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, and emails that begin the moment your mortgage credit report is pulled.
These aggressive companies — often called “bottom feeders” — contact borrowers without warning, and Ben wants New Mexico homeowners to know exactly how to stop them.
What Happens When a Mortgage Lender Pulls Your Credit?
As Ben Lucero explains, any time a mortgage lender pulls your credit, the major credit bureaus flag this activity. That information signals that you may be shopping for a loan, and the bureaus sell your data to anyone willing to pay for it. That includes out-of-state lenders, call centers, and companies with no connection to your trusted mortgage broker.
Within hours, these bottom feeders begin:
- Calling repeatedly
- Sending aggressive text messages
- Emailing borrowers pretending to be legitimate lenders
- Pressuring you to switch to their mortgage offers
They know nothing about you or your goals — yet they want you to hand over personal financial information. As Ben often says, this is not just annoying; it can potentially compromise the safety of your personal data.
Why New Mexico Borrowers Need to Be Extra Cautious
In markets like Albuquerque and Rio Rancho, Ben has seen more and more borrowers overwhelmed by these unsolicited calls. Many of these companies:
- Are not vetted by the credit bureaus
- Are not licensed in New Mexico
- Use high-pressure tactics
- Try to confuse borrowers into abandoning their trusted lender
This can derail your loan process, muddy up your credit, or even expose your personal information to risky third parties.
Ben Lucero stresses that Indigo Mortgage never sells your information, and he wants borrowers across Albuquerque, NM to stay informed and protected.
How to Stop Mortgage Bottom Feeders: Advice From Ben Lucero
Ben recommends a simple, effective step for every borrower beginning the mortgage process:
Visit OptOutPrescreen.com
This official consumer credit reporting site allows you to stop unwanted solicitations for five years. By opting out, you prevent the credit bureaus from selling your personal information.
What to Do
- Go to OptOutPrescreen.com
- Register yourself
- Register your spouse
- Confirm your identity
- Opt out for 5 full years
Once completed, these bottom feeders will no longer have access to your contact information.
You can also find a direct link on the IndigoMortgage.net website to make the process even easier.
Why Work With Indigo Mortgage and Ben Lucero?
Ben Lucero has been serving Albuquerque, NM homeowners for decades, and his commitment has always been the same: put the borrower first. Unlike national lenders or large call-center mortgage companies, Indigo Mortgage focuses on:
- Protecting your private information
- Offering honest, transparent advice
- Comparing multiple lenders to find the best rates
- Guiding you step-by-step through the mortgage process
Ben believes every borrower deserves a trusted, local advocate — not a flood of calls from companies you’ve never heard of.
Have Mortgage Questions? Ben Lucero Is Here to Help
If you want more guidance on keeping bottom feeders away or need help with a home loan in Albuquerque, NM, Ben is always ready to assist.
Protect your information. Protect your home loan. And work with a mortgage broker who truly puts New Mexico borrowers first.