Across New Mexico, homeowners and buyers in Albuquerque, Rio Rancho, Santa Fe, Los Lunas, and surrounding communities are receiving deceptive mortgage flyers, mailers, and teaser ads advertising unbelievably low mortgage rates. At first glance, these offers look appealing. Low interest rates. Big promises. Eye-catching numbers. But according to Ben Lucero of Indigo Mortgage, these flyers

Across New Mexico, many homeowners have purchased their homes using a Real Estate Contract (REC) — sometimes called a contract for deed. These agreements have helped families become homeowners when traditional financing wasn’t an option at the time of purchase. But eventually, most homeowners reach a point where they want (or need) to refinance out

The real estate and mortgage market in New Mexico is shaped by more than just local inventory and home prices — it’s also influenced by national economic trends and federal policy decisions. Recent discussions at the federal level, including proposals from President Donald Trump, highlight potential changes that could affect mortgage rates, housing affordability, and

Over the last several years, the housing and lending markets have experienced unprecedented shifts. Homeowners enjoyed record-low interest rates—some of the lowest in modern financial history—causing nearly everyone who could refinance to do so. At the same time, home prices jumped dramatically, especially in New Mexico, causing home equity to climb to levels many homeowners

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