                             in a
                                                                                                                                                                                                                                                   with                                                                    supervisory experience
                                                                                                                                                                                                                               Support manager goals                                                    ns: Two years of                    year degree or
                                                                                                                                                                                                        encompass all                            nal                            minimum qualificatio origination and processing. Two
                                                                                                                               Director of
                                                                                                                                              Education                              ent, oversee, and                          with organizatio       will have the following
                                                                                                                                                                r who can implem must be able to understand and
                                                                                                                                                                                                                                                                                              to include
                                                                                                                                                                                                                                The  ideal candidate                     consumer lending                                                            t,
                                                                                                                                                for an Educato                                                                                         Experience with                                                     a great work environmen
                                                                                                                                                                                                                                financial institution.of study at a business school.
                                                                                                                               We are looking                     today. This person touch’ that is important to staff,                                                                                  nt potential and
                                                                                                                                                n in Healthcare          the ‘common
                                                                                                                                                                                                                                specialized course           for a rewarding
                                                                                                                                                                                                                                                                               career with advancemethe Power of WE®
                                                                                                                                                                                                                                                                                                 Part of
                                                                                                                               that is educatio      s are needed, has
                                                                                                                                                                                                                ing/pro-                 If you are looking                            become
                                                                                                                                                                                          An interest in promot                                                      please apply to
                                                                                                                               grasp what program out alongside staff in our units.                                                                   rs Federal Credit
                                                                                                                                                                                                                                                                        Union Offers:
                                                                                                                                                                                           y as well.                                                                          Paid Time Off (PTO) t Pension Program
                                                                                                                                and enjoys working areas of our facility is necessar                                            New Mexico Educato and Vision Insurance
                                                                                                                                                 n to all                             position at                                      e Health, Dental                        401 (k) and Retiremen
                                                                                                                                viding educatio                   r applying for this                 505-661-9551.             Competitiv
                                                                                                                                                                                                                                                                                                    Wellness events
                                                                                                                                                                                                                                                                                                                        and more!
                                                                                                                                                          conside                      Resources at                             Paid Holiday’s Off                                                                                                   998-2685.
                                                                                                                                If you are this person, .com, or contact Human                                                                     ment                                                          , fax to (505)
                                                                                                                                                  alcenter                                                                      Tuition Reimburse                                                  page at www.nme
                                                                                                                                                                                                                                                      online applicatio
                                                                                                                                                                                                                                                                           n, visit our careers
                                                                                                                                                                   losalamosmedi                                                  To complete an
                                                                                                                                                To apply go to
                                                                                                                                                              Equal Opport
                                                                                                                                                                               unity Employer
                                                                                                                                                                                                                                                      lly owned ban                                                                                     k!
                                                                                                                                                                                                                                     Wo rk for a loca   Bank of Santa Fe,
                                                                                                                                                                                                                                                                          one of the oldest
                                                                                                                                                                                                                                                                                                                  in the Southwes
                                                                                                                                                                                                                                                                                            locally owned banks ent and a generous
                                                                                                                                                                                                                                                                                                  ities for advancem
                                                                                                                                                                                                                                                                                                                                   t, is an

                                                                                                                                                                                                                                                                                                                                 office at
                                                                                                                                                                                                                                     The First National                       excellent opportun              Human Resources at
                                                                                                                                                                                                                                                             ty bank offering                please visit our
                                                                                                                                                                                                                                      independent communi for the following position,                             or apply on line
                                                                                                                                                                                                                                                         o apply                             to (505) 992-2038
                                                                                                                                                                                                                                      benefits package.T Santa Fe; resumes may be faxed
                                                                                                                                                                                                                                           2020 Rosina St.,                http://www.fnb-sf.c
                                                                                                                                                                                                                                                                                                                            This position

FTC targets deceptive mortgage advertisements
        he Federal Trade Commis-            More specifically, the rule prohibits                               uuu                     Condo and townhome sales fell to                                                                                                                                                                                                     you can cash out some of your home
        sion has issued a new rule to     deceptive claims regarding the                                                              23 in August 2011 from 32 a year ago,                                                                                                                                                                                                  equity for home improvement or col-
        strengthen consumer protec-       existence, nature or amount of fees                   Sales of single-family homes dropped with the median price off by 22 per-                                                                                                                                                                                                    lege expenses, ensuring that it’s for a
tions against deceptive mort-                        or costs to the consumer                by slightly more than 18 percent in      cent. Land sales saw modest growth,                                                                                                                                                                                                    project with real long-term benefits.
gage advertisements. The                             associated with a mortgage;             Santa Fe city and county, to 60 in       with seven sales reported this August                                                                                                                                                                                                     A mortgage refinance at a lower rate
Mortgage Act and Practices                           terms, amounts, payments,               August 2011 from 86 a year ago. With     compared with six in August 2010.                                                                                                                                                                                                      may offer you an opportunity to com-
rule, which went into effect                         or other requirements                   lowered home sales, the overall median                                                                                                                                                                                                                                          bine two mortgages, such as the main
                                                                                             price of homes in the Santa Fe area also                   uuu
on Aug. 19, prohibits those                          relating to taxes or                                                                                                                                                                                                                                                                                                    mortgage and home equity loan. And
providing information about                          insurance regarding the                 decreased, to $359,000 from $383,000       With interest rates at record lows,                                                                                                                                                                                                  lastly, in divorce situations where the
mortgage credit products to                          mortgage; the variability               last August, a decline of 6 percent.     many homeowners are considering                                                                                                                                                                                                        home is jointly owned, this may be the
consumers from making false                          of interest, payments                      The total volume of home sales        refinancing their mortgages. There                                                                                                                                                                                                     best time to allow the spouse keeping
or misleading statements.                            or other terms of the                   declined by 32 percent to $30.6 million, are multiple reasons to refinance your                                                                                                                                                                                                 the home to fully take on this respon-
   The act requires                                  mortgage; mortgage type;                from $45.2 million in 2010. This down- home other than merely to lower your                                                                                                                                                                                                     sibility.
entities within the FTC’s             Donna          source of advertisement;                ward pressure on the Santa Fe market     monthly payment. As part of your refi-                                                                                                                                                                                                    For more information about home
jurisdiction — including             Reynolds        and the likelihood of                   was in contrast to a general increase    nancing, you may choose to change the                                                                                                                                                                                                  financing options, visit the National
mortgage lenders, mortgage        Housing Corner     obtaining refinancing                   in home sales throughout the country.    term of your mortgage from a 30-year                                                                                                                                                                                                   Association of Realtors’ consumer
brokers and servicers, real-                         or a modification of the                Those of us who track housing attri-     to a 15-year term, reducing your total                                                                                                                                                                                                 Web portal at
estate agents and brokers,                           mortgage.                               bute much of the decline to local fires  interest costs.
advertising agencies, and home              The FTC works for consumers to                   that raged in Santa Fe during late June    Interest rates are low, and this may                                                                                                                                                                                                  Donna Reynolds is chief executive of the
builders — to maintain certain records prevent fraudulent, deceptive and                     and July, distracting both buyers and    be the time to convert your adjustable                                                                                                                                                                                                 Santa Fe Association of Realtors, www.
related to these communications.          unfair business practices.                         brokers.                                 rate to a fixed rate. During a refinance,                                                                                                                                                                                    


Offering community, affordability
By Flo Barnes
For The New Mexican

          here’s a new sort of community
          nestled on the south side of
          town. The Village Sage afford-
          able housing complex, brain-
child of The Housing Trust, partnering
with the New Mexico Coalition to End
Homelessness and the New Mexico
School for the Deaf, was completed in
   Twelve apartments are accessible
to persons who are deaf, and 15 are
reserved for formerly homeless indi-
viduals and families, who can access
an array of services onsite to help them
prosper. This aspect of the project was                                                                                                                                                                                                                                                                                                                                                             According to
inspired by the Renaissance model of                                                                                                                                                                                                                                                                                                                                                                the designer,
mixed-income housing created by the                                                                                                                                                                                                                                                                                                                                                                 the site
Colorado Coalition for the Homeless.                                                                                                                                                                                                                                                                                                                                                                concept at
                                                                                                                                                                                                                                                                                                                                                                                                    Village Sage
   According to Jeremy Shelton of                                                                                                                                                                                                                                                                                                                                                                   was inspired
Dekker Perich Sabitini, who designed                                                                                                                                                                                                                                                                                                                                                                by traditional
the project, the overall site concept                                                                                                                                                                                                                                                                                                                                                               village
was inspired by traditional village                                                                                                                                                                                                                                                                                                                                                                 communities
communities where homesteads were                                                                                                                                                                                                                                                                                                                                                                   where
clustered together to encourage social                                                                                                                                                                                                                                                                                                                                                              homesteads
interaction between neighbors while                                                                                                                                                                                                                                                                                                                                                                 were clustered
creating a protective environment for                                                                                                                                                                                                                                                                                                                                                               together to
children.                                                                                                                                                                                                                                                                                                                                                                                           encourage
   Village Sage resident Debra Edwards                                                                                                                                                                                                                                                                                                                                                              interaction
previously lived in the country near                                                                                                                                                                                                                                                                                                                                                                between
the Eaves Movie Ranch.                                                                                                                                                                                                                                                                                                                                                                              neighbors.
   “I was driving around to find a place
to live closer in and with running                                                                                                                                                                                                                                                                                                                                                                  PHOTOS BY SERQUIS
                                                                                                                                                                                                                                                                                                                                                                                                    + ASSOCIATES
water — we sometimes ran out in the                                                                                                                                                                                                                                                                                                                                                                 LANDSCAPE
country. It’s not a big complex and                                                                                                                                                                                                                                                                                                                                                                 STUDIO
there are nice, peaceful views of the
mountains all around,” Edwards said.
                                                                                                                         know some of the neighbors; they’re                                                                                                                                                                                                                 if someone needs to go somewhere,
   The landscape design by Serquis +
                                                                                                                         friendly,” said Jaramillo, a plumber.                                                                                                                                                                                                               and there’s an art room where kids can
Associates fosters the creation of com-
                                                                                                                            “Right now Maria is participating in                                                                                                                                                                                                             play. If we want, we can plant things in
munity in a beautiful way. An array of
                                                                                                                         the GED program. They [Village Sage                                                                                                                                                                                                                 the garden,” DeHerrera said.
gardens featuring rocks, sage, edibles
and high desert/waterwise plants join a                                                                                  staff] got her a tutor. We’re trying to                                                                                                                                                                                                                Patty Romero is the service coordi-
fruit orchard and a community garden                                                                                     do a community council so people will                                                                                                                                                                                                               nator onsite. She helps with everything
that residents are invited to use. There                                                                                 be more involved with our own little                                                                                                                                                                                                                from disputes to career counseling, job
are 1.75 acres of dedicated open space,                                                                                  community. We’re having meetings on                                                                                                                                                                                                                 hunting, tutoring and connecting with
wetlands, connection to the Tierra                                                                                       awareness, like crime stoppers stuff,”                                                                                                                                                                                                              other agencies.
Contenta trail system and a commu-                                                                                       Jaramillo said.                                                                                                                                                                                                                                        “We partner with a lot of the dif-
nity center.                                                                                                                Monique DeHerrera lives at Village                                                                                                                                                                                                               ferent agencies,” she said. “One of
   Sharron Welsh has been executive                                                                                      Sage with her boyfriend, Adam Valdez,                                                                                                                                                                                                               the main things we’re doing is to set
director of the Housing Trust since its                                                                                  and their 11⁄2-year-old son. “It’s my first                                                                                                                                                                                                         up GED tutoring, a computer lab and
founding in 1992. “In 2007 we made the                                                                                   apartment. I’ve never lived on my own                                                                                                                                                                                                               office space, and we’re working with
decision to expand into multifamily                                                                                      before. It’s a safe, good environment                                                                                                                                                                                                               La Familia for flu shots. Last year
rental housing. We purchased the site                                                                                    and it’s affordable,” said DeHerrera,                                                                                                                                                                                                               before tax day we had a gentleman
from the School for the Deaf, who’s                                                                                      who previously lived with her grand-                                                                                                                                                                                                                help prepare tax returns,” Romero said.
excited to be part of it. I personally                                                                                   mother.                                                                                                                                                                                                                                                Village Sage was certified by Enter-
think more people are finding a perma-                                                                                       “I meet other mothers while our                                                                                                                                                                                                                 prise Green Communities, which is
nent rental housing solution instead of                                                                                  children play. I like how there’s a lot of                                                                                                                                                                                                          the first national green building pro-
buying a home,” Welsh said.                                                                                              kids. It feels like home. There are a lot                                                                                                                                                                                                           gram developed for affordable hous-
    “It’s a pretty unique project on          The landscape design by Serquis + Associates fosters the creation of com- of options around here — four or more
                                                                                                                                                                                                                                                                                                                                                                             ing. Enterprise Green Communities
a fairly large parcel,” said Spencer          munity.                                                                    day care centers. It’s eco friendly the                                                                                                                                                                                                             focuses on the use of environmentally
Haynsworth, Housing Trust develop-                                                                                       way they built them and the products                                                                                                                                                                                                                sustainable materials, reduction of
ment director. “We made the footprint         nature zone with a pollinator garden Haynesworth said.                     they use. My boyfriend has a GED                                                                                                                                                                                                                    negative environmental impacts and
compact so we could create court-             and willow tunnel. We were selective     Marshall Jaramillo and Maria      class coming up. If people don’t have                                                                                                                                                                                                               increased energy efficiency.
yards and spaces between buildings.           in terms of green elements because   DeLeon have lived at Village Sage     a car, they can walk to the class. Not                                                                                                                                                                                                                 For more information, call 474-4226
We took a retention pond required by          of the budget. We focused on water   since the end of May. “I really enjoy many apartment complexes do that.                                                                                                                                                                                                                   or email villagesage@monarchnm.
the city of Santa Fe and made a whole         conservation and energy savings,”    it; it’s a very nice place to live. I Bikes are on loan for transportation                                                                                                                                                                                                                com.

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