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Tuesday, 09 May 2017 21:52

KKOB on May 12

In this segment on KKOB, Ben Lucero disusses one of the major questions all shoppers should ask when looking for a mortgage loan, and why a low interest rate doesn't mean you're saving money!

Published in Radio
Monday, 10 April 2017 22:54

KKOB April 11

Today on KKOB, Ben Lucero discusses how shopping your mortgage around can potentially save you thousands of dollars on a veteran or FHA loan.

Published in Radio
Monday, 10 April 2017 22:46

Lender Credits Shop

At Indigo Mortgage, we always encourage borrowers to compare mortgage loans, shop around, and negotiate. No matter how far along in the process you are, it’s never too late. Even if you’ve prequalified with another lender, Indigo Mortgage can likely still help you save money on your mortgage loan.

One way that we can help veterans and FHA borrowers save money, is by providing lender credits. Lender credits are granted by Indigo Mortgage to help borrowers cover their closing costs. Lender credits can be especially beneficial for borrowers that do not have sufficient funds available for initial closing costs. If the lender you are working with does not offer lender credits, contact us, we can often find a way to provide them and assist you with your closing costs.

Many times, borrowers will come to Indigo Mortgage after prequalifying elsewhere. We are typically able to lower their rate by .5%, or match another lender’s rate and offer lender credits. We encourage all borrowers to shop around, and come to us for help with comparing mortgage options. Indigo Mortgage could help you save thousands of dollars!

Published in Blog
Monday, 13 February 2017 23:32

Not So Rocket Fast

Obtaining a mortgage is not like buying a pair of shoes from Amazon. We’ve all seen the commercials for a quick loan, promising that it only takes a few clicks to get approval. But it’s really not that simple. At Indigo Mortgage, we advise borrowers to be cautious of national lenders that advertise easy, quick, one-size-fits-all loans.

Mortgages can be extremely complicated with many variables. Every mortgage application is unique, and requires the full attention of a licensed and trained mortgage broker. There is no way an automated loan service can answer all of your questions for you. Indigo Mortgage strongly encourages working with a local lender that can provide in-depth, face-to-face answers to your unique questions.

Working with a local mortgage lender means that your broker understands your personal circumstances and provides you with personalized help. National lenders that promise fast loans neglect the personal element of conducting business in person. We believe lenders should treat clients like people, not just digits on an internet application.

While national online lenders promise convenience and expediency, we still advise working with a local broker, and shopping around to make sure you’re getting the best rates and terms on your mortgage!

Published in Blog
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
Wednesday, 04 January 2017 00:02

Broker vs. Bank: What's the Difference?

At Indigo Mortgage, we understand that borrowers looking for a mortgage loan have plenty of options these days. But when it comes to choosing between a broker like us, or a bank, it’s important to know what the key differences are. Knowing the distinction between the two can mean thousands of dollars in savings!

Published in Blog
Tuesday, 03 January 2017 23:56

KKOB on January 3

Ben Lucero discusses the differences between a bank and a broker on KKOB's Real Estate segment today. Learn about why this difference matters and how it effects your loan!

Published in Radio
Tuesday, 27 December 2016 23:15

KKOB on December 27

The Consumer Financial Protection Bureau, the government entity responsible for protecting consumers from unfair financial practices has found that only 50% of people research their loan options. Ben Lucero discusses how much you can save by educating yourself!

Published in Radio
Tuesday, 27 December 2016 22:43

An Informed Decision Can Save You Thousands!

The Consumer Financial Protection Bureau, the government entity responsible for ensuring that banks, lenders and other financial institutions treat consumers fairly, found that only 50% of borrowers bother to thoroughly research their loan options when looking for a mortgage. This means that 50% of borrowers never even considered any other offers – they purchased from the first lender they called!

Richard Cordray, Director of the Consumer Financial Protection Bureau, stated that “consumers put great thought into the choice of a home, but the mortgage process continues to be intimidating. Shopping for a loan” he says, “can translate into big dollars saved in the long run.”

Indigo Mortgage strongly encourages borrowers to shop around before making a mortgage loan purchase. Rates can vary by as much ½ of a percent from one lender to another, and even at the same rate, closing costs can vary by several thousands of dollars! An educated borrower can, however, save thousands of dollars just by doing the research and selecting the best deal.

The easiest way to compare a loan is to compare the lender fees on any given rate. Indigo Mortgage is happy to educate borrowers on what to look for when shopping for a loan. Borrowers can always call us and we will show them the most important elements of loan proposals!

Published in Blog
Thursday, 25 August 2016 16:12

KKOB on August 23

Indigo Mortgage has partnered with United Wholesale Mortgage to offer New Mexicans a 1% down payment mortgage.

The way it works is the buyer goes into a traditional 3% down loan, but only pays 1% and United Wholesale Mortgage gifts the other 2%.

This shouldn't be mistaken as a second mortgage, as it is a true gift from UWM. The buyer must have a minimum credit score of 700. Contact Indigo Mortgage today to learn more about this offer and to see if you qualify.

Published in Radio
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From The Blog

  • The Right Questions +

    When you’re shopping for a mortgage, it’s important to do your research and ask the right questions. The lending experts Read More
  • Advantages of Working With a Mortgage Broker +

    As one of New Mexico’s largest mortgage brokers, Indigo Mortgage can offer some advantages to homeowners and prospective homeowners. We Read More
  • Lender Paid Mortgage Insurance Can Save You Money +

    You might be able to save money on your monthly mortgage payment with lender paid mortgage insurance. How? If monthly Read More
  • VA Jumbo Loans +

    Indigo Mortgage is one of the largest mortgage brokers in New Mexico, and as such, we close more VA Loans Read More
  • General Information About VA Loans +

    At Indigo Mortgage, our VA loan division closes more VA loans than any other mortgage company in New Mexico. Here’s Read More
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