Take A Peek At Los Alamos, New Mexico

Month: June 2021

Growing Families Strong in Los Alamos

Last week we talked about Los Alamos Family Council and the many services they offer to the community, most of them at low cost or even no cost. This week, I want to dig a little deeper and feature two non-profit organizations that are absolutely dedicated to strengthening families from the ground up.

First Born

As you might expect from the name, First Born is an organization that helps first time parents get a grip on the parenting experience. Kids don’t come with an instruction manual and goodness knows it can be difficult to cope when you were already juggling a life packed with responsibilities and commitments even before you added your bundle of joy!

First Born specializes in home visits beginning during the prenatal time to help moms and dads get ready for the big event. Typically, a home visitor will remain attached to the family for a period of up to three years after birth. Imagine having Google Answers – Baby Edition right there in your living room each week! Talk about an invaluable service! Not only are home visitors available, but First Born provides lactation counselors at no charge for those who have questions or concerns about breastfeeding.

If the organization has the resources, they also work with families who are new (again) to parenting simply because a good chunk of time has passed between their current youngest and their current pregnancy. Or, perhaps one of you has gone through the parenting process before, but one of you hasn’t. Or, maybe you’re trying to breastfeed for the first time and need some extra help.

Pretty much, if your family needs a bit of extra support, First Born will try to lend a helping hand. It’s what they’ve been doing since the organization first kicked off in Silver City, NM in 1997. Since then, they’ve opened offices and offered support in 15 different counties here in New Mexico. The mission of First Born is to encourage relationship building within families through curriculum based early intervention models in an effort to strengthen families and empower parents to raise healthy, happy kids. It’s an awesome organization and if you know anyone who is starting or growing their family, you should absolutely get them connected to our local chapter!

Family Strengths Network

If your kiddos have already made it past toddlerhood and into that rather long stretch of childhood, don’t worry, you’re not alone. Family Strengths Network has you covered. Their mission statement is as follows: “Through our work, Family Strengths Network improves the quality of family life for generations. FSN provides educational and fun activities to all types of families, parents, teens, and children. FSN: Empowering Families, Building Community.”

Empowering Families, Building Community

From Saturday activities for special needs children to teen groups focused on communication skills, Family Strengths Network is all about just that. Strengthening Family. They even have a lending library with hundreds of books about topics near and dear to the parents’ heart. The organization also offers parenting classes and social groups to help moms connect.

If you’re looking for an activity to get your kids active again, check out the FSN website. They’ve got classes for all ages as well as cool activities for the whole family to enjoy. As advocates for early intervention, they have a strong focus on empowering families to understand human growth and development in a way that helps them guide their children through the milestones of life. With access to other local resource networks such as Los Cumbres and even First Born, FSN is committed to putting you and your family on the right track to a healthy, happy, and productive life!

So don’t forget to check out these two great organizations here in Los Alamos! Our community is always growing and always looking for ways to support one another. If you’re ready to be a part of Life in Los Alamos, give me a call! I’m always happy to talk about my hometown!

Meeting Community Needs in Los Alamos

There is no doubt that our community on the hill has a lot to offer when it comes to resources. We’ve got miles of trails, beautiful parks, a golf course, horse stables, libraries filled with books and activities, community swimming pools, and even a brand new splash pad for the kiddos! However, what you might not realize is that we also have some seriously amazing local organizations dedicated to improving daily life in Los Alamos on a whole other level.

Los Alamos Family Council

Los Alamos Family was officially opened as a community mental health provider in 1963. They’ve been a non-profit community service organization for nearly sixty years and during that time they’ve seen a lot of changes in both mental health treatment and in the community of Los Alamos. LAFC has been located in the building on the corner of 15th Street and Nectar since 1982. They were one of the first organizations funded by United Way and have always tried to grow and change with the needs of Los Alamos by offering individual and group therapy as well as a variety of other services. Over the years they’ve been instrumental in implementing services such as Adult Day Care, the Senior Center, Meals on Wheels, Big Brothers/Big Sisters, and the Juvenile Justice Advisory Board. If you’re not familiar with these programs, you’re probably familiar with one of LAFC’s most popular offerings.

The Activity Center

In the mid 2000’s LAFC partnered with the county to open Youth Activity Centers in both Los Alamos and White Rock. This provides a safe environment for kids grades 3-8 to be supervised while enjoying crafts, games, and other fun things at no cost to their parents. While the White Rock AC isn’t open during the summer, the Los Alamos AC is located at the Community Building by Ashley Pond and is currently open. During the summer, field trips to the YMCA Climbing Wall and Bandelier National Monument are often available. Last week the kids got to visit the brand new Splash Pad at Pinon Park! So if your kiddos are tired of being at home after Covid, check out the Activity Center FB page and get them out and about for some much needed fun!

Community Groups

Although Family Council does sponsor several groups focused on substance abuse/relapse and recovery prevention, there are also groups for people just like you. If you’ve never experienced group therapy, you might be surprised at what you could get out of it. This summer, LAFC is partnering with the YMCA to offer a support group for Moms focused on recognizing and dealing with stress. After a year of being isolated, it’s a fun chance to network with other moms in town and just chat about life. Contact the YMCA at 505-662-3100 for more information or to sign up to be a part of this group.

LAFC Executive Director, Jordan Redmond, hopes that there will be more opportunities for the community to benefit from the group experience. There are plans for everything from groups focused on Boundaries and Emotional Regulation to Art Therapy this summer and fall. And in August, LAFC is excited to begin SMART Recovery meetings. SMART is an international organization dedicated to a science based method of dealing with addiction whether you’ve got a secret handbag fetish, substance issues, or just too many cats!

Individual Mental Health

And as always, Los Alamos Family Council offers individual therapy for all ages. The organization was started with the purpose of community mental health and that is their focus. Better understanding of emotions. Better success in personal relationships. Increased satisfaction with life. Give them a call if you need someone to talk to no matter the reason.

So keep checking back to get the latest info on other organizations dedicated to bettering life here in Los Alamos. And in the meantime, if you’re ready to buy or sell your home here in Los Alamos, call me! I would love to talk about Life in Los Alamos with you!

When to Refinance Your Home in Los Alamos

We’ve talked about the way current mortgage rates affect your buying power, but do those historic low rates on new loans benefit a homeowner who purchased their house five, ten, or even fifteen years ago when the rates were a whole lot higher? Maybe not in the same way, but whether or not you’ve been in your home for a few years or a lot of years, it might be time to consider refinancing.

Refinancing. That word tends to pop up frequently for some people and others never even consider it. The simple explanation is that you pay off your current home loan and get a new one. It sounds like a lot of trouble to some people. After all, it was a decent amount of work to get your first mortgage. But there are a few really important things to look at that could make refinancing your home a choice that improves your financial situation a lot!

Some experts suggest that the rule of thumb says you refinance if you’re going to get a 1% drop in interest rate. But this is a blanket statement that doesn’t actually apply to every situation. The rate a lender will offer you when you refinance your home has to do with your credit score and the amount of equity you have in your home.

Equity. Here in Los Alamos, residents who bought their homes in the last decade or more have seen an incredible rise in the value of their house. Some of you might have even gone from being upside down on your home (you owe more than your house is worth) to having 20% equity or even more! This is wonderful news! First of all if you have a good amount of equity in your home, you might not need to carry mortgage insurance anymore. Sometimes you see this on your payment statements as PMI. This could either reduce your monthly payment, or allow you to apply more dollars every month to the actual principal amount on your loan. Either way it’s a win!

Maybe you’d like to shorten the term of your mortgage. With the increased buying power that comes with lower interest rates and higher equity, you could get a fifteen year mortgage instead of a thirty year and potentially see very little change in your current payment. Imagine not feeling stuck in your home here in Los Alamos because there’s nowhere else in town to move. Imagine feeling closer to paying off your home and having the opportunity to make changes in your financial situation and your life in other new and exciting ways!

Perhaps you bought your home when mortgage lenders were offering creative financing options like 80/20 loans where you borrow your down payment. Or you might have cashed out on equity at some point and gotten a second mortgage. This could be the perfect time to consolidate and only have one payment with an improved rate.

No matter which of these situations apply to you and your family, there are a few things you should consider when you think about refinancing your current mortgage.

How long are you planning to stay in your home? If you’re planning to move away from Los Alamos in the next year or two, refinancing your home might not be the right choice. There are closing costs associated with refinance. Credit checks, appraisals, and other necessities cost money. It takes a certain amount of time for any savings you might get on your payment to recoup those closing costs.

How is your credit? It might be that you’ve hit a rough financial patch after 2020. Check with your lender to see what you can do to get your credit score exactly where it needs to be in order to get the full benefit of a refinance. It might be that paying off a few credit cards or personal loans could get you a better rate and a deeper savings each month than you ever thought possible.

Regardless of what your situation is, don’t be afraid to ask for more information. Give me a call if you’d like a recommendation on a reputable mortgage lender who will work with you on your refinancing options. And as always, if you’ve decided to sell or buy a home in Los Alamos, I’d love to hear from you!