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Tuesday, 18 April 2017 16:03

KKOB April 18

Working with a mortgage broker like Indigo Mortgage provides borrowers with many advantages. Ben Lucero discusses how a local broker can save you money on your loan or refinance.

Published in Radio
Tuesday, 24 January 2017 19:49

KKOB on January 24

It's a new year, and many interested in buying a home are starting to look at options. Ben Lucero of Indigo Mortgage discusses why now is a great time to pre-qualify for a mortgage loan.

Published in Radio
Tuesday, 11 October 2016 21:53

KKOB on October 11

Many homeowners are choosing to build rather than buy a new home. Ben Lucero of Indigo Mortgage has helped homeowners obtain construction loans for years. Listen as he shares tips on how to streamline the process.

Published in Radio
Tuesday, 08 December 2015 00:00

Paperwork Needed for Your Loan or Refinance

Preparing to purchase or refinance a home involves a large number of documents, and it can be difficult to remember them all. Here’s an overview so you can begin rounding up what you need before heading over to Indigo Mortgage.

You’ll be needing the two most recent years’ W-2s, two months of current pay stubs, and two years’ worth of full tax returns. If self-employed, both personal and business returns will be needed. If receiving pensions, VA benefits, or Social Security benefits, you’ll need the two most recent 1099s, and most recent award letter.

Listing your liquid assets is also part of the process. You’ll need your two most recent bank statements, and most recent IRA, 401k, or stock statements.

Refinancing requires a bit more information, including a current mortgage statement, proof of homeowner’s insurance, survey, and the note and mortgage on the current loan.

As you can see, there is a large number of documents, which is another reason it’s good to go with a local lender. You just bring in the stack of paperwork and we’ll make the copies for you, and walk you through all of the disclosures as you sign them, answering any questions as they arise.

At Indigo Mortgage, we have made it easy to download and print the lists of needed documents whether you’re looking to purchase, refinance, FHA Streamline, or FHA Refinance. We also have lists for VA loans.

Save time and effort by using these lists to acquire all the necessary paperwork before you come see us. See you soon!

Published in Blog
Tuesday, 01 December 2015 00:00

KKOB on December 1

Benefit of a Local Mortgage Company

Published in Radio
Tuesday, 01 December 2015 00:00

The Benefit of a Local Mortgage Company

Many out-of-state mortgage companies advertise how quickly they get pre-qualifications done. This may sound great to you when you’re shopping for a home loan, but once that pre-qualifying is done and the loan goes into application, you’ll likely never speak to the same person twice, if you get an actual person at all.

If there’s any type of glitch in the rushed process, who in these large, national companies is accountable when you need questions answered? What happens if they start missing deadlines? Mortgages are not meant to be put on a conveyor belt, and that’s what is happening with these big, out-of-state lenders.

With a truly local mortgage company, the borrower still gets their pre-qualifications done quickly, and will talk to the same person throughout the process, from application all the way to funding. That way, should any complications arise, the borrower gets quick responses from the person who is familiar with their loan.

Remember, just because a lender promises quick turnaround times and fast closings, it’s often just the opposite. Stay local, where you can talk with your mortgage person face-to-face in a comfortable office.

Published in Blog

From The Blog

  • Stay Local for Your Purchase +

    Finding and getting a mortgage is a lengthy process. Many national institutional lenders promote their fast pre-qualifications and ease of Read More
  • Come to Indigo Mortgage for Your Construction Loan +

    Building your own home instead of buying an existing home, allows homeowners a lot of flexibility. Building allows homeowners to Read More
  • Stay Local for Your Pre-Qualification +

    At Indigo Mortgage, we always advise borrowers to shop local when they’re looking to pre-qualify for a mortgage. Online lenders Read More
  • Aggressive and Dishonest Lenders +

    Many borrowers come to Indigo Mortgage and tell us that they are constantly bombarded with solicitations from large out-of-state lenders. Read More
  • Reverse Mortgage Education +

    Most seniors have seen the ads on television, received the emails or the postcards in the mail. Advertisements for reverse Read More
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