HCS Week 16

ADOPTIONS: 1

A Dose of Reality: National Prescription Drug Take Back Day

Unused medication can sometimes find its way into the wrong hands, so it’s critical to dispose of it properly. To make that easier and raise awareness about the potential of medication abuse, and encourage people to remove unneeded medications from their homes, the U.S. Drug Enforcement Administration (DEA) hosts National Prescription Drug Take Back Days each spring and fall. For year-round convenience, CVS Pharmacy offers in-store disposal units available during pharmacy hours at thousands of locations nationwide.

Why is safe medication disposal important?

Unneeded or expired medications that are not properly secured of disposed can be associated with accidental poisoning and improper access by those seeking to misuse them.

How can I get rid of unwanted medications?

There are multiple ways to dispose of unwanted medications—including CVS Pharmacy’s safe medication disposal kiosks and take-home drug deactivation packets such as DisposeRx®.

• Medication disposal kiosks: These in-store disposal units accept prescription medications, over-the-counter medications and liquid medication bottles. Items not allowed include illegal drugs (Schedule 1), needles, syringes or sharps containers, medical devices and batteries, aerosol cans and inhalers, chemicals and mercury-containing devices. The secure kiosks are available in 3,700 locations nationwide, located near the pharmacy, and are monitored by pharmacists.

• DisposeRx®: When combined with warm water and added to a pill bottle, DisposeRx® turns medications into a biodegradable gel, which can be safely discarded at home. Packets are available at select CVS Pharmacy locations for certain prescriptions.

How do I dispose of medicine if a take-back program is not available near me?

The best way to get rid of medications is to use a permanent drug disposal box, especially for substances with potential for misuse. However, some medications can be safely disposed of at home if a drug disposal box is unavailable. To ensure medications are disposed of safely, it is important to learn proper at-home practices.

• Flush it: While flushing is not recommended in most cases, some medications need to be flushed if no take-back options are immediately available in your area. Check the label or consult the U.S. Food and Drug Administration’s (FDA) “flush list” to confirm whether a medication can be

flushed.

• Throw it in the trash: Almost all medicines, except those on the FDA’s flush list, can be thrown into household trash. Prescription and overthe-counter pills, liquids, drops, patches and creams must remain intact, but should be removed from their original containers and mixed with something undesirable such as coffee grounds or cat litter, then placed in a secure bag or container. Don’t forget to scratch out all personal information on prescription labels.

• Contact the trash and recycling facility: Read labels and follow local regulations and laws about properly disposing of inhalers or other aerosol products, as these can be dangerous if punctured or thrown into a fire or incinerator.

CVS Pharmacy has collected more than five million pounds of unwanted and expired medication through its safe medication disposal units since they were established in 2014.

To find a convenient disposal location near you, including select CVS Pharmacy locations, visit www.safe.pharmacy/drug-disposal.

-(NAPSI)

SUITS

STATE OF NEW MEXICO COUNTY OF Bernalillo

Second JUDICIAL DISTRICT

NO. D-202-DM-2022-3030

Doreen Davis, Petitioner(s) IN THE MATTER OF THE KINSHIP GUARDIANSHIP OF ERB, (a) Child(ren), and concerning Jacey Bahn & Alfonso Romero Respondent(s) NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to Jacey Bahn, Respondent(s).

Greetings:

You are hereby notified that Doreen Davis, Petitioner(s), filed a Petition To Appoint Kinship Guardian(s) for Elias Bentlee Romero against you in the above entitled Court and cause.

Unless you enter your appearance and written response in said cause on or before May 22, 2023, a judgment by default will be entered against you.

Name and address of Petitioner or Petitioner’s Attorney:

Doreen Davis

517 West St. N.

Talladega, AL 35160

WITNESS the Honorable

AMBER CHAVEZ BAKER, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, this 31st day of March, 2023.

KATINA WATSON

CLERK OF THE DISTRICT COURT

By: /s/ Delilah Salaz

Deputy Clerk

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT NO. D-202-DM-2023-35

Miguel Gomez & Maria Santana de Gomez

Petitioner, vs. Ally Gomez & Haywood Watson

Respondent, NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to the above-named Respondent(s).

Greetings:

You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being:

A Petition to Appoint Kinship guardianship

Unless you enter your appearance in said cause on or before the day of MAY 24 2023, a judgment by default will be entered against you.

Name and address of Petitioner or Petitioner’s Attorney:

Miguel Gomez & Maria Santana de Gomez 733 Towner Ave NW Albuquerque, NM 87102

WITNESS the Honorable

AMBER CHAVEZ BAKER, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, this day of Apr 04 2023.

KATINA WATSON

CLERK OF THE DISTRICT COURT

By: /s/ Deputy Clerk HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT No. D-202-CV-2023-00093

KRYSTIN ATENCIO, as Parent and Guardian of M.J., a Minor, Plaintiff, v.

ALBERTA TRUJILLO, RAYMOND MARES, DOMENIC MORA, and IVAN A. CHAPARRO, Defendants.

NOTICE OF PENDENCY OF ACTION

You are hereby notified that a personal injury action has been filed against Defendant Alberta Trujillo for injuries caused by a dog bite which occurred on May 28, 2021, and for compensatory damages arising therefrom. Service is sought against:

Defendant, Alberta Trujillo

Plaintiff’s Attorney: Daniel P. Buttram

Attorney for Plaintiff Whitener Law Firm, P.A. 4110 Cutler Avenue, NE Albuquerque, New Mexico 87110 505-242-3333

Notice is hereby given that

Default Judgment may be entered against Defendant Alberta Trujillo if no response is filed by 30 days from the last day of publication. IN WITNESS WHEREOF, I have hereunto set my hand and Seal of said Court, this 5th day of APRIL, 2023.

KATINA WATSON COURT CLERK

SECOND JUDICIAL DISTRICT

COURT /s/ Angela Simpson

DEPUTY

HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

NO. D-202-DM-2022-1637

SANAJA ANJUN’E BEACHEM

Petitioner, vs. AWTAVIAN SHAVOTE

GRAHAM

Respondent, NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to the above-named Respondent(s).

Greetings: You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being:

Dissolution of Marriage

Unless you enter your appearance in said cause on or before the 15th day of MAY, 2023, a judgment by default will be entered against you.

Name and address of Petitioner or Petitioner’s Attorney:

SANAJA ANJUN’E BEACHEM

9700 GOLF COURSE RD NW, ALBUQUERQUE, NM 87114

WITNESS the Honorable JANE

C. LEVY, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, this 28TH day of MARCH, 2023.

KATINA WATSON CLERK OF THE DISTRICT COURT

By: /s/ Patrick Romancito

Deputy Clerk HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT NO. D-202-CV-2022-07508 KIRTLAND CREDIT UNION,

Plaintiff, has filed an action in the Second Judicial District Court of Bernalillo County, New Mexico, and wherein the said Plaintiff seeks to obtain constructive service of process upon you.

The general object of said action is: Civil Complaint for Debt Due You are further notified that unless you serve a pleading or motion in response to the complaint in said cause on or before thirty (30) days after the last publication date, judgment will be entered against you.

The name and post office address of the Attorneys for the Plaintiff is as follows: Aldridge, Hammar & Wexler, P.A.., 1212 Pennsylvania, NE, Albuquerque, New Mexico 87110.

WITNESS the Honorable Joshua Andrew Allison, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County on 03/30/2023, 2023.

KATINA WATSON CLERK OF THE DISTRICT COURT

By: /s/ Angela Simpson Deputy HCS Pub. April 14, 21, 28, 2023

NOTICE OF PENDENCY STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No.: D-202-DM-2023-00272

DANIELA TORRES HERNANDEZ, Petitioner, -vsANGEL RUBIEL SIMON ARIAS, Respondent.

TO: Respondent, Angel Rubiel Simon Arias

NOTICE OF PENDENCY OF ACTION IN THE STATE OF NEW MEXICO to Respondent Angel Rubiel Simon Arias, biological parent of Karyme Desiree Simon Torres, a minor.

You are hereby notified that Daniela Torres Hernandez, Petitioner, has filed a Petition to Establish Parentage, Determine Custody, Time-Sharing and Child Support. A hearing on this matter may be heard to determine whether Petitioner shall be granted sole custody of Karyme.

If a hearing takes place, it will be at the Second Judicial District Courthouse at 400 Lomas Blvd NW, Albuquerque NM 87104. If you do not enter a response and send the same to Petitioners’ attorneys, or do not appear at the hearing, the Court may enter a default judgment in your absence. Regarding this petition, if you do not enter a response and send the same to Petitioners’ attorneys, the Court may enter a default judgment in your absence. Attorneys for Petitioner are Esther C. Jamison, 201 12th Street NW, Albuquerque, NM 87102, 505-842-8662, and Lara Christensen, 4004 Camino De La Sierra NE, Albuquerque, NM 87111, 505-319-9337. Honorable Judge Jane C. Levy, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, this day of 3/24/2023.

Submitted by, Esther C. Jamison

Kennedy, Hernandez & Harrison, P.C.

201 12th Street NW Albuquerque, NM 87102

(505) 842-8662

--and—

Lara Christensen 4004 Camino De La Sierra NE

Albuquerque, NM 87111

(505) 319-9337

Attorneys for Petitioner

SECOND JUDICIAL DISTRICT

By: /s/ Valerie Begay Deputy Clerk HCS Pub. April

14, 21, 28, 2023

STATE OF NEW MEXICO · COUNTY OF SANDOVAL

THIRTEENTH JUDICIAL DISTRICT COURT

D-1329-DM-2011-00075 ANDREA Y TRUJILLIO

Petitioner, vs. SALIM M SAMJI

Respondent. EMERGENCY MOTION TO MODIFY COURTS MOST RECENT CUSTODY ARRANGEMENT FOR FULL TIME CUSTODY AND CARE OF CHILD TO BE WITH RESPONDENT COMES NOW Salim Samji, pro se, and respectfully request that this Honorable Court amend the current visitation order and compel the Petitioner to allow for proper visitation and prevent alienation and estrangement.

FACTS

1. The most recent timesharing and custody plan was set forth on November 26, 2013.

2. Since this order was in place, Petitioner has disappeared. Respondent is aware that she is currently under investigation by CYFD, and they too cannot locate her.

3. Counsel is aware that Petitioner and her estranged husband are currently separated.

4. Respondent has had no communication with Petitioner about time sharing, custody arrangements or anything concerning child. It is concerning because the child has been taken out of the State without his permission and knowledge. It is assumed that Petitioner’s estranged husband who she is currently separated from is taking child without Petitioner.

5. Respondent cannot locate or reach Petitioner to request her position.

6. Respondent is concerned that ongoing time with the Petitioner’s estranged husband who she is separated with is not permitted in the most recent timesharing and custody plan that was set forth on November 26, 2013. WHEREFORE, Respondent respectfully requests this Court to schedule an emergency hearing and award him full custody of the child.

Submitted by:

/s/ Salim Samji

ALL LITIGANTS MUST COMPLY WITH LR13-118 Motion practice; package procedure I HEREBY CERTIFY that on this 21 day of October, 2022, a true and correct copy of this pleading was delivered to the last known address of the Petitioner.

/s/ Salim Samji

SALIM SAMJI HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT Case No.: D-202CV-2023-00907

JOE’S PROPERTIES, LLC, Plaintiff, v. GROUP I: Raymond E. Parrott and Margaret B. Parrott, husband and wife; Thomas E. Segura and Nellie Segura, husband and wife; Anthony P. Baca and Shirley Ann Baca, husband and wife; Kenneth P. Cordova, Ralph Burress and Dorothy Burress, husband and wife; Charlotte Hennigan, Howard E. Burress, Kenneth P. Cordova, Anthony P. Baca and Shirley Ann Baca, husband and wife; Phillipp Pfeffer and Flora

Pfeffer, husband and wife; Jerome Pfeffer, Jerome H. Pfeffer and Lynne Pfeffer, husband and wife;

Cynthia J. Pfeffer, Sam S. Levian and Belka B. Levian, husband and wife,

GROUP II:

Any heirs or successors of the above-named Defendants, If said Defendants are deceased, and

GROUP III:

ALL UNKOWN CLAIMANTS OF INTEREST ADVERSE TO THE INTERESTS OF PLAINTIFF, Defendants.

NOTICE OF PENDENCY OF SUIT STATE OF NEW MEXICO to the following named Defendants:

GROUP I: Raymond E. Parrott and Margaret B. Parrott, husband and wife; Thomas E. Segura and Nellie Segura, husband and wife; Kenneth P. Cordova, Ralph Burress and Dorothy Burress, husband and wife; Charlotte Hennigan, Howard E. Burress, Phillipp Pfeffer and Flora Pfeffer, husband and wife; Jerome Pfeffer, Jerome H. Pfeffer and Lynne Pfeffer, husband and wife; Cynthia J. Pfeffer, Sam S. Levian and Belka B. Levian, husband and wife

GROUP II: ANY HEIRS OR SUCCESSORS OF THE ABOVE-NAMED DEFENDANTS, IF SAID DEFENDANTS ARE DECEASED

GROUP III: ALL UNKOWN CLAIMANTS OF INTEREST ADVERSE TO THE INTERESTS OF PLAINTIFF, GREETINGS:

You are hereby notified that the above-named Plaintiff, Joe’s Properties, LLC, has filed a civil action against you in the aboveentitled Court and cause, the general object thereof being to quiet title to property located in Bernalillo County, New Mexico and said property is more particularly described as: Part B, Tract 219, M.R.G.C.D. Map No. 38, as the same is shown and designated on the plat entitled “Redivision, Tract 219, MRGCD Map 38, Albuquerque, Bernalillo County, New Mexico,” filed in the Office of the County Clerk of Bernalillo County, New Mexico, on October 4, 1973, in Plat Book A4, Page 193. (hereinafter, the “Property”). That unless you enter your appearance in said cause on or before the thirty (30) days after the last publication date, judgment by default will be entered against you.

Name and address of Plaintiff’s attorney:

R. Will Jenkins

Aragon·Moss·George·Jenkins, LLP

2201 Menaul Blvd NE

Albuquerque, NM 87107

Office: (505) 872-3022

Email: jenkins@amgjlaw.com

KATINA WATSON

BERNALILLO COUNTY

DISTRICT COURT CLERK OF THE COURT

SECOND JUDICIAL DISTRICT COURT CLERK OF THE COURT

BY: /s/ DyAnna Garcia

Deputy Clerk DyAnna Garcia 4/12/2023

By: /s/R. Will Jenkins

R. Will Jenkins

Aragon·Moss·George·Jenkins, LLP 2201 Menaul Blvd NE

Albuquerque, NM 87107

Office: (505) 872-3022

Fax: (505) 214-5317

Email: jenkins@amgjlaw.com

Attorney for Plaintiff

HCS Pub. April 21, 28, May 5, 2023

STATE OF NEW MEXICO

COUNTY OF DONA ANA

THIRD JUDICIAL DISTRICT No. D-307-CV-2023-00632

Judge: Martin, James T. JAT NM LLC, a/k/a JAT, NM, LLC, a New Mexico limited liabilitycompany, Plaintiff, vs. MICHAEL K. LYLE; and any and all unknown persons who may claim a lien, interest or title adverse to Plaintiff, Defendants.

NOTICE OF PENDENCY OF SUIT

THE STATE OF NEW MEXICO

TO: MICHAEL K. LYLE; and any and all unknown persons who may claim any lien, interest or title adverse to Plaintiff

I, David Borunda, Court Administrator of the Third Judicial District Court in the County of Dona Ana, State of New Mexico, do hereby cause to be issued this Notice of Pendency of Suit, for the purpose of service of process on MICHAEL K. LYLE; and any and all unknown persons who may claim any lien, interest or title adverse to Plaintiff by publication. The names of the Plaintiff, Defendants, and the Court in which said cause is pending and the civil cause number are set out hereinabove. The Defendants against whom service by publication is sought to be obtained are MICHAEL K. LYLE; and any and all unknown persons who claim any lien, interest or title adverse to Plaintiff. The general object of this action is to quiet and to set at rest the title of Plaintiff in and to the lands described herein against any adverse claims of the Defendants and that the Defendants be barred and estopped from having or claiming any lien upon, any right or title to the estate of Plaintiff in and to said lands, or any portion thereof, adverse to the Plaintiff. The property which is affected and concerned by this pending action is located in Dona Ana County, New Mexico, and more particularly described as follows, to wit: Lot 32, of COUNTRY CLUB MANOR, located in the City of Las Cruces, County of Dona Ana, State of New Mexico as shown on Plat thereof recorded on March 11, 1957 in Plat Book 1, at Page(s) as Plat No. 458, records of Dona Ana. SAVING AND EXCEPTING THEREFROM a 2,130.24 square foot tract of land conveyed to the City of Las Cruces on November 3, 2006 in Book 761 at Pages 166-169, records of Dona Ana County, and being more particularly described as follows: A tract of land located within the corporate limits of the City of Las Cruces, Dona Ana County, New Mexico in Section 31, T.22 South, R.2 East, N.M.P.M. also part of that property filed December 15, 1989 in Deed Book 337, Page 54, in the records of Dona Ana County, and being more particularly described as follows, to wit:

BEGINNING at a ½” found iron rod being the northwest corner of the tract herein described, identical to the northwest corner of Lot 32, County Club Manor No. 1 Subdivision, as filed March 11, 1957 in plat record 1, page 32, Dona Ana County WHENCE a ½” iron rod found to be the northeast corner of Lot 32 of said subdivision, bears N 65°09’54”E, a distance of 199.56 feet; THENCE N 65°09’54”E, a distance of 21.35 feet to the

northeast corner of the tract herein described, marked by a set ½” iron rod with cap stamped NMPS 5949;

THENCE S 24°59’05”E, a distance 2.16 feet to an angle point of the tract herein described, marked by a set ½” iron rod with cap stamped NMPS 5949;

THENCE N 64°58’04”E, a distance 2.00 feet to an angle point of the tract herein described, marked by a set ½” iron rod with cap stamped NMPS 5949;

THENCE S 24°59’05”E, a distance 2.00 feet to an angle point of the tract herein described, marked by a set ½” iron rod with cap stamped NMPS 5949;

THENCE S 64°58’04”W, a distance 2.00 feet to an angle point of the tract herein described, marked by a set ½” iron rod with cap stamped NMPS 5949;

THENCE S 24°59’05”E, a distance 96.45 feet to the southeast corner of the tract herein described, marked by a set ½” iron rod with cap stamped NMPS 5949;

THENCE S 64°52’57”W, a distance of 20.90 feet to the southwest corner of the tract herein described, marked by a found ½” iron rod with cap stamped NMPS 9761;

THENCE N 25°14’36”W, a distance 100.71 feet to the place and point of beginning, containing 2130.24 square feet of land more or less.

Also described as:

Subd: COUNTRY CLUB MANOR

458 Lot: 32 S: 31 T: 22S R: 2E

Commonly known as 4004 Elks Drive, Las Cruces, New Mexico.

The name of the Plaintiff’s attorney is as follows: Dana

M. Kyle of The Law Offices of Dana M. Kyle, P.A., P.O. Box 2277, Las Cruces, New Mexico 88004, (575) 525-0020.

MICHAEL K. LYLE; and any and all unknown persons who may claim any lien, interest or title adverse to Plaintiff, against whom constructive service is sought to be obtained, are hereby notified that unless they file a responsive pleading or motion with this Court within thirty (30) days after the date of the third and last publication of this notice, judgment or other appropriate relief will be rendered in such suit against them by default.

WITNESS MY HAND AND SEAL this 18 day of April, 2023.

Court Administrator

By /s/ Kimberly D. Barraza, Deputy

Prepared by:

The Law Offices of Dana M. Kyle, P.A.

/s/ Dana M. Kyle Dana M. Kyle P. O. Box 2277 Las Cruces, NM 88004

(575) 525-0020

(575) 525-0017

Attorney for Plaintiff New Mexico Bar No. 8285

HCS Pub. April 21, 28, May 5, 2023

ADOPTION

SECOND JUDICIAL DISTRICT COURT CHILDREN’S COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO

No. D-202-SA-2023-00004

IN THE MATTER OF THE ADOPTION PETITION OF BRENT LEARNARD

NOTICE OF ADOPTION

PETITION TO BIOLOGICAL FATHER

To: Stephen Michael Lueras

Unknown YOU ARE HEREBY NOTIFIED that a Petition for Adoption has been filed by Petitioner in the above-entitled Court and cause on January 11, 2023. The Petitioners are required to give you, the Biological Father, notice that the above-referenced

Petition for Adoption was filed, which requests a decree allowing Petitioners to adopt Bella Lueras, born to Stephen Michael Lueras and Bianca Learnard on October 14, 2012, in Albuquerque, New Mexico.

Pursuant to NMSA §40-14-9 (1978), you have twenty (20) days from the date of service in which to respond to the Request if you intend to contest the adoption with the Second Judicial District Court, 400 Lomas Blvd. NW, Albuquerque, New Mexico 87102. Your failure to so respond shall be treated as a default and your consent to the adoption shall not be required.

Respectfully submitted, TRUJILLO DODD, TORRES, O’BRIEN, SANCHEZ, LLC.

/s/ Donna Trujillo

By: Donna Trujillo, For the Firm

Attorneys for Petitioner 507 Roma Ave. NW Albuquerque, New Mexico 87102

Telephone: (505) 245-7200

HCS Pub. April 7, 14, 21, 2023

PROBATE

STATE OF NEW MEXICO IN THE PROBATE COURT COUNTY OF BERNALILLO

No. 2022-1250 IN THE MATTER OF THE ESTATE OF MELVYN D. BARON, deceased

NOTICE TO CREDITORS

NOTICE IS HERE BY GIVEN that the undersigned has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred.

Claims must be presented either to the undersigned personal representative at the address listed below, or filed with the Probate Court of Bernalillo County, New Mexico, located at the following address: 1 Civic Plaza NW, Suite 6, Albuquerque, New Mexico 87102.

Dated: March 29, 2023

/s/ Christy A. Baron Christy A. Baron

Personal Representative 438 Poinsettia Pl SE Albuquerque, New Mexico 87123

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE PROBATE COURT

Probate No. 2023 0333 IN THE MATTER OF THE ESTATE OF VICTOR ERICH HEUSINGER, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate.

All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred.

Claims must be presented either to the undersigned personal representative at 3500 Comanche NE, Building B, Albuquerque, New Mexico 87107 or filed with the Probate Court, 415 Silver AVE SW, Albuquerque, NM 87102.

/s/ Victor Heusinger

VICTOR HEUSINGER Personal Representative of the Estate of VICTOR ERICH HEUSINGER, deceased

/s/ John A. Budagher III

John A. Budagher III BUDAGHER & TANN 3500 Comanche NE, Bldg. B Albuquerque, NM 87107

T: (505) 881 – 9060

F: (505) 881 – 7003

E: johniii@budagherlaw.com

Attorneys for Personal

Representative

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE SECOND JUDICIAL DISTRICT COURT CAUSE NO. D-202PB-2023-00172

IN THE MATTER OF THE ESTATE OF MARGARET L. ZARN, Deceased.

NOTICE TO KNOWN CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned have been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or the date of mailing or the delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative at the address listed below, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Albuquerque, New Mexico.

Dated: March 30, 2023

/s/ Ellsworth Peder Jensen, Jr. Ellsworth Peder Jensen, Jr.

/s/ William J. Lock WILLIAM J. LOCK Attorney for Personal Representative 5732 Osuna Road NE Albuquerque, NM 87109 (505) 880-1200 Voice (505) 881-2444 Fax

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO IN THE PROBATE COURT BERNALILLO COUNTY NO. 2023-0254

IN THE MATTER OF THE ESTATE OF CHRISTOPHER P. McINTYRE, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred.

Claims must be presented either to the undersigned personal representative at the address listed below, or filed with the Probate Court of Bernalillo County, New Mexico, located at the following address: 415 Silver Ave. SW, Suite 2C04, Albuquerque, NM, 87102.

Dated: March 31, 2023

/s/ Virginia McIntyre

Virginia McIntyre

Personal Representative 6419 Turnberry Ln NE Albuquerque, NM 87111

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO IN THE PROBATE COURT COUNTY OF BERNALILLO No. 2023 0351 IN THE MATTER OF THE ESTATE OF TOMMY WAYNE DOWELL, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal

representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative c/o Thomas Smidt II, Smidt, Reist & Keleher, P.C., 4811A Hardware Drive NE, Suite 4, Albuquerque, New Mexico 87109, or filed with the Bernalillo County Court of Wills, Estates and Probate, located at the following address: 415 Silver Ave SW, 2nd Floor, Albuquerque, NM 87102.

Dated: March 22, 2023

/s/ Anthony E. Lamanna

Anthony E. Lamanna, Personal Representative of the Estate of TOMMY WAYNE DOWELL 8122 Desert Poppy Lane NE Albuquerque, NM 87122 (505) 205-8822

Submitted by: SMIDT, REIST & KELEHER, P.C.

By: /s/ Thomas Smidt II

Thomas Smidt II Attorney for Personal Representative 4811A Hardware Drive NE, Suite 4 Albuquerque, NM 87109 (505) 830-2200 tsmidt2@srklawnm.com

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT Case No. D-202PB-2022-00931 IN THE MATIER OF THE ESTATE OF GENARO J. JARAMILLO, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed as Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the last publication of this Notice or their claims will be forever barred. Claims must be presented either to Mark A. Jaramillo, Personal Representative, c/o the Law Office of Benjamin Hancock, One Towne Centre, 6121 Indian School Road NE, Suite 206, Albuquerque, NM 87110, or filed with the Second Judicial District Court of Bernalillo County, New Mexico.

DATED: April 3, 2023

/s/ Mark A. Jaramillo

Personal Representative

Prepared by: LAW OFFICE OF BENJAMIN HANCOCK, P.C.

/s/ Benjamin Hancock 6121 Indian School Road NE, Suite 206 Albuquerque, NM 87110 505-508-4343 ben@benhancocklaw.com

Attorney for Mark A. Jaramillo

HCS Pub. April 7, 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2020-00462 IN THE MATTER OF THE ESTATE OF MARGARET GRACE MARTINEZ, DECEASED.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required

to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative, c/o Sapien Law, LLC, Attn: Joseph A. Sapien, Esq., P.O. Box 25523, Albuquerque, NM 87125 or filed with the District Court of Bernalillo County, New Mexico, 400 Lomas Blvd. NW, Albuquerque, NM 87102.

Dated: 3/16/2023

By: /s/ John Martinez

John Martinez

Attorney Identification: Sapien Law, LLC

Joseph A. Sapien

Attorney for John Martinez

P.O. Box 25523

Albuquerque, NM 87125

T: (505) 842-5979

F: (505) 842-6002

E: jsapien@sapienlaw.com

HCS Pub. April 7, 14, 21, 2023

SECOND JUDICIAL DISTRICT COURT

COUNTY OF BERNALILLO

STATE OF NEW MEXICO

No. D-202-PB-2023-00225

IN THE MATTER OF THE ESTATE OF BERNICE ANNETTE

NAVARRETTE, Deceased NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that William Eathem Austin has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or within sixty days after the mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the Personal Representative at 8801 Horizon Blvd. NE, Suite 340, Albuquerque, New Mexico 87113, or filed with the Bernalillo County District Court.

DATED: March 29, 2023

/s/ Gary D. Eisenberg Gary D. Eisenberg BETZER, ROYBAL & EISENBERG LLC

Attorneys for Personal Representatives 8801 Horizon Blvd. NE, Suite 340 Albuquerque, NM 87113 Telephone: (505) 797-0105

HCS Pub. April 7, 14, 21, 2023 STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE PROBATE COURT

Probate No. 2023-0032

IN THE MATTER OF THE ESTATE OF JOHN DILEANIS, DECEASED NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within two months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to Samantha Finlayson, Attorney for the Personal Representative of the Estate of JOHN DILEANIS, at SWAIM, CARLOW & AMES, 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the probate Court, Bernalillo County Courthouse, 415 Silver Ave. SW, 2nd Floor Albuquerque, NM 87102.

Dated: March 8, 2023

/s/ Danna Rhodes DANNA RHODES

Personal Representative

SWAIM, CARLOW & AMES

By: Samantha Finlayson

Samantha Finlayson

Arrorneys for the Personal Representative of the Estate of JOHN DILEANIS, Deceased 4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111 (505) 237-0064

HCS Pub. April 7, 14, 21, 2023

SECOND JUDICIAL DISTRICT COURT

County of BERNALILLO State of New Mexico No. D-202-PB-2023-00223

In the Matter of the Estate of NANCY LOUISE SPEIS, deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that Susan A. Brown and Jane M. Brantley have been appointed Co-Personal Representatives of the Estate. All persons having claims against this Estate are required to present their claim within four (4) months after the date of the first publication of this Notice or sixty (60) days after the date of mailing or other delivery notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned attorney for the Co-Personal Representatives or filed with the Second Judicial District Court, 400 Lomas Blvd., NW, Albuquerque, New Mexico 87102.

DATED: April 4, 2023.

Respectfully Submitted: Aldridge, Hammar & Wexler, P.A.

By: /s/ Sarah E. McLain Sarah E. McLain

Attorneys for Co-Personal Representatives

1212 Pennsylvania NE Albuquerque, NM 87110 (505) 266-8787 smclain@ABQLawNM.com

HCS Pub. April 7, 14, 21, 2023

SECOND JUDICIAL DISTRICT COURT

COUNTY OF BERNALILLO STATE OF NEW MEXICO NO. D-202-PB-2023-00214 IN THE MATTER OF THE ESTATE OF MARY ANN MUNOS, DECEASED.

NOTICE OF HEARING BY PUBLICATION

TO: UNKNOWN HEIRS OF MARY ANN MUNOS, DECEASED, AND ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE OF MARY ANN MUNOS, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING. Hearing on the petition filed by the undersigned, which petition requests the appointment of Donna Bernal as personal representative of the estate of the decedent and for formal probate of the decedent’s will, will be held telephonically (1-800-7475150, access code 8460123) on May 9, 2023 at 9:45 a.m. for thirty (30) minutes, before the Honorable Lisa Chavez-Ortega. Pursuant to NMSA-1978 § 45-1-401, notice of the time and place of hearing on said Petition is hereby given you by publication, once each week for three consecutive weeks.

DATED: April 5, 2023.

/s/ Gaelle D. McConnell

Gaelle McConnell P.C.

Gaelle D. McConnell, Attorney for Applicant

6100 Indian School Rd. NE, Suite 201

Albuquerque, NM 87110 505-254-0600

HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO IN THE SECOND JUDICIAL DISTRICT COURT CAUSE NO. D-202PB-2023-00239

IN THE MATTER OF THE ESTATE OF WAYNE M. McMURTRY, Deceased.

NOTICE TO KNOWN CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or the date of mailing or the delivery of this notice, whichever is later, or the claims will be forever barred.

Claims must be presented either to the undersigned Personal Representative at the address listed below, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Albuquerque, New Mexico.

Dated: April.5, 2023

/s/ Suzanne J. McMurtry

SUZANNE J. McMURTRY, Applicant /s/ William J. Lock

WILLIAM J. LOCK

Attorney for Applicant

5732 Osuna Road NE

Albuquerque, NM 87109

(505) 880-1200

Voice

(505) 881-2444 Fax

HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

NO. D-202-PB-2023-00237

IN THE MATTER OF THE ESTATE OF JOHNNY BEE

TURNER,DECEASED

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned have been appointed Co Personal Representatives of this Estate. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to Peter J. Armijo, Attorney for the Estate of JOHNNY

BEE TURNER (also known as JOHN B. TURNER, and formerly known as JOHNNIE B. LOVE), at SWAIM CARLOW & AMES, P.C., 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Post Office Box 488, Albuquerque, New Mexico 87103.

Dated: March 23, 2023.

/s/ Lois Lynn Schneider

LOIS LYNN SCHNEIDER, Co-Personal Representative

/s/ Derek Hayden Cresto

DEREK HAYDEN CRESTO, Co-Personal Representative SWAIM CARLOW & AMES, P.C.

By: /s/ Peter J.Armijo

Peter J.Armijo

Attorneys for the Co-Personal Representatives of the Estate of JOHNNY BEE

TURNER, Deceased

4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111

(505) 237-0064

HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT NO. D-202-PB-2023-00257

IN THE MATTER OF THE ESTATE OF RICHARD DARREL GUSTIN, DECEASED

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate.

All persons having claims against this Estate are required to present their claims within

two months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to Samantha R. Finlayson, attorney for the Personal Representative of the Estate of RICHARD DARREL

GUSTIN, at SWAIM CARLOW & AMES, P.C., 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Post Office Box 488, Albuquerque, New Mexico 87103.

Dated: 3 /30, 2023

/s/ Robert Gustin ROBERT GUSTIN

Personal Representative

SWAIM CARLOW & AMES, P.C.

By: /s/ Samantha R. Finlayson Samantha R. Finlayson Attorneys for the Personal Representative of the Estate of RICHARD DARREL GUSTIN, Deceased 4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111 (505) 237-0064

HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO IN THE PROBATE COURT BERNALILLO COUNTY NO. 20230294 IN THE MATTER OF THE ESTATE OF PATRICIA ALEINE WESTON, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that Eldon Gene Billie has been appointed personal representative of this estate. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at the address listed below, or filed with the Probate Court of Bernalillo County, New Mexico, located at the following address: Bernalillo County Probate Court 415 Silver Ave SW - Suite 2C04 Albuquerque, New Mexico 87102 USA

Dated: April 06, 2023.

/s/ Personal Representative

Eldon Gene Billie 1612 Cardenas Drive NE Albuquerque, New Mexico 87110

(505) 489-3666

HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO IN THE SECOND JUDICIAL DISTRICT COURT CAUSE NO. D-202PB-2023-00240

IN THE MATTER OF THE ESTATE OF SUSAN MICHELLE JENNINGS, Deceased.

NOTICE TO KNOWN CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or the date of mailing or the delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative at the address listed below, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Albuquerque, New Mexico.

Dated: April 10, 2023 /s/ Charles Thomas Jennings, III

CHARLES THOMAS

JENNINGS, III

/s/ William J. Lock

WILLIAM J. LOCK

Attorney for Applicant

5732 Osuna Road NE Albuquerque, NM 87109 (505) 880-1200 Voice (505) 881-2444 Fax HCS Pub. April 14, 21, 28, 2023

STATE OF NEW MEXICO

COUNTY OF TORRANCE

SEVENTH JUDICIAL DISTRICT COURT No. D-722-PB-2023-00011 IN THE MATTER OF THE ESTATE OF JOSEPH ROYAL DORADO, DECEASED.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that Seanpaul Royal Dorado has been appointed Personal Representative of the Estate of Decedent. All persons having claims against the Estate of Decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors, or the claims will be forever barred. Claims must be either be presented to Personal Representative, c/o The Law Offices of Erika

E. Anderson, 105 Bryn Mawr Drive SE Albuquerque, New Mexico 87106, or filed with the Seventh Judicial District Court located at 903 N. 5th Street, Estancia, New Mexico 87016.

PREPARED BY:

LAW OFFICES OF ERIKA E. ANDERSON

By: /s/ Erika E. Anderson

Erika E. Anderson

Mitchel J. Olson

105 Byrn Mawr Dr. SE Albuquerque, NM 87106 Telephone: (505) 944-9039 erika@eandersonlaw.com mitchel@eandersonlaw.com

Attorney for Personal Representative

HCS Pub. April 21, 28, May 5, 2023

SECOND JUDICIAL DISTRICT COURT

COUNTY OF BERNALILLO STATE OF NEW MEXICO

Cause No.: D-202PB-2022-00785 IN THE MATTER OF THE ESTATE OF TIMOTHY GENE GOLICH, Deceased.

NOTICE OF HEARING BY PUBLICATION

THE STATE OF NEW MEXICO:

TO: UNKNOWN HEIRS OF TIMOTHY GENE GOLICH, DECEASED AND ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE OF TIMOTHY GENE GOLICH, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING.

Hearing on the Petition filed by KIMBERLY KAY GOLICH the Personal Representative of the estate of TIMOTHY GENE GOLICH, deceased, which

Petition provides for the complete settlement of the estate, waiver of the Personal Representative’s final account and report, and authorization for distribution of all estate assets, will be held Telephonic before the Honorable Judge Denise Barela-Shepherd on May 11, 2023, at 10:10 a.m.

Pursuant to NMSA 1978, Section 45-1-401, notice of the time and place of hearing on said Petition is hereby given you by publication, once each week, for three consecutive weeks.

Witness our hands and the seal of this Court.

DATE: 4/13/2023

KATINA WATSON

Clerk of the District Court

By /s/ Dawna Jarvis Deputy

AHR LAW OFFICES, P.C.

By: /s/ Lewis J. Terr

Lewis J. Terr, Esq.

Attorneys for the Estate of TIMOTHY GENE GOLICH

6707 Academy Road NESuite A

Albuquerque NM 87109

Telephone: (505) 821-5122

Fax: (505) 821-6868

HCS Pub. April 21, 28, May 5, 2023

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

No. D-202-PB-2023-00152

In the Matter of the ESTATE OF AGNES M. WALKER, Deceased.

NOTICE OF HEARING

The Honorable Elaine P. Lujan will hear the matter in the above cause as follows: Matter to be heard: Petition for Appointment Of Personal Representative Under NMSA 1978 §45-3-108(A)(4)

Place of Hearing: Please call 800/747-5150, enter access code: 3650816

Date of Hearing: May 23, 2023

Time of Hearing: 9:00 a.m.

Length of Hearing: Thirty (30)

minutes

BY: Charlene Montoya

TCAA to Judge Elaine Lujan

HCS Pub. April 21, 28, May 5, 2023

SECOND JUDICIAL DISTRICT COURT

COUNTY OF BERNALILLO

STATE OF NEW MEXICO

No. D-202-PB-2023-00199

IN THE MATTER OF THE ESTATE OF HARRY E. DAVIS, JR., deceased.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN that Christine Davis Ekman has been appointed Personal Representative of the Estate. All persons having claims against this Estate are required to present their claim within four (4) months after the date of the first publication of this Notice or sixty (60) days after the date of mailing or other delivery notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned attorney for the Personal Representative or filed with the Second Judicial District Court, 400 Lomas Blvd., NW, Albuquerque, New Mexico 87102. DATED: April 13, 2023.

Respectfully Submitted: Aldridge, Hammar & Wexler, P.A.

By: /s/ Allison Block-Chavez Allison Block-Chavez Attorneys for the Personal Representative 1212 Pennsylvania NE Albuquerque, NM 87110 (505) 266-8787 ablockchavez@ABQLawNM. com

HCS Pub. April 21, 28, May 5, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2023-00279

In the Matter of the Estate of MARJORIE L. BENDER, Deceased NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to David A. Finlayson, attorney for the estate of MARJORIE L. BENDER, at

FINLAYSON LAW FIRM, PC, 7301 Jefferson Street NE, Suite F, Albuquerque, NM 87109, or filed with the Second Judicial District Court, Bernalillo County Courthouse, 400 Lomas Blvd NW, Albuquerque, NM 87102.

Dated: April 13, 2023

HERITAGE TRUST COMPANY OF NEW MEXICO

By: /s/ Daniel T. Montoya

Daniel T. Montoya, its President

FINLAYSON LAW FIRM, PC

By: /s/ David A. Finlayson

David A. Finlayson Attorney for the Personal Representative of the Estate of MARJORIE L. BENDER, Deceased 7301 Jefferson Street NE, Suite F Albuquerque, NM 87109 (505) 373-3500

HCS Pub. April 21, 28, May 5, 2023

STATE OF NEW MEXICO IN THE PROBATE COURT

BERNALILLO COUNTY No. 2023-0398 IN THE MATTER OF THE ESTATE OF CAROL CHRISTOPHER TAPPAN, Deceased.

NOTICE TO CREDITORS

NOTICE IS HEREBY GIVEN the undersigned has been appointed

Personal Representative of the Estate of Carol Christopher Tappan, Deceased. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the first publication of this Notice or the claims will be forever barred. Claims must either be presented to the Personal Representative, c/o Pregenzer Baysinger Wideman & Sale, PC, 2424 Louisiana Boulevard NE, Suite 200, Albuquerque, New Mexico 87110, or filed with the Second Judicial District Court, Bernalillo County, 400 Lomas Blvd NW, Albuquerque, New Mexico 87102.

Dated: April 18, 2023.

/s/ Alexander Smith Tappan Alexander Smith Tappan 708 Morningside Drive NE Albuquerque, NM 87110 (505) 506-7422

Personal Representative PREGENZER BAYSINGER WIDEMAN & SALE, PC

By: /s/ Erin E. Wideman Erin E. Wideman 2424 Louisiana Blvd NE, Suite 200 Albuquerque, NM 87110

Phone: 505-872-0505

Fax: 505-872-1009 ewideman@pbwslaw.com

Attorneys for Personal Representative HCS Pub. April 21, 28, May 5, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO IN THE SECOND JUDICIAL DISTRICT COURT CAUSE NO. D-202PB-2023-00278

IN THE MATTER OF THE ESTATE OF VIVIAN L. POWERS.

Deceased.

NOTICE TO KNOWN CREDITORS

NOTICE IS HEREBY GIVEN that the undersigned have been appointed Personal Representative of this Estate. All persons having claims against this Estate are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or the date of mailing or the delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative at the address listed below, or filed with the Second Judicial District Court,

Bernalillo County Courthouse, Albuquerque, New Mexico.

Dated: April 18, 2023

/s/ Christy J. Cunico

Christy J. Cunico

Personal Representative

/s/ William J. Lock

WILLIAM J. LOCK

Attorney for Personal Representative

5732 Osuna Road NE Albuquerque, NM 87109 (505) 880-1200 Voice (505) 881-2444 Fax HCS Pub. April 21, 28, May 5, 2023

NAME CHANGE STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. CV 2023 02058 IN THE MATTER OF THE PETITION OF Kaitlin Clare Durham FOR CHANGE OF NAME NOTICE OF PETITION TO CHANGE NAME (ADULT)

NOTICE IS HEREBY GIVEN that Kaitlin Clare Durham, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:

Current Name

Kaitlin Clare Durham

Proposed Name Karson Clare Durham

This Petition will be heard before the Honorable DENISE BARELA SHEPHERD, District Judge, on the 26 day of April 2023, at the hour of 1:20 pm, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico. Respectfully submitted, /s/ Kaitlin Clare Durham

Kaitlin Clare Durham HCS Pub. April 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-CV 2023 2457 IN THE MATTER OF THE PETITION OF Kenzie Faith Snoeberger FOR CHANGE OF NAME

NOTICE OF PETITION TO CHANGE NAME (ADULT)

NOTICE IS HEREBY GIVEN that Kenzie Faith Snoeberger, Resident of the City of Sandia Park, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:

Current Name

Kenzie Faith Snoeberger

Proposed Name

Kenzie Faith Gainey

This Petition will be heard before the Honorable DANIEL E. RAMCZYK, District Judge, on the 4th day of May 2023, at the hour of 9:00 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico. **TELEPHONIC-PARTIES

ARE DIRECTED TO CALL 1-800-747-5150 AND ENTER ACCESS CODE 4340781 AT THE TIME OF THE HEARING**

Respectfully submitted,

/s/ Kenzie Snoeberger

Kenzie Faith Snoeberger HCS Pub. April 14, 21, 2023

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-CV 2023 02458 IN THE MATTER OF THE PETITION OF Roxanne Marie Santillanes FOR CHANGE OF NAME

Christina Rae Hardage, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:

Current Name

Christina Rae Hardage

Proposed Name

Christina Teresa Martinez

This Petition will be heard before the Honorable JUDGE

ERIN B. O’CONNELL, District Judge, on the 23rd day of May, 2023, at the hour of 11:10 am, This hearing will be held telephonically. Please call 800-747-5150 and enter code 9254116. Please call five minutes before your start time.

Respectfully submitted,

/s/ Christina Hardage

Christina Hardage

HCS Pub. April 21, 28, 2023

STORAGE AUCTIONS

NOTICE OF PUBLIC SALE

Notice is hereby given that the following property shall be sold at public auction or otherwise disposed of, in satisfaction of lien, in accordance with the New Mexico Self Storage Lien Act. To be held over the internet at storagetreasures.com

By DISCOUNT SELF

STORAGE

5395 Bataan Memorial W LAS CRUCES, NM 88012

575 541-5760

BEGINNING ON TUESDAY, MAY 2ND, 2023 AT 10 A.M.

AND ENDING ON FRIDAY, MAY 5TH, 2023 AT 10 A.M.

THE ENTIRE CONTENTS OF STORAGE UNIT: 502

Tenant address is “last known.”

Unit 502

MELINDA SALAS

12899 Central Ave NE #348 Albuquerque NM 87123

Unit items consist of: Toys, furniture, boxes, mattresses HCS Pub. April 14, 21, 2023

NEW MEXICO STOR-N-LOCK

220 ISLETA BOULEVARD S W ALBUQUERQUE, NM 87105 (505) 877-8088

TO WHOM IT MAY CONCERN:

Notice is hereby given Pursuant to New Mexico Statutes Sec. 48-3-14 seq. that the following goods will be sold at 220 Isleta Blvd. SW, Albuquerque, NM April 29, 2023, at 10:00 AM to satisfy the lien claimed by New Mexico Stor-N-Lock, together with all cost of the sale. Patrick Triana, 2417 Meadow Rd SW, Albuquerque, NM 87105. Unit B23/24, $350.00, Miscellaneous

New Mexico Stor-N-Lock may withdraw any of the above items from the sale at any time without prior notice. HCS Pub. April 14, 21, 2023

NOTICE OF PUBLIC AUCTION:

Lien Sale will be held for StorWise Self Storage Carmel, 5604 Carmel Ave NE Albuquerque, NM 87113 online at storagetreasures.com starting on 4/27/23 and ending on 5/8/23 at 5 p.m. Auction:

UNIT b06Pirtle, Louise-Angela, 616 arno Albuquerque, NM 87102: Household goods UNIT b04 Pirtle, Louise-Angela, 616 arno Albuquerque, NM 87102: Household goods

All goods are sold as is and must be removed within 72 hours of purchase. Sale is subject to adjournment.

HCS Pub. April 21, 28, 2023

Sedillo Self Storage, 1275 NM 333, Tijeras, NM 87059, (505) 281-2328, pursuant to the Self Storage Lien Act effective 7/87, will sell the following units at public auction to satisfy the Landlord’s Lien on Wednesday May 3, 2023 at 6:00pm at www. albuquerqueauctionaddiction. com. Visit website to register to bid and get more information.

Unit 702 - Donovan Milam, 3 Richard Rd , Edgewood, NM 87015, safe, furniture, household misc. HCS Pub. April 21, 28, 2023

Auction of household goods for unpaid storage rent by Kurri Adekai, ABQ, NM, at Economy Storage, 10308 Candelaria Rd NE, ABQ, NM 87112 at 10:00 a.m. Saturday, May 6, 2023.

HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart 7440 Central Ave SE, Albuquerque, NM 87108 to satisfy a lien on May 9th 2023 at approx. 12:00PM at www.storagetreasures.com

F24 Helen Dennett 237 Pennsylvania St NE Apt A, Albuquerque, NM 87108

H14 Timothy Vandever 1009 Polamas SE Apt A, Albuquerque, NM 87108

D16 Charles Garcia 9600 Central Ave. SW Trlr 49, Albuquerque, NM 87121

H166 Billie Reed 315 Wisconsin, Albuquerque, NM 87108

E29 Mariah Withers 1215 San Mateo Blvd SE, Albuquerque, NM 87108

D20 Vanessa Gutierrez 1522Altez St NE, Albuquerque, NM 87112

F3 Donna Sanchez 116 Dallas SE Apt C, Albuquerque, NM 87108

G45 Sharlene Flowers 5328 Montgomery Blvd NE, # 6101, Albuquerque, NM 87109

H133 Lenny Freer 412 Chama St NE, Albuquerque, NM 87108

H2 Candice Serrano 301

Rhode Island St SE, APT B, Albuquerque, NM 87108

H28 Diana R. Garcia 4338 Globe Ave., Culver City, CA 90230

HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart 4100 Central Ave SE, Albuquerque, NM 87108 to satisfy a lien on May 9, 2023, at approx. 1pm at www.storagetreasures.com

4166 Tara Smith 3904 Central AVE SE, Albuquerque, NM 87108

3130 Jonathan P Horse

4100 Silver Ave SE, Apt 216, Albuquerque, NJ 87108

4242 Ashlee A Goodloe 316 Grove Street NE, Unit D, Albuquerque, NM 87108

4192 Travis York 920 Louisiana Blvd SE APT 83, Albuquerque, NM 87108

3025 Raquel Raby 7062

W. Springfield Way, Florence, AZ 85132

3003 Chenoa Cunningham 3924 3rd St NW , Albuquerque , NM 87107

HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE

Self-Storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart, 11801 Montgomery Blvd NE, Albuquerque, NM 87111 to satisfy a lien on May 10, 2023 at approx. 11:30 AM at www.storagetreasures.com

E25, Sonya Simmons, 1201 3rd St NW, Albuquerque, NM 87102

D65, SUSAN L SMITH, P.O. Box 23264,

ALBUQUERQUE, NM 87192

D66, SUSAN L SMITH, P.O. Box 23264, ALBUQUERQUE, NM 87192

D67, SUSAN L SMITH, P.O. Box 23264, ALBUQUERQUE, NM 87192

D71, SUSAN L SMITH, P.O. Box 23264, ALBUQUERQUE, NM 87192

HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE

Self-Storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart, 4800 Jefferson St, NE Albuquerque, NM 87109 to satisfy a lien on May 9 , 2023 at approx. 2:00 PM at www.storagetreasures.com.

339- Manuel Brito 4027 Montgomery Blvd NE, Apt G13, Albuquerque, NM 87109.

324- Jeremy Jones 7204 via contenta, Albuquerque, NM 7113.

71- Shawndean Platero 3956 Montgomery BLVD NE Apt 150, Albuquerque, NM 87109.

6- Darlen Horndeagle P.O Box 80771, Albuquerque, NM 87198. HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart 2001 Girard Blvd SE, Albuquerque, NM 87106 to satisfy a lien on May 9th, 2023, at approx. 11am at www.storagetreasures.com

A78 Irene Entila 2219 Lead Ave Se, Albuquerque, NM 87106

C68 Summer Amo 622 East North ST, Manteca, CA 95336

H15 Darice D Tindell 3713 South Walden Way, Aurora, CO 80013

H15 Darice D Tindell 3713 S. Walden Way, Aurora, CO 80013

H52 Francisco Madrid 4615 La Vida Neuva Del Norte SW, Albuquerque, NM 87105 HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart 720 1st Street NW, Albuquerque, NM 87102 to satisfy a lien on May 10, 2023, at approx. 2:30pm at www.storagetreasures.com

B08 Gabrielle Newton 195 guy dr, Oklahoma City, OK 73110

D18 Richard Baca 2025 Rio grande Blvd, Albuquerque, NM 87104

E06 Richard Baca 1500 Central SW unit 311, Albuquerque, NM 87104

F72 Lora Hanson Po Box 744, Ruidoso, NM 88355 HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart, 306 Menaul Blvd NE, Albuquerque, NM to satisfy a lien on May 9, 2023 at approx. 1:30 PM at www.storagetreasures.com:

C18 Diana Torres, 3621 Cherokee Rd N.e, Albuquerque, NM 87110.

C36 Aubrey Sarracino, 8 Hunters Run Rd , New Laguna, NM 87038. C48 Janet Marquez, 3014 Morningside DR NE, Albuquerque, NM 87110.

D12 Paul D Schwab, 550 E. 105th st., 302, Kansas City ,MO 64131.

P21 Douglas Meagher, 1118 Fruit NW, Albuquerque, NM 87102. HCS Pub. April 21, 28, 2023

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart, 100 Mescalero Rd NW, Albuquerque, NM

87107 to satisfy a lien on May 9, 2023 at approx. 12:30 PM at www.storagetreasures.com: M2 William Lujan, 7200 Montgomery Blvd. NE, Albuquerque, NM 87109. HCS Pub. April 21, 28, 2023

“Notice of Public Auction. The following property will be sold at public auction, in accordance with the Self-Service Storage Lien Act [48-11-1 to 4811-9 NMSA 1978] to satisfy the lien of the owner, on Thursday May 11, 2023 at 9:00 am. Personal property described and belonging to those individuals listed below will be advertised for bidding at www.lockerfox. com. RightSpace Storage - San Mateo, 5220 San Mateo Blvd NE , Albuquerque, NM, 87109 152 - Kyle Stephens, 4716 Ponderosa Ave, AlbQUERQUE, nm, 87110, Milk crates, totes, bags, table, cooler, blankets, appliances, tarps, stools, dog door, dream catcher, clothes, pots, pans The auction will be listed and advertised on www.lockerfox. com. Purchases must be made with DEBIT or CREDIT CARD, CERTIFIED CHECK or MONEY ORDER ONLY and paid at the above referenced facility in order to complete the transaction.” HCS Pub. April 21, 28, 2023

“Notice of Public Auction. The following property will be sold at public auction, in accordance with the SelfService Storage Lien Act [4811-1 to 48-11-9 NMSA 1978] to satisfy the lien of the owner, on Thursday May 11, 2023 at 9:00 am. Personal property described and belonging to those individuals listed below will be advertised for bidding at www.lockerfox.com. RightSpace Storage - Pan America, 4620 Pan American Freeway , Albuquerque, NM, 87109 8 - Jon Carlisle, 2711 Monterey Ave SE, ALBUQUERQUE, NM, 87106, tool chest, tools, books, shelf, toys, crates, foam mattress, and bed frame G45 - Tylor R Torres, 144 Velarde RD NW, Albuquerque, NM, 87107, floor buffer/ cleaner, portable ac/ heater, exercise equipment, couch, furniture, cookware, boxes, mini fridge, kids toys C01 - Steven Zirwas, 3409 Alta Monte Ave NE Apt D, Albuquerque, NM, 87107, Air fryer, kitchen ware, tool box, weights, glass table, totes, metal shelf The auction will be listed and advertised on www.lockerfox. com. Purchases must be made with DEBIT or CREDIT CARD, CERTIFIED CHECK or MONEY ORDER ONLY and paid at the above referenced facility in order to complete the transaction.” HCS Pub. April 21, 28, 2023

“Notice of Public Auction. The following property will be sold at public auction, in accordance with the Self-Service Storage Lien Act [48-11-1 to 4811-9 NMSA 1978] to satisfy the lien of the owner, on Thursday May 11, 2023 at 9:00 am. Personal property described and belonging to those individuals listed below will be advertised for bidding at www.lockerfox. com. RightSpace StorageEubank, 4801 Eubank Blvd NE , Albuquerque, NM, 87111 27010 - Jonathan D Hughes, 12145 State Hwy 14 N TRLR P1, Cedar Crest, NM, 87008, Misc items, bag, suitcases, shoes The auction will be listed and advertised on www.lockerfox. com. Purchases must be made with DEBIT or CREDIT CARD, CERTIFIED CHECK or MONEY ORDER ONLY and paid at the

above referenced facility in order to complete the transaction.”

HCS Pub. April 21, 28, 2023

“Notice of Public Auction. The following property will be sold at public auction, in accordance with the Self-Service Storage Lien Act [48-11-1 to 4811-9 NMSA 1978] to satisfy the lien of the owner, on Thursday May 11, 2023 at 9:00 am. Personal property described and belonging to those individuals listed below will be advertised for bidding at www.lockerfox. com. RightSpace StorageCoors, 2559 Coors Blvd NW , Albuquerque, NM, 87120 O82 - Freddie Ramirez, 8805 Palomar Ave NE, Albuquerque, NM, 87109, Furniture, Mattress, Fishing equipment, boxes, bags I93 - Mikayla Gonzales, 8035 Stonybrook Pl NW, Albuquerque, NM, 87120, Boxes, totes,guitar E21 - CHERYL K CARGILE, 6048 KILMER NW, Albuquerque, NM, 87120, Trunk, boxes, bags, furniture S21 - Sanantha Adekai, 9301 Volcano Rd. NW Lot 170, Albuqeruque, NM, 87121, Bikes, toys, boxes, totes, computer, tv, table, china hutch, trash bags, furniture N03 - Lexus Garcia, 8401 spain rd ne apt 2a, Albuquerque, NM, 87111, Mattress, couch, desk, grill, toys, boxes, wire animal crate, end table The auction will be listed and advertised on www.lockerfox. com. Purchases must be made with DEBIT or CREDIT CARD, CERTIFIED CHECK or MONEY ORDER ONLY and paid at the above referenced facility in order to complete the transaction.”

HCS Pub. April 21, 28, 2023

OTHER AUCTIONS

Notice of Public Sale

On May 25, 2023 at 10:00 o’clock in the morning and every 10 minuets thereafter until all cars are sold the undersigned will offer to sell or clear title to the lien holder on the following described motor vehicle(s) in order to satisfy labor and storage charges incurred against said vehicle(s).

2019 Honda Civic 4dr, VIN# 19XFC2F86KE025540, total amount of charges incurred, $1,802.65.

2019 Ram 1500 Classic PK, VIN# 1C6RR7TT8KS540853, total amount of charges incurred, $1,886.16.

At Knittle’s Towing Inc, 2412 Jefferson ST NE, Albuquerque, New Mexico 87110. Knittle’s Towing, Inc reserves the right to refuse any and all bids on said motor vehicle(s). Knittle’s Towing, Inc. also has the right to bid on any and all said vehicle(s).

HCS Pub. April 14, 21, 2023

NOTICE OF PUBLIC SALE

On June 20, 2023 at 10:30 AM the undersigned will offer to sell the following described motor vehicle in order to satisfy charges for towing, storage and/or labor charges incurred against same:

2021 Kayo K2 350 dirt bike

VIN# L6JYCNLC7M1000956.

Last known registered owner is Unknown. In the amount of $1812.36. Terms: Cash in hand at time of sale.

Dugger Services Inc. 7601 San Pedro NE, Albuquerque, NM 87109 (505)823-9696.

HCS Pub. April 14, 21, 2023

Notice of Public Sale

On June 30, 2023 at 10:00 o’clock in the morning and every 10 minuets thereafter until all cars are sold the undersigned will offer to sell or clear title to the lien holder on the following described motor vehicle(s) in order to

satisfy labor and storage charges incurred against said vehicle(s).

2017 Tao Scooter, VIN# L9NTELKD9H1052816, total amount of charges incurred, $ 2,383.43.

At Knittle’s Towing Inc, 2412 Jefferson ST NE, Albuquerque, New Mexico 87110. Knittle’s Towing, Inc reserves the right to refuse any and all bids on said motor vehicle(s). Knittle’s Towing, Inc. also has the right to bid on any and all said vehicle(s).

HCS Pub. April 14, 21, 2023

NOTICE OF PUBLIC SALE

On June 21, 2023 at 2:00 PM the undersigned will offer to sell the following described motor vehicle in order to satisfy charges for towing, storage and/or labor charges incurred against same:

1963 Jaguar XKE VIN 888862. No license plate. Last known registered owner is Unknown. In the amount of $8598.73.

Terms: Cash in hand at time of sale. A-Albuquerque Towing 305 Conchas ST SE Albuquerque, NM 87123 (505) 292-2880.

HCS Pub. April 14, 21, 2023

Notice of Public Sale

Notice of Public Sale

On June 21, 2023 at 08:30 am in the county of Bernalillo abd specifically at 109 Headingly Ave NW, Albuquerque NM 87107 the following vehicles will be sold to satisfy debt incurred. Terms cash in hand at time of auction.

1976 Ford Class C Motherhome vin# E37AH032964 Debt of $248.31 at date of submission for publication( debt will increase at the rate of $15.00 per day till 05:00pm (MDT) June 20, 2023

HCS Pub. April 21, 28, 2023

Notice of Public Sale

On June 21, 2023 at 08:30 am in the county of Bernalillo abd specifically at 109 Headingly Ave NW, Albuquerque NM 87107 the following vehicles will be sold to satisfy debt incurred. Terms cash in hand at time of auction.

2009 Baodiao Scooter Vin# L2BB2NCC9NB705133 Debt of $253.91 at date of submission for publication( debt will increase at the rate of $15.00 per day till 05:00pm (MDT) June 20, 2023

HCS Pub. April 21, 28, 2023

Notice of Public Sale

On JUNE 22, 2023 at 08:30 am in the county of Bernalillo abd specifically at 109 Headingly Ave NW, Albuquerque NM 87107 the following vehicles will be sold to satisfy debt incurred. Terms cash in hand at time of auction.

2006 FORD CROWN VICTORIA VIN# 2FAHP71WX6X100097

LICENSE PLATE # FGA4VC (FL) Debt of $497.76 at date of submission for publication (debt will increase at the rate of $15.00 per day till 05:00pm (MDT} JUNE 21, 2023

HCS Pub. April 21, 28, 2023

Notice of Public Sale

On June 2 , 2023 at 10:00 o’clock in the morning and every 10 minuets thereafter until all cars are sold the undersigned will offer to sell or clear title to the lien holder on the following described motor vehicle(s) in order to satisfy labor and storage charges incurred against said vehicle(s).

2020 Ford Explorer UT, VIN # 1FM5K8GC7LGA62551, total amount of charges incurred, $ 2,027.31.

At Knittle’s Towing Inc, 2412 Jefferson ST NE, Albuquerque, New Mexico 87110. Knittle’s Towing, Inc reserves the right to refuse any and all bids on said motor vehicle(s). Knittle’s Towing, Inc. also has the right to bid on any and all said vehicle(s).

HCS Pub. April 21, 28, 2023

There are Many Options Today to Become a Homeowner

Despiteincreased interest rates and inventory challenges, you can still be a homeowner this year.

Many first-time homebuyers may not realize that there are many ways to make home ownership happen, and not all of them involve a 20% down payment.

The need to put down 20% of the cost of a home is a general misconception according to Freedom Mortgage, a residential mortgage lender with experience originating conventional, FHA and VA loans. They are an independent, non-bank, full-service, residential lender whose mission is to expand opportunities for firsttime homebuyers, especially military personnel and consumers with low down payments.

One secret to securing a successful loan is to work with a loan officer who is experienced in the wide range of available home loans, especially those backed by the U.S. government. That way, homebuyers are aware of all potential financing opportunities and companies who offer those options. A good loan officer will walk you through the process and find a loan that works for your budget. Remember—even if your credit history is less than stellar, or if your resources for a down payment are limited, owning a home is still within reach.

Government-insured loans for first-time homebuyers that don’t require a 20% down payment include:

VA loans. If you are a Veteran—either active military or retired—you may be eligible for a VA purchase loan through the federal government with no

down payment.

FHA loans. A Federal Housing Administration (FHA) loan allows for lower rates, flexible credit terms, and low minimum down payments (approximately 3.5%). FHA loans are designed for individuals with lower credit scores (minimum 550) and can be used for refinancing, too.

USDA loans. United States Department of Agriculture (USDA) loans help people seeking to buy homes in rural (and some suburban) areas. USDA loans are not available everywhere, but they are an option in many states. Benefits include competitive interest rates and, in many cases, no down payments. USDA loans have no limits on the loan, and low mortgage guarantee fees. The minimum credit score is 620.

For homebuyers with good credit and finances, a conventional loan may be a good bet, because these loans allow you to finance a wider range of houses than other mortgage types do. Conventional loans also may allow you to borrow more money to finance a more expensive home.

The bottom line is that home ownership can—and should—be available to everyone. A lender such as Freedom Mortgage can help identify the best loan that lets you purchase a home sooner and start to build wealth through home equity.