Thinking About Building a Home? With today’s competitive housing market and limited inventory, more and more New Mexicans are choosing to build their own homes rather than buy an existing one. But for many borrowers, the biggest question is: Where do I even start? Whether you’re just beginning to explore the idea or already deep

For many homebuyers, getting ready to purchase a home means saving for a down payment, organizing documents, and watching interest rates. But there is another cost quietly rising in the background—one that borrowers usually don’t discover until they are deep into the mortgage process. According to Ben Lucero, President of Indigo Mortgage in Albuquerque, the

Buying or refinancing a home is one of the biggest financial decisions you’ll ever make — and protecting your personal information during the process is crucial. At Indigo Mortgage in Albuquerque, NM, owner Ben Lucero has been educating borrowers for years about a hidden problem in the mortgage world: the sudden flood of calls, texts,

With talk of the Federal Reserve cutting rates, the mortgage market is heating up again. Borrowers across Albuquerque, Rio Rancho, and all of New Mexico are re-entering the market, hoping to secure the lowest mortgage rates available. But as Ben Lucero of Indigo Mortgage warns, not everything that glitters is gold. Sometimes that shiny object

When it comes to buying a home or refinancing your current mortgage, the choices can feel overwhelming. Should you work with your bank? Apply online with a national lender? Or choose a local mortgage broker who can shop around on your behalf? According to Ben Lucero, owner of Indigo Mortgage in Albuquerque, NM, borrowers who

With mortgage rates dropping once again, many Albuquerque, NM homeowners are considering refinancing or exploring new loan options. Whether you’re looking to lower your rate, shorten your term, or tap into home equity, being prepared for your mortgage inquiry can make the process smoother and ensure you receive the most accurate and competitive proposal. Ben

As mortgage rates begin to drop, many veterans are getting new offers in the mail or online encouraging them to refinance their VA home loan. But before you sign anything, it’s crucial to shop your mortgage around. Unfortunately, not every lender has your best interest in mind—and some are taking advantage of veterans through inflated

With mortgage rates finally beginning to drop and housing inventory remaining tight, many potential New Mexico homebuyers are stepping off the sidelines and making offers. In this kind of competitive real estate environment, having a pre-approval—not just a pre-qualification—can make all the difference. Pre-Approval vs. Pre-Qualification: What’s the Difference? A pre-qualification is an initial review

Recently, Rocket Mortgage has been making headlines with massive acquisitions. From buying Redfin Realty to acquiring Mr. Cooper, one of the country’s largest mortgage servicers, Rocket appears to be building an empire designed to control every stage of the homebuying process. On the surface, “bigger” might sound like “better.” But according to Ben Lucero of

Buying your first home is one of the most exciting milestones in life, but it can also be overwhelming. Studies show that many first-time home buyers feel completely unprepared for the mortgage process. In New Mexico, where housing markets are competitive and lending rules can feel confusing, preparation is key. That’s where Ben Lucero and