Bernalillo County Contract for Deed Form

Bernalillo County Contract for Deed Form
Fill in the blank Contract for Deed form formatted to comply with all New Mexico recording and content requirements.

Bernalillo County Contract for Deed Guide
Line by line guide explaining every blank on the Contract for Deed form.

Bernalillo County Completed Example of the Contract for Deed Document
Example of a properly completed New Mexico Contract for Deed document for reference.

Bernalillo County Adverse Material Facts Disclosure Statement
Fill in the blank form formatted to comply with all New Mexico content requirements.

Bernalillo County Estimated Property Tax Waiver Form
NM Stat § 47-13-4(F). A prospective buyer may waive the disclosure requirements of this section by signing a written document prior to the time the offer to purchase is to be made in which the buyer acknowledges that the required estimated amount of property tax levy is not readily available and waives disclosure of the estimated amount of property tax levy.

Bernalillo County Lead Based Paint Disclosure Form
Applicable to residential property built before 1978.

Bernalillo County Lead Based Paint Brochure
Brochure for buyers if applicable.
All 7 documents above included • One-time purchase • No recurring fees
Additional New Mexico and Bernalillo County documents included at no extra charge:
Where to Record Your Documents
Bernalillo County Clerk
Albuquerque, New Mexico 87102-0542
Hours: 8:00am-5:00pm M-F
Phone: (505) 468-1290
Recording Tips for Bernalillo County:
- Bring your driver's license or state-issued photo ID
- Leave recording info boxes blank - the office fills these
- Recording fees may differ from what's posted online - verify current rates
Cities and Jurisdictions in Bernalillo County
Properties in any of these areas use Bernalillo County forms:
- Albuquerque
- Cedar Crest
- Isleta
- Kirtland Afb
- Sandia Park
- Tijeras
How do I get my forms?
Forms are available for immediate download after payment. The Bernalillo County forms will be in your account ready to download to your computer. An account is created for you during checkout if you don't have one. Forms are NOT emailed.
Are these forms guaranteed to be recordable in Bernalillo County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Bernalillo County including margin requirements, content requirements, font and font size requirements.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Bernalillo County you only need to order once.
What do I need to use these forms?
The forms are PDFs that you fill out on your computer. You'll need Adobe Reader (free software that most computers already have). You do NOT enter your property information online - you download the blank forms and complete them privately on your own computer.
Are there any recurring fees?
No. This is a one-time purchase. Nothing to cancel, no memberships, no recurring fees.
How much does it cost to record in Bernalillo County?
Recording fees in Bernalillo County vary. Contact the recorder's office at (505) 468-1290 for current fees.
Have other questions? Contact our support team
In New Mexico, a Contract for Deed (also called a real estate contract, installment land contract, or owner-financing agreement) is a useful tool for property transactions where the buyer cannot or does not want to obtain conventional financing, and the seller agrees to finance the purchase over time. However, due to the risk to buyers, especially in low-income and rural areas, New Mexico has adopted specific legal protections—especially under SB 449 (2023), codified in NMSA 1978, Chapter 47, Article 13.
When a Contract for Deed Is Useful in New Mexico
-Buyer lacks access to traditional mortgage financing.
-Useful for buyers with poor credit or limited income.
-Sellers can attract more buyers by offering seller financing.
-Seller wants to retain legal title until full payment.
-Protects seller if buyer defaults.
-Legal title remains with the seller until the full contract amount is paid.
-Installment payments are agreeable to both parties.
-Can include structured payments over years.
Interest and terms are flexible between parties.
-Rural or undeveloped property.
-Banks may not lend on raw land or mobile homes without permanent foundation.
Why the Law Requires Certain Disclosures Before Accepting an Offer
Under New Mexico’s Real Estate Contract Act (SB 449, 2023), sellers must protect buyers from unexpected tax and condition issues, especially in installment contracts. Two required disclosures are:
1. Estimated Property Tax Levy (NMSA 1978, § 47-13-4)
“Prior to accepting an offer to purchase,” the seller or seller's broker shall: (1) request from the county assessor the estimated amount of property tax levy with respect to the property and shall specify the listed price as the value of the property to be used in the estimate.”
Purpose:
Protects buyers from sudden property tax increases after purchase.
Ensures buyers understand the future property tax liability based on the full sale price (not past assessments).
Prevents tax-related defaults that could lead to foreclosure.
2. Adverse Material Facts Disclosure Statement Under general real estate disclosure duties (aligned with NMREC rules and principles of good faith), sellers must disclose any known adverse material facts about the property.
What are “adverse material facts”?
Issues that significantly affect value or use of the property:
Structural damage
Unpermitted additions
Water damage or mold
Title problems or pending legal issues
Environmental hazards
Zoning violations
Easements or encroachments
Purpose:
-Prevents buyer deception or later claims of fraud or nondisclosure.
-Builds trust and compliance with NM real estate law.
-Required even more so when the seller is financing the transaction (i.e., they are acting almost like a lender).
Summary: Why These Steps Matter
Requirement Purpose ------------------------------Why It Matters
-Tax Levy Estimate-----To disclose expected annual tax cost based on sale price Protects buyers from unforeseen, unaffordable tax hikes
-Adverse Material Facts Disclosure----To inform the buyer of known serious defects/issues Prevents lawsuits for fraud, ensures buyer is fully informed.
Recording of the Contract (within 30 days) Required by SB 449-----Makes the buyer’s interest official and enforceable
Common Contract for Deed procedures.
Before accepting an offer, request the tax estimate from the county assessor (most counties have a form or online system). Unless buyer agree to waiver, see waiver form included.
-Fill out and provide the Adverse Material Facts Disclosure Statement (a form used in NM real estate practice).
-Draft the Contract for Deed with clear terms.
-Record the contract with the County Clerk within 30 days of execution.
Important: Your property must be located in Bernalillo County to use these forms. Documents should be recorded at the office below.
This Contract for Deed meets all recording requirements specific to Bernalillo County.
Our Promise
The documents you receive here will meet, or exceed, the Bernalillo County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.
Save Time and Money
Get your Bernalillo County Contract for Deed form done right the first time with Deeds.com Uniform Conveyancing Blanks. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. We constantly review and update our forms to meet rapidly changing state and county recording requirements for roughly 3,500 counties and local jurisdictions.
4.8 out of 5 - ( 4570 Reviews )
Joni S.
February 6th, 2024
Excellent service, no hassle, easy to use, affordable, best service -- hands down. I thought it would be difficult for me to record a deed in Florida while residing in California but you made it so easy. I will tell everyone about your service. Thank you.
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Susan Mary S.
August 24th, 2020
Thank you for the thorough assortment of forms!
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April 21st, 2021
This has been a lifesaver for me. Exactly what I needed. Forma are easy to fill in. Thank you for offering this instead of going thru a lawyer. faster and no wait time.
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February 17th, 2021
This was my first time using Deeds.com It was very easy to understand and use. I was pleasantly suprised.
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Teresa H.
March 14th, 2019
I loved that there was a sample with the downloads. It made it much easier to fill out the document correctly.
Thank you Teresa, have a great day!
Theresa J.
March 27th, 2023
The beginning of the process was very simple. In the middle now waiting for the invoice to move forward.
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LEVELL H.
April 20th, 2021
I was very pleased with the ease in use of the forms. I suggest making sure the sample copy is totally aligned with the exact same parts. I was a little confused about the portion "Subject to.." It was easy to make corrections, additions, etc because the page remained open, and I didn't have to re=open the forms continuously.
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Annette L.
July 6th, 2023
Wow -- amazingly fast turnaround and excellent customer service and communication. Thank you for saving me hours of time and effort!
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Robert T.
June 10th, 2021
Thanks to Deeds.com, our law office was able to get the deed of trust filed without having to run around town wasting gas and they were very efficient and quick with getting it done in a timely manner.
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Jonelle R.
March 13th, 2023
Paperwork very easy to retrieve. Hope going to get it recorded will be this easy.
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Virginia M.
August 26th, 2020
This was the easiest web page ive ever navigated .Found just what i needed fast !
Thank you!
Joshua W.
May 9th, 2021
Very efficient and easy to use, worth the price.
Thank you for your feedback. We really appreciate it. Have a great day!
Leonard H.
November 21st, 2019
Just perfect for what I needed. Made the property transfer very easy.
Thank you!
Diane W.
January 3rd, 2020
The forms were immediately available for download, which was nice. However, I was not impressed by the lack of several features: 1) there was no way to edit set text in the form, such as where it says you should consult an attorney. That is not necessary for recording the deed and I wanted to deleted it, but could not. 2) Also, under the "Notes" section, there is a limited area to write; I tried adding a fuller explanation of something, but the form would not accept or include it when I printed the final document. The form may do the job, but it's not very sophisticated or elegant.
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Jayne S.
August 24th, 2023
Very prompt and excellent service!
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