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# Indigo Mortgage

BECAUSE NO ONE CARES MORE ABOUT YOUR MORTGAGE LOAN.

## Sitemaps

- [XML Sitemap](https://indigomortgage.net/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://indigomortgage.net/blog/)
- [Understanding Mortgage Recasting: A Smart Option for Homeowners](https://indigomortgage.net/understanding-mortgage-recasting-a-smart-option-for-homeowners/) - When it comes to managing mortgage payments and home equity, many borrowers overlook a helpful financial tool known as a mortgage recast.
- [Veterans: Don’t Get Trapped by Bad Refinance Deals](https://indigomortgage.net/veterans-dont-get-trapped-by-bad-refinance-deals/) - Veterans, don’t fall for bad VA refinance deals! Learn how to avoid costly mistakes and secure the best VA mortgage rates. Get expert advice from Ben Lucero at Indigo Mortgage and make an informed decision before refinancing your VA loan
- [AI Is Changing Mortgage Lending, But It Can’t Replace Human Experience](https://indigomortgage.net/ai-is-changing-mortgage-lending-but-it-cant-replace-human-experience/) - Learn why Ben Lucero at Indigo Mortgage believes human experience, common sense, and personal guidance still matter in today’s AI-driven mortgage industry.
- [Are Reverse Mortgages Right for You?](https://indigomortgage.net/are-reverse-mortgages-right-for-you/)
- [What Is a Mortgage Recast? How It Can Lower Your Monthly Payment](https://indigomortgage.net/what-is-a-mortgage-recast-how-it-can-lower-your-monthly-payment/) - A mortgage recast is a little-known mortgage feature that allows homeowners to make a lump-sum payment toward the principal balance of after purchasing a home.
- [Build Your Dream Home with a Construction Loan](https://indigomortgage.net/build-your-dream-home-with-a-construction-loan/) - For years, Ben Lucero has helped New Mexico families finance home construction with loan programs designed to make building more affordable and less stressful.
- [A Loan Updates Every New Mexico Veteran Should Know](https://indigomortgage.net/a-loan-updates-every-new-mexico-veteran-should-know/) - Learn about recent VA loan updates, veteran tax savings, and mortgage tips from Ben Lucero and Indigo Mortgage serving Albuquerque and New Mexico veterans.
- [Don’t Fall for Misleading Refinance Tactics](https://indigomortgage.net/dont-fall-for-misleading-refinance-tactics/) - Ben Lucero of Indigo Mortgage explains why homeowners should be cautious of refinance offers tied to escrow shortages and rising taxes.
- [What Homeowners Should Consider Before Refinancing](https://indigomortgage.net/what-homeowners-should-consider-before-refinancing/) - Explore what homeowners should consider before refinancing with advice from Indigo Mortgage, including rates, equity, closing costs, and long-term savings.
- [Why Homeowners Are Choosing to Remodel Instead of Move](https://indigomortgage.net/why-homeowners-are-choosing-to-remodel-instead-of-move/) - In today’s real estate market, many homeowners are asking the same question: Should I sell my home and move, or should I stay and upgrade what I already have?
- [Buying a Home from a Relative in New Mexico](https://indigomortgage.net/buying-a-home-from-a-relative-in-new-mexico/) - Buying a home is one of the biggest financial decisions you’ll ever make—but what if you’re buying that home from a family member?
- [Refinancing Out of a Real Estate Contract](https://indigomortgage.net/refinancing-out-of-a-real-estate-contract-2/) - If you purchased your home through a real estate contract in NM, there’s a good chance refinancing is either required or the smartest financial move.
- [What to Do When You Inherit a Property in New Mexico](https://indigomortgage.net/what-to-do-when-you-inherit-a-property-in-new-mexico/) - Inheriting a home can be both a blessing and a challenge. While it often comes with sentimental value and financial opportunity, it also brings decisions.
- [Is Now the Right Time to Refinance Your Home?](https://indigomortgage.net/is-now-the-right-time-to-refinance-your-home/) - Many homeowners across New Mexico are asking the same question right now: Is this the right time to refinance, or should I wait for interest rates to drop?
- [The 10 Commandments of Getting a Mortgage](https://indigomortgage.net/the-10-commandments-of-getting-a-mortgage/) - If you’re thinking about buying a home or refinancing in New Mexico, there are certain rules you absolutely need to follow during the mortgage process.
- [Origination vs. Discount: What Homebuyers Need to Know](https://indigomortgage.net/origination-vs-discount-what-homebuyers-need-to-know/) - As interest rates begin trending downward, more homeowners throughout New Mexico are starting to refinance or purchase homes.
- [Bank Statement Loans](https://indigomortgage.net/bank-statement-loans/) - For many self-employed borrowers in Albuquerque and throughout NM, qualifying for a mortgage can feel unnecessarily difficult — even when business is strong.
- [Reverse Mortgages in New Mexico](https://indigomortgage.net/reverse-mortgages-in-new-mexico/) - Reverse mortgages are becoming a more common conversation among senior homeowners across NM. Still, many people hesitate because of outdated information.
- [Don’t Reward Bad Mortgage Deals in New Mexico](https://indigomortgage.net/dont-reward-bad-mortgage-deals-in-new-mexico/) - In today’s competitive housing market, New Mexico borrowers—especially VA home loan borrowers—are often targeted by large national lenders, call centers.
- [Scam Mortgage Flyers in New Mexico](https://indigomortgage.net/scam-mortgage-flyers-in-new-mexico/) - Across New Mexico are receiving deceptive mortgage flyers, mailers, and teaser ads advertising unbelievably low mortgage rates.
- [How Federal Policy Could Impact NM's Housing Market](https://indigomortgage.net/how-federal-policy-could-impact-nms-housing-market/) - The real estate and mortgage market in NM is shaped by more than just inventory and home prices — it’s also influenced by national trends and federal policy.
- [Refinancing Out of a Real Estate Contract](https://indigomortgage.net/refinancing-out-of-a-real-estate-contract/) - Across New Mexico, many homeowners have purchased their homes using a Real Estate Contract (REC) — sometimes called a contract for deed.
- [Why 2nd Mortgages Are Surging in Popularity](https://indigomortgage.net/why-2nd-mortgages-are-surging-in-popularity/) - Over the last several years, the housing and lending markets have experienced unprecedented shifts. Homeowners enjoyed record-low interest rates
- [Thinking About Building a Home?](https://indigomortgage.net/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.
- [Are Credit Bureaus Out of Control?](https://indigomortgage.net/are-credit-bureaus-out-of-control/) - For many homebuyers, getting ready to purchase a home means saving for a down payment, organizing documents, and watching interest rates.
- [How to Protect Yourself From “Bottom Feeders”](https://indigomortgage.net/how-to-protect-yourself-from-bottom-feeders/) - 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
- [What Borrowers Need to Know About Low Mortgage Rates](https://indigomortgage.net/what-borrowers-need-to-know-about-low-mortgage-rates/) - With talk of the Federal Reserve cutting rates, the mortgage market is heating up again. Borrowers across all of NM are re-entering the market.
- [Why a Mortgage Broker Is Better for Borrowers](https://indigomortgage.net/why-a-mortgage-broker-is-better-for-borrowers/) - When it comes to buying a home or refinancing your current mortgage, the choices can feel overwhelming. Should you work with your bank?
- [How to Prepare for a New Mortgage Inquiry](https://indigomortgage.net/how-to-prepare-for-a-new-mortgage-inquiry/) - With mortgage rates dropping once again, many Albuquerque, NM homeowners are considering refinancing or exploring new loan options.
- [Veterans: Shop Around Before You Refinance or Buy a Home](https://indigomortgage.net/veterans-shop-around-before-you-refinance-or-buy-a-home/) - 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.
- [Why a Pre-Approval Matters in a Competitive Market](https://indigomortgage.net/why-a-pre-approval-matters-in-a-competitive-market/) - With mortgage rates finally beginning to drop and housing inventory remaining tight, many potential homebuyers are stepping off the sidelines and making offers.
- [Bigger Is Not Always Better: Why New Mexico Home Buyers Should Think Local](https://indigomortgage.net/bigger-is-not-always-better-why-new-mexico-home-buyers-should-think-local/) - Rocket has been making headlines with massive acquisitions. From buying Redfin to acquiring Mr. Cooper, one of the country’s largest mortgage servicers.
- [First-Time Home Buyers in New Mexico](https://indigomortgage.net/first-time-home-buyers-in-new-mexico/) - Buying your first home is one of the most exciting milestones in life. Studies show that many first-time home buyers feel completely unprepared for the process.
- [Mortgage Brokers vs Loan Officers](https://indigomortgage.net/mortgage-brokers-vs-loan-officers/) - When you’re ready to apply for a mortgage, one of the most important questions you can ask is: who do you use?
- [Taking the Anxiety Out of Applying for a Mortgage](https://indigomortgage.net/taking-the-anxiety-out-of-applying-for-a-mortgage/) - With mortgage rates expected to drop soon, many buyers are preparing to come off the sidelines. For many, the thought of applying for a mortgage brings anxiety.
- [Get Ready: Lower Mortgage Rates Are Coming](https://indigomortgage.net/get-ready-lower-mortgage-rates-are-coming/)
- [The Sad Truth About Big National VA Mortgage Lenders](https://indigomortgage.net/the-sad-truth-about-big-national-va-mortgage-lenders/) - With mortgage rates beginning to come down, many veterans are once again exploring their options—whether that’s purchasing a new home or refinancing.
- [Don’t Get Blindsided by Low Mortgage Rates](https://indigomortgage.net/4451-2/) - Mortgage rates are finally starting to fall, and for many homeowners in Albuquerque and across New Mexico, this feels like the perfect time to refinance
- [Why a Lower Rate Doesn’t Always Mean You Should Refinance](https://indigomortgage.net/why-a-lower-rate-doesnt-always-mean-you-should-refinance/) - When interest rates drop, many homeowners immediately start thinking about refinancing their mortgage. On the surface, it sounds like a simple decision.
- [Why Waiting to Buy a Home Could Cost You More](https://indigomortgage.net/why-waiting-to-buy-a-home-could-cost-you-more/) - Many homebuyers are holding off on purchasing a home, hoping that mortgage rates will drop. But, that strategy might end up costing more in the long run.
- [Stay Local When Shopping for a Mortgage in 2025 – Insights from Ben Lucero at Indigo Mortgage](https://indigomortgage.net/stay-local-when-shopping-for-a-mortgage-in-2025-insights-from-ben-lucero-at-indigo-mortgage/) - In today’s fast-moving real estate market, choosing the right lender is just as important as finding the right home.
- [Don’t Wait to Buy: Why 2025 Might Be the Right Time to Act](https://indigomortgage.net/dont-wait-to-buy-why-2025-might-be-the-right-time-to-act/) - At Indigo Mortgage, Ben has been hearing from many potential buyers—especially first-time buyers—who are hesitant to purchase because of current rates.
- [How to Spot Hidden Fees in Mortgage Rate Quote](https://indigomortgage.net/how-to-spot-hidden-fees-in-mortgage-rate-quote/) - With mortgage rates shifting once again, many homeowners and homebuyers are considering refinancing or purchasing a new home.
- [Why a Local Mortgage Broker Beats Online Lenders Every Time](https://indigomortgage.net/why-a-local-mortgage-broker-beats-online-lenders-every-time/)
- [Why a Mortgage Pre-Approval Matters in New Mexico’s Competitive Market](https://indigomortgage.net/why-a-mortgage-pre-approval-matters-in-new-mexicos-competitive-market/) - In today’s fast-moving real estate market, especially here in New Mexico, buyers need every advantage they can get.
- [Why Mortgage Brokers Are Better in 2025](https://indigomortgage.net/why-mortgage-brokers-are-better-in-2025/) - According to Ben Lucero, owner of Indigo Mortgage, brokers are able to provide borrowers with more flexibility, better rates, and stronger advocacy.
- [Refinancing After Divorce: How Indigo Mortgage Can Help](https://indigomortgage.net/refinancing-after-divorce-how-indigo-mortgage-can-help/) - Divorce can be tough, especially when it comes to dividing property.
- [VA Mortgage Loan Updates: New Opportunities for Veterans](https://indigomortgage.net/va-mortgage-loan-updates-new-opportunities-for-veterans/) - Veterans have access to some of the most advantageous mortgage loan options available, and Indigo Mortgage is here to help them navigate these opportunities.
- [Why Construction Loans Are Gaining Popularity in Today’s Market](https://indigomortgage.net/why-construction-loans-are-gaining-popularity-in-todays-market/) - In today’s competitive real estate market, many prospective homeowners are finding it increasingly difficult to locate existing homes that meet their needs.
- [Small Balance Commercial Loans: A Solution for Business Owners](https://indigomortgage.net/small-balance-commercial-loans-a-solution-for-business-owners/)
- [Is Rocket Mortgage Taking Over? Here’s Why That Could Hurt Homebuyers](https://indigomortgage.net/is-rocket-mortgage-taking-over-heres-why-that-could-hurt-homebuyers/) - Is Rocket Mortgage Taking Over? Here’s Why That Could Hurt Homebuyers
- [Stay Ahead of Dropping Mortgage Rates](https://indigomortgage.net/stay-ahead-of-dropping-mortgage-rates/) - Monitor mortgage rates with Indigo Mortgage’s Rate Ticker Hotline. Refinance smart, skip the rush, and lock in your ideal rate—no credit check needed.
- [Why a Local Mortgage Lender is Essential for Family Property Transactions](https://indigomortgage.net/why-a-local-mortgage-lender-is-essential-for-family-property-transactions/) - Buying a home from a relative or inheriting a property can be a complex process. Call Indigo Mortgage for information on family property transactions.
- [Mortgage Down Payment Options](https://indigomortgage.net/mortgage-down-payment-options-2/) - There are many options for a mortgage. Call Indigo Mortgage at 505-836-5700 for a quote on a home loan for your circumstances. $0 Down, 100% mortgages available
- [Bank Statement Mortgage Loans](https://indigomortgage.net/bank-statement-mortgage-loans/) - Bank statement loans use bank statements to qualify for a home loan. Learn more from Indigo Mortgage, serving NM homebuyers since 2003. Call us at 505-836-5700.
- [How to Avoid Unsolicited Loan Inquiries](https://indigomortgage.net/how-to-avoid-unsolicited-loan-inquiries/) - How to stop unsolicited calls and emails when you apply for a loan. Indigo Mortgage in Albuquerque has information to avoid solicitations from unknown lenders
- [Local Mortgage Lenders Outperform Big-Box Lenders](https://indigomortgage.net/local-mortgage-lenders-outperform-big-box-lenders/) - Large national mortgage companies have well-known names but often charge more than local mortgage brokers. Learn more from Indigo Mortgage. Shop your mortgage!
- [A Mortgage Solution for Self-Employed Borrowers](https://indigomortgage.net/a-mortgage-solution-for-self-employed-borrowers/) - Bank statement loans offer self-employed homebuyers a path to a home loan. Learn more from Indigo Mortgage, New Mexico's mortgage broker since 2003. Call us!
- [Unlock Your Home’s Equity with a 2nd Mortgage](https://indigomortgage.net/unlock-your-homes-equity-with-a-2nd-mortgage/) - What's the best choice - refinancing or taking a second mortgage? Learn more from Indigo Mortgage, serving New Mexico homeowners since 2003. Give us a call!
- [Veterans Deserve Transparency](https://indigomortgage.net/veterans-deserve-transparency/) - National VA lenders are often not the best source for VA loans. Compare interest rates and fees with a local lender like Indigo Mortgage. 20 years of VA lending.
- [Why Low Mortgage Rates Might Not Be Good for Borrowers](https://indigomortgage.net/why-low-mortgage-rates-might-not-be-good-for-borrowers/) - Low mortgage rates aren’t always the best deal. Learn how to avoid costly mistakes by looking beyond rates and shopping smarter with Indigo Mortgage.
- [Don’t Reward Lenders for Giving You a Bad Deal](https://indigomortgage.net/dont-reward-lenders-for-giving-you-a-bad-deal/) - VA borrowers: Don’t reward lenders for bad deals. Learn how shopping a VA loan with Indigo Mortgage ensures better rates, lower fees, and fair treatment.
- [2nd Mortgages](https://indigomortgage.net/2nd-mortgages/) - Why Are Second Mortgages the Most Popular Mortgages in Today’s Market? As mortgage rates have doubled from historic lows, second mortgages have become the go-to option for homeowners looking to access their equity. Over the past few years, many homeowners locked in exceptionally low rates during the refinancing boom. At the same time, rising property Learn why second mortgages, including HELOCs and fixed-rate options, are popular for New Mexico homeowners looking to access equity without refinancing.
- [Brokers are Better](https://indigomortgage.net/brokers-are-better/) - How a Mortgage Broker Can Benefit Borrowers Buying or Refinancing The first thing to remember about a mortgage broker is that a broker is local. At Indigo Mortgage, we live, work, and support the Albuquerque area and communities across New Mexico. As brokers, our role is to be 100% on the side of the borrower, Learn how mortgage brokers in Albuquerque and New Mexico advocate for borrowers, secure the best rates, and solve problems when buying or refinancing.
- [The Truth About VA Loan Rates and Closing Costs: What Veterans Should Know](https://indigomortgage.net/the-truth-about-va-loan-rates-and-closing-costs-what-veterans-should-know/) - A recent independent national survey sheds light on VA loan interest rates and closing costs, revealing surprising differences between national lenders and smaller, local lenders. For veterans, these findings underscore the importance of shopping around, particularly with local mortgage brokers, to avoid paying more than necessary. Here’s what veterans should know based on this insightful Veterans: See why VA loan rates and fees are lower with local lenders. Learn how Indigo Mortgage can help you save on your next VA mortgage in New Mexico.
- [Why Staying Local for Your Mortgage Matters](https://indigomortgage.net/why-staying-local-for-your-mortgage-matters/) - As mortgage interest rates begin to dip, more homeowners and potential buyers are eager to take advantage of favorable rates. However, borrowers must choose their mortgage lender carefully to truly benefit. Opting for a local mortgage broker instead of a national lender can save borrowers from hidden fees and ensure a smoother, more personalized experience. Explore why choosing a local mortgage broker over national lenders can save you money and ensure better service. Indigo Mortgage, your trusted local option.
- [Exploring VA Mortgage Loan Benefits for Veterans with Indigo Mortgage](https://indigomortgage.net/exploring-va-mortgage-loan-benefits-for-veterans-with-indigo-mortgage/) - For veterans seeking a home loan, a VA mortgage offers a range of benefits and flexibility that make homeownership more accessible. At Indigo Mortgage, we’re dedicated to helping veterans take full advantage of the great opportunities provided by VA loans. Here’s a look at the options available, including recent updates, that make VA loans even Know the benefits of VA mortgage loans for veterans, including no down payment on Jumbo loans, no mortgage insurance, and multiple eligibility uses. Contact Indigo Mortgage for details.
- [Internet Lenders vs. Local Mortgage Brokers: Why Stay Local?](https://indigomortgage.net/internet-lenders-vs-local-mortgage-brokers-why-stay-local/) - With mortgage rates beginning to drop, many homeowners are considering refinancing. But with so many options available, how do you choose between an internet lender and a local mortgage broker? While the convenience of online lending might seem appealing, there are significant advantages to choosing a local mortgage broker like Indigo Mortgage. Let's break it Compare local mortgage brokers like Indigo Mortgage with internet lenders. Discover why staying local offers more personalized service, accountability, and potentially lower rates.
- [VA Refinance Caution: Veterans, Beware of Enticing Offers](https://indigomortgage.net/va-refinance-caution-veterans-beware-of-enticing-offers/) - As VA mortgage rates start to drop, veterans across the country are being aggressively targeted by lenders pushing them to refinance. From online offers to mailers and phone calls, veterans with home loans above 6% are inundated with enticing refinance opportunities. While this might seem appealing, we want to offer a word of caution before Veterans, be cautious of VA refinance offers from national lenders. Learn how to avoid high fees and inflated rates by shopping with trusted local brokers like Indigo Mortgage.
- [Understanding Reverse Mortgages: Important Warnings for Seniors](https://indigomortgage.net/understanding-reverse-mortgages-important-warnings-for-seniors/) - The Value of Reverse Mortgages Reverse mortgages can be a beneficial financial product for many seniors, providing them with additional income during retirement. However, a national consumer advocacy group has recently issued a warning for borrowers to proceed with caution when dealing with reverse mortgage lenders. Many are not receiving the full truth about these Learn about reverse mortgages and the warnings from consumer advocacy groups. At Indigo Mortgage, we prioritize educating seniors without pressure. Discover your options today!
- [Good News on Trigger Leads: A Potential Change for Borrowers](https://indigomortgage.net/good-news-on-trigger-leads-a-potential-change-for-borrowers/) - Understanding Trigger Leads Trigger leads are a controversial practice in the mortgage industry, often referred to as "bottom feeders." When lenders like Indigo Mortgage pull a credit report for a prospective borrower, credit bureaus immediately sell that borrower's information to third-party lenders. This results in an overwhelming influx of calls, emails, and texts from these Discover the latest news on trigger leads in the mortgage industry. A potential law aims to protect borrowers' personal data and ensure consumer choice. Read more from Indigo Mortgage.
- [Why is the Housing Market Still Sluggish?](https://indigomortgage.net/why-is-the-housing-market-still-sluggish/) - Mortgage interest rates have recently dropped to their lowest levels in over a year, which should be sparking a surge in home buying activity. However, the housing market remains surprisingly sluggish. This unexpected trend has left many wondering: Why aren’t more people jumping into the market? The Waiting Game: Buyers Anticipate Lower Rates The primary Despite low mortgage rates, the housing market remains sluggish. Learn why waiting to buy might backfire and how Indigo Mortgage can help you navigate the market.
- [The Importance of Anti-Money Laundering Regulations in Mortgage Lending](https://indigomortgage.net/the-importance-of-anti-money-laundering-regulations-in-mortgage-lending/) - In the mortgage lending process, one of the most frustrating experiences for borrowers is dealing with the extensive documentation required by underwriters. Among the most common and challenging requests is the need to prove the source of funds for down payments and closing costs. This may seem like an unnecessary hassle, but it plays a Indigo Mortgage explains why anti-money laundering regulations require lenders to verify the source of down payment funds, protecting the real estate market's integrity.
- [VA Lender Fined $2.25 Million: Why Shopping Around for a VA Loan is Crucial](https://indigomortgage.net/va-lender-fined-2-25-million-why-shopping-around-for-a-va-loan-is-crucial/) - At Indigo Mortgage, we've always emphasized the importance of shopping around when securing a VA loan. Recent events have highlighted just how vital it is for veterans to be vigilant when choosing a lender. The Consumer Financial Protection Bureau (CFPB) recently fined New Day USA, a well-known VA lender, a staggering $2.25 million for deceptive VA lender New Day USA fined $2.25M for misleading veterans. Learn why it's crucial to shop your VA loan and choose Indigo Mortgage, NM's trusted VA loan broker.
- [Be Careful on Mortgage Refis](https://indigomortgage.net/be-careful-on-mortgage-refis/)
- [When is it Time to Refi?](https://indigomortgage.net/when-is-it-time-to-refi/)
- [Rehab Loan vs Selling Your Home](https://indigomortgage.net/rehab-loan-vs-selling-your-home/) - In today’s real estate market, there’s limited inventory for people to “trade up” in the size or location of their home. High interest rates also discourage many homeowners from selling, as they would need to purchase a new home at a higher rate. As a result, some homeowners are choosing to stay in their current Deciding whether to rehab or sell your home? Learn how rehab loans can help you remodel and stay in your dream home with Indigo Mortgage's expert guidance.
- [The 10 Commandments of Applying for a Mortgage](https://indigomortgage.net/the-10-commandments-of-applying-for-a-mortgage/) - When you are preparing to apply for a mortgage, there are several things that you should know. At Indigo Mortgage, we call it “The 10 Commandments of Applying for a Mortgage”. It’s actually one of the most popular items on our website. Today, we won’t go through all 10 of the commandments but let’s highlight Discover Indigo Mortgage's '10 Commandments of Applying for a Mortgage' to avoid common pitfalls and ensure a smooth loan process. Call us for assistance today!
- [Mortgage Interest Rates Expected to Drop – Avoid Churning](https://indigomortgage.net/mortgage-interest-rates-expected-to-drop-avoid-churning/) - Mortgage interest rates are expected to drop here in the next couple months. That’s great news, especially for many homeowners who took out mortgages in the last few years who have sky-high interest rates and who will want to refinance. Understanding Mortgage Churning But remember, all lenders make their money off originating mortgage loans and Mortgage interest rates are expected to drop soon. Avoid churning by shopping for the best rates. Trust Indigo Mortgage, serving New Mexico since 2003.
- [Unaccountable Lenders](https://indigomortgage.net/unaccountable-lenders/) - Local mortgage lenders offer homebuyers one point of contact and are accountable to get your loan closed on time. Contact Indigo Mortgage, serving NM since 2023
- [Local vs National Mortgage Lender](https://indigomortgage.net/local-vs-national-mortgage-lender/) - Large national mortgage lenders may not offer the best rate or lowest fees. Shop your mortgage loan with a local lender! Indigo Mortgage, serving NM since 2003.
- [Qualifications for a Bank Statement Loan](https://indigomortgage.net/qualifications-for-a-bank-statement-loan/) - Bank statements can be used to obtain a mortgage loan. Contact Indigo Mortgage at 505-836-5700 to learn how to qualify. We've served New Mexico since 2003.
- [Don’t Settle for a Mortgage Application Taker](https://indigomortgage.net/dont-settle-for-a-mortgage-application-taker/) - Should you use a local mortgage broker or an online mortgage company? Learn why an online mortgage application is not the best option. Indigo Mortgage can help
- [Broker vs Bank: How to Get the Best Mortgage](https://indigomortgage.net/broker-vs-bank-how-to-get-the-best-mortgage/) - A mortgage broker works for the borrower, while a loan officer represents one bank or credit union. Shop your loan Indigo Mortgage for lower rates and fees.
- [The Sad Truth on VA National Lenders](https://indigomortgage.net/the-sad-truth-on-va-national-lenders/) - The biggest companies for the VA Loans don't have the best loan rates or lowest fees. Shop your mortgage, compare VA rates with Indigo Mortgage in Albuquerque.
- [Be Ready for Lower Mortgage Rates](https://indigomortgage.net/be-ready-for-lower-mortgage-rates/) - Recent high-rate mortgages can be refinanced when rates drop, predicted later in 2024. Be ready but be sure to get an offer from Indigo Mortgage to compare.
- [Source of Funds in a Mortgage Loan](https://indigomortgage.net/source-of-funds-in-a-mortgage-loan/) - Learn about mortgage down payment options and the importance of the source of those funds from Indigo Mortgage. Call us at 505-836-5700 for mortgage rates in NM
- [Mortgage Brokers are Better](https://indigomortgage.net/mortgage-brokers-are-better/) - Mortgage brokers work for the homebuyer, helping find the right mortgage. Check our rates versus other lenders. Indigo Mortgage, serving New Mexico since 2003.
- [Indigo’s 100 Percent Home Loan](https://indigomortgage.net/indigos-100-percent-home-loan/) - Indigo's Bright Start Loan Program offers homebuyers 100% mortgage financing with no money down. Call Indigo Mortgage to get started at 505-836-5700.
- [Indigo’s Lightning Mortgage Pre-Approval](https://indigomortgage.net/indigos-lightning-mortgage-pre-approval/) - Our new lightning-fast pre-approval process for a mortgage loan gives you the advantage when purchasing a home. Call Indigo Mortgage at 505-836-5700 today.
- [VA Streamline Loan ReFi’s](https://indigomortgage.net/va-streamline-loan-refis/) - VA Streamline Refinances- Get an estimate from Indigo Mortgage and compare mortgage rates and fees. Call us at 505-836-5700 and shop your mortgage loan
- [VA Streamlined Refinance Rates](https://indigomortgage.net/va-streamlined-refinance-rates/) - Unlock exclusive VA streamline refinance rates in New Mexico! Indigo Mortgage offers rates for veterans. No income qualification, quick approval in two weeks.
- [Secure Your Savings: Indigo Mortgage's Exclusive Mortgage Rate Tracker](https://indigomortgage.net/secure-your-savings-indigo-mortgages-exclusive-mortgage-rate-tracker/) - Unlock savings on your mortgage with Indigo Mortgage's Rate Tracker! Beat the rush, secure lower rates, and refinance with confidence in 2024.
- [Helping During a Divorce](https://indigomortgage.net/helping-during-a-divorce/) - There are unfortunate situations, such as a divorce, where a local mortgage company like Indigo Mortgage can be a true advocate
- [Credit Repair Opportunity](https://indigomortgage.net/credit-repair-opportunity/) - Credit scores play a significant role in mortgage lending. In today's rate environment, a better score equals a better rate.
- [Buying From Family Members](https://indigomortgage.net/buying-from-family-members/) - In New Mexico, it's common for family members to sell their homes to their loved ones. This sale helps to ensure the home is passed down to future generations.
- [5% Down Payment](https://indigomortgage.net/5-down-payment/) - Fannie May recently changed their down payment requirements for two-to-four-unit multifamily loans. This means that borrowers can now put down as little as 5%.
- [Veterans Deserve Honor](https://indigomortgage.net/veterans-deserve-honor/) - Because Indigo Mortgage has the VA Mortgage Loan Center, many veterans trust us in offering them ethical and honorable deals over the years. We help veterans...
- [What is a Reverse Mortgage?](https://indigomortgage.net/what-is-a-reverse-mortgage/) - A reverse mortgage is a loan that’s usually secured by a residential property that enables the borrower to access the unencumbered value of the property.
- [Full Refi vs 2nd Mortgage](https://indigomortgage.net/full-refi-vs-2nd-mortgage-2/) - If you’re currently not in the seller market, you’re likely sitting on a lot of equity. If you need to tap into that equity, you can do so in several ways.
- [1% Down Payment](https://indigomortgage.net/1-down-payment/) - Our biggest wholesale lender, United Wholesale Mortgage (UWM), announced that they are allowing partners to offer a 1% down payment for first-time homebuyers.
- [Inherited Properties](https://indigomortgage.net/inherited-properties/) - Using a local mortgage lender is imperative if you are buying a home from a relative or obtaining an inherited property.
- [Why Source of Funds Matters](https://indigomortgage.net/why-source-of-funds-matters/) - When borrowers are required to come up with a down payment and closing costs for their new home’s mortgage, funds can come from different sources.
- [Mortgage Down Payment Options](https://indigomortgage.net/mortgage-down-payment-options/) - With so many options and pieces to the puzzle, it’s important to utilize the expertise of a local mortgage broker like Indigo Mortgage.
- [Maximize Your Savings: The Importance of Comparing Rates from Mortgage Lenders](https://indigomortgage.net/maximize-your-savings-the-importance-of-comparing-rates-from-mortgage-lenders/) - Lenders charge borrowers fees to maximize profits. To secure the best rate possible, comparing offers from lenders and communicating with them is essential.
- [A Quick Overview of Jumbo Loans in 2023](https://indigomortgage.net/a-quick-overview-of-jumbo-loans-in-2023/) - A jumbo loan refers to a loan that exceeds the amount of $726,000. Excellent opportunities are also available for veterans, even if a jumbo loan is required.
- [July 2023  – VA Mortgage Updates](https://indigomortgage.net/july-2023-va-mortgage-updates/) - In its latest requirement update for 2023, the VA has made significant changes regarding jumbo loans for eligible veterans.
- [1% Down Payment Available](https://indigomortgage.net/1-down-payment-available/)
- [Institutional Investors' Impact](https://indigomortgage.net/institutional-investors-impact/) - Institutional investors on Wall Street now own 40% of all rental properties in America. This has a negative impact on young people being able to purchase a home.
- [Why Use a Mortgage Broker?](https://indigomortgage.net/why-use-a-mortgage-broker-2/)
- [What Influences Mortgage Rates](https://indigomortgage.net/what-influences-mortgage-rates/)
- [Reverse to Purchase Mortgage](https://indigomortgage.net/reverse-to-purchase-mortgage/)
- [Construction Loan Options](https://indigomortgage.net/construction-loan-options/)
- [2023 VA and FHA Fee Reductions](https://indigomortgage.net/2023-va-and-fha-fee-reductions/)
- [Cash-Out Refinances](https://indigomortgage.net/cash-out-refinances/) - With a constantly changing housing market comes changes to mortgage loans. The Indigo Mortgage team is here to tell you more about these changes and how they impact cash-out refinances.
- [OTC Construction Loans](https://indigomortgage.net/otc-construction-loans/) - At Indigo Mortgage in New Mexico, we strive to educate borrowers on the options available. Here’s what we think you should know about one-time close (OTC) construction loans.
- [VA Tid Bits](https://indigomortgage.net/va-tid-bits/) - The Indigo Mortgage New Mexico team is here to educate buyers on VA or Veteran purchase loans and to help them better understand what these types of loans cover.
- [Obtaining a Mortgage Not Like Buying Shoes](https://indigomortgage.net/obtaining-a-mortgage-not-like-buying-shoes/) - Indigo Mortgage New Mexico is here to tell you why it’s important to steer clear of certain online home mortgage lenders.
- [Local vs Online](https://indigomortgage.net/local-vs-online/)
- [VA Rate Survey New Mexico](https://indigomortgage.net/va-rate-survey-new-mexico/) - The experts at Indigo Mortgage in Albuquerque are here to help you better understand the current New Mexico VA Rate Survey.
- [Don’t Get Churned](https://indigomortgage.net/dont-get-churned/) - Indigo Mortgage New Mexico is here to explain a key concept to borrowers, churning. Here are a few aspects of churning and how to avoid it when purchasing a home.
- [Why Shop Locally?](https://indigomortgage.net/why-shop-locally/) - Purchasing a home can be complicated, but it doesn’t have to be. Indigo Mortgage is here to tell you why you should shop locally for a mortgage lender.
- [Twenty Year History](https://indigomortgage.net/twenty-year-history/) - For twenty years, Indigo Mortgage has served New Mexico. Now that we are coming into a new year, here is a brief history of Indigo Mortgage.
- [Mortgage Market Updates](https://indigomortgage.net/mortgage-market-updates/) - 2023 is around the corner, which means the housing market is bound to change. Indigo Mortgage New Mexico has a few market updates for the new year.
- [Buydowns](https://indigomortgage.net/buydowns/) - Interest rates have increased, causing borrowers to think twice about their mortgage applications. Indigo Mortgage is here to explain rate buydowns and how they work.
- [Second Mortgages](https://indigomortgage.net/second-mortgages/) - The Indigo Mortgage New Mexico team is here to explain why second mortgages are currently the most common type of mortgage loan.
- [Multifamily Mortgages](https://indigomortgage.net/multifamily-mortgages/) - Multifamily mortgages are not a common topic of conversation. According to Indigo Mortgage, here are a few facts you should know about multifamily mortgages.
- [Reverse Mortgages](https://indigomortgage.net/reverse-mortgages/) - Reverse mortgages can be a great asset for senior borrowers. The Indigo Mortgage team is here to educate you and set the record straight about reverse mortgages.
- [Construction Loans](https://indigomortgage.net/construction-loans/) - Many borrowers in today’s housing market choose to have their homes custom-built. Indigo Mortgage is here to help borrowers choose the right home mortgage loan.
- [Federal Reserve](https://indigomortgage.net/federal-reserve/) - Indigo Mortgage New Mexico is here to help you understand how the Federal Reserve impacts you and your home mortgage loan.
- [New Mortgage Loan Limit](https://indigomortgage.net/new-mortgage-loan-limit/) - As of 2023, a new loan limit will be available. Indigo Mortgage is here to provide you with some useful information if you are in the market for a new home.
- [How to Shop a Mortgage](https://indigomortgage.net/how-to-shop-a-mortgage/) - When it comes to finding the right mortgage lender, it pays to shop around. Indigo Mortgage New Mexico is here with tips on how to shop for your mortgage.
- [Increased Rates](https://indigomortgage.net/increased-rates/) - Home interest rates are significantly higher in the current housing market than in the past. Here's what you need to know, according to Indigo Mortgage.
- [Mortgage Shopping Pays Off](https://indigomortgage.net/mortgage-shopping-pays-off/) - Purchasing a home can be a huge undertaking. At Indigo Mortgage New Mexico, we urge buyers to shop local when it comes to your home loan; here’s why.
- [New Loan Limit](https://indigomortgage.net/new-loan-limit/) - Understanding what you can afford when purchasing a new home is important. Here are a few updates to current loan limits from Indigo Mortgage in Albuquerque.
- [ARM vs Fixed Rate Mortgage](https://indigomortgage.net/arm-vs-fixed-rate-mortgage/) - In today’s housing market, home interest rates are steadily rising. Here's how Indigo Mortgage can help you better understand your home mortgage options.
- [Proof it Pays to Shop](https://indigomortgage.net/proof-it-pays-to-shop/) - Purchasing a home is a huge financial commitment. When it comes to finding the right mortgage lender, it pays to shop around. Indigo Mortgage is a great option.
- [VA Rate Survey](https://indigomortgage.net/va-rate-survey/) - At Indigo Mortgage, we recently discovered some interesting information about VA rates and closing costs. Reach out to us for more information
- [Upfront Application Fees](https://indigomortgage.net/upfront-application-fees/) - Purchasing a home is a huge investment, but does that mean it should come with fees? Learn more by reaching out to the team at Indigo Mortgage New Mexico.
- [Second Home Purchase Loans](https://indigomortgage.net/second-home-purchase-loans/) - The Team at Indigo Mortgage in Albuquerque has made it our goal to lower rates for borrowers on second homes. Reach out to us with any questions.
- [Benefits of a Local Lender](https://indigomortgage.net/benefits-of-a-local-lender/) - Closing a home loan requires experience and dedication, something online lenders don't do well. Trust Indigo Mortgage, serving New Mexico homebuyers since 2003.
- [How Solar Panels Affect Home Value](https://indigomortgage.net/how-solar-panels-affect-your-homes-value/) - Solar panels affect your home's title if they were financed and impact a refinance. Learn more from Indigo Mortgage, serving New Mexico's homeowners since 2003.
- [Origination and Discount Fees](https://indigomortgage.net/origination-and-discount-fees/) - A low mortgage interest rate could come with high origination and discount fees. Learn how to compare mortgage offers to get the best mortgage for your NM home.
- [Veterans, Shop Your VA Loan](https://indigomortgage.net/veterans-shop-your-va-loan/) - Rising mortgage interest rates means fewer loan applications, so some lenders are increasing fees. Compare mortgage loan interest rate and fees with Indigo Mortgage.
- [Full Refi vs 2nd Mortgage](https://indigomortgage.net/full-refi-vs-2nd-mortgage/) - Should you do a full refinance or take a second mortgage out instead? Indigo Mortgage has helped New Mexico homeowners find the right solution since 2003.
- [180 Day Locks for Mortgage Rate](https://indigomortgage.net/180-day-locks-for-mortgage-rate/) - Indigo Mortgage offers 180-day locks on mortgage loans for homes under construction. Lock in a low interest rate now, it can go down but won't go up if rates rise.
- [Prepare to Get a Mortgage](https://indigomortgage.net/prepare-to-get-a-mortgage/) - Having a preapproval letter for a mortgage gives buyers an advantage in today's real estate market. Learn more from Indigo Mortgage in Albuquerque.
- [Construction Loans in New Mexico](https://indigomortgage.net/construction-loans-in-new-mexico/) - Construction loans to build your own New Mexico home with options for VA loans or conventional financing. Offered by Indigo Mortgage in Albuquerque since 2003.
- [Rehab Mortgage Loans](https://indigomortgage.net/rehab-mortgage-loans/) - A Rehab Mortgage lets you bundle home improvement into your mortgage and may be a better option than selling it and purchasing a new home in today's market.
- [How to Get Best VA Mortgage](https://indigomortgage.net/how-to-get-best-va-mortgage/) - Rising Mortgage interests rates in 2022 mean that its more important than ever for Veterans to shop for a VA mortgage to get the lowest interest rate and fees.
- [Why Mortgage Brokers are Better](https://indigomortgage.net/why-mortgage-brokers-are-better/)
- [Be Patient, Rural Borrowers](https://indigomortgage.net/be-patient-rural-borrowers/)
- [Beware of Predatory National Lenders](https://indigomortgage.net/beware-of-predatory-national-lenders/)
- [The True Cost of a No-Closing-Cost Mortgage](https://indigomortgage.net/the-true-cost-of-a-no-closing-cost-mortgage/) - A "No Closing Cost" mortgage means you'll pay more--a lot more-- over the life of the loan. Learn more from Indigo Mortgage, saving NM homeowners since 2003.
- [Scam Mortgage Offers](https://indigomortgage.net/scam-mortgage-offers/)
- [Rates Are What They Are](https://indigomortgage.net/rates-are-what-they-are/) - Mortgage interest rates may be rising but a home purchase or refinance is still affordable. Compare mortgage rates at Indigo Mortgage, serving NM since 2003.
- [Verifying Funds for Closing Your Loan](https://indigomortgage.net/verifying-funds-for-closing-your-loan/) - Funds used for closing a home loan must be verified by the lender in advance. Learn more from Indigo Mortgage, serving New Mexico homebuyers since 2003.
- [The Source of Funds](https://indigomortgage.net/the-source-of-funds/) - A vital factor for a down payment or closing your home loan is the source of funds. Learn more from Indigo Mortgage, serving New Mexico homebuyers since 2003.
- [Non-QM Loans for Self-Employed](https://indigomortgage.net/non-qm-loans-for-self-employed/) - Self-employed borrowers can use Non-QM or bank statement loans to verify income. Indigo Mortgage can help NM's self-employed borrowers buy or refi a home.
- [ReFi High Rate Variable Interest Loans](https://indigomortgage.net/refi-high-rate-variable-interest-loans/) - High credit card balances or a HELOC can be rolled into a refinance of your home. Call Indigo Mortgage for an evaluation to see if a refi makes sense for you.
- [The Mortgage Mailer Scam](https://indigomortgage.net/the-mortgage-mailer-scam/) - Reading the fine print in a mortgage offer is important. A low interest rate may have hidden fees. Learn more from Indigo Mortgage, serving New Mexico since 2003.
- [2022 Mortgage Opportunities](https://indigomortgage.net/2022-mortgage-opportunities/)
- [2nd Home Mortgage Rates](https://indigomortgage.net/2nd-home-mortgage-rates/)
- [Difference Between the Rate and APR](https://indigomortgage.net/difference-between-the-rate-and-apr/) - Do you know the difference between the Interest rate and APR and why it’s important to know the APR when you’re buying a home? Learn more from Indigo Mortgage.
- [The False 1.75%](https://indigomortgage.net/the-false-1-75/) - Crazy low mortgage interest rates like 1.75% come with a huge buy down, a 10-year term, or an adjustable rate mortgage. Learn how to shop your mortgage loan.
- [Federal Funds Rate](https://indigomortgage.net/federal-funds-rate/) - The Federal Reserve says they'll raise interest rates in 2022. Learn how mortgage interest rates will be affected and what to do if you're buying or refinancing.
- ["Pocket" At It Again](https://indigomortgage.net/pocket-at-it-again/)
- [Mortgage Consultant or Application Taker](https://indigomortgage.net/mortgage-consultant-or-application-taker/) - The mortgage process really is not rocket-fast. There's a difference between a mortgage consultant and an application taker. One will get you a better deal.
- [Refinancing REC and LTOs](https://indigomortgage.net/refinancing-rec-and-ltos/) - Ready to refinance a Real Estate Contract or a Lease to Own Agreement? What you need to know to convert to a mortgage, from Indigo Mortgage in Albuquerque.
- [Ten Commandments of Lending](https://indigomortgage.net/ten-commandments-of-lending/) - When you’re preparing to purchase a home or apply for a new mortgage or refi, there are some things you really should not do. We call them “The 10 Commandments of Lending”. Here are some of the most important ones: Thou shalt not buy a car, truck or van or thou might be living inWhen you’re preparing to purchase a home or apply for a new mortgage or refi, there are some things you really should not do. We call them “The 10 Commandments of Lending”. Here are some of the most important ones: Thou shalt not buy a car, truck or van or thou might be living in
- [Say No to Pressure](https://indigomortgage.net/say-no-to-pressure/) - Don't be pressured to accept a mortgage offer. Shop your loan for the lowest interest rate and fees with Indigo Mortgage. Once we submit ours, let's compare.
- [New Loan Limit to $625,000](https://indigomortgage.net/new-loan-limit-to-625000/) - New mortgages or refinances can now qualify for up to $625,000 without a Jumbo interest rate due to the raise in the maximum loan limit for conforming mortgages
- [Local vs National Lender](https://indigomortgage.net/local-vs-national-lender/) - You'll get the same interest rate from a local lender instead of a national or online lender, but you'll get something else during the mortgage process.
- [Rising Interest Rates? Questions to Ask](https://indigomortgage.net/rising-interest-rates-questions-to-ask/) - As mortgage rates rise, it's vital to know the origination and discount fees to compare offers from mortgage lenders. Learn more from Indigo Mortgage.
- [Closing Costs for Buyers](https://indigomortgage.net/closing-costs-for-buyers/) - Buying a home? Learn what closing costs you may have to pay, in addition to the down payment. Indigo Mortgage in Albuquerque, serving homebuyers since 2003.
- [Churning a Loan](https://indigomortgage.net/churning-a-loan/)
- [Mortgage Update August 2021](https://indigomortgage.net/mortgage-update-august-2021/)
- [Your Credit Report](https://indigomortgage.net/your-credit-report/) - Tips on how your credit report affects your mortgage, from Indigo Mortgage. We've served NM homebuyers since 2003. Shop your mortgage for the best rates and fees.
- [Don't Be Quick to Take That Offer](https://indigomortgage.net/dont-be-quick-to-take-that-offer/) - As we are seeing home mortgages at all-time highs, don’t be too quick to accept an offer from a national mortgage lender, without reading the small print.
- [VA Loan Updates](https://indigomortgage.net/va-loan-updates/) - The VA loan programs have many criteria, so if you’re a veteran and you have any questions about what options are available, we are a great resource to call.
- [Don't Reward Bad Mortgage Lenders](https://indigomortgage.net/dont-reward-bad-mortgage-lenders/) - Any mortgage borrowers in this market have heeded our call to shop their mortgage around, especially when dealing with that “quick in pocket-sounding lender”.
- [Origination and Discount Points](https://indigomortgage.net/origination-and-discount-points/) - Remember the only fees you want to compare are origination and discount points. If you have questions about a mortgage, Indigo Mortgage – is here to help.
- [When Is It Time To Refinance Your Mortgage?](https://indigomortgage.net/when-is-it-time-to-refinance-your-mortgage/) - Getting a lower interest rate doesn’t mean it’s a good time to refinance your mortgage. Big national lenders are going to engage any borrower who wants to refi.
- [Vets Deserve Honor](https://indigomortgage.net/vets-deserve-honor/)
- [The Importance of a Mortgage Pre-Approval](https://indigomortgage.net/the-importance-of-a-mortgage-pre-approval-2/) - An excellent way to set your offer apart is to accompany your purchase offer to the seller with a mortgage pre-approval, which is much stronger than a pre-qualification.
- [Don't Be Quick in Your Decision](https://indigomortgage.net/dont-be-quick-in-your-decision/) - If you’re shopping for a mortgage or a refi, you probably know that the “quick” sounding lender and the one whose name rhymes with “pocket” are one and the same
- [Bottom Feeders](https://indigomortgage.net/bottom-feeders/) - When a lender pulls a credit report, the credit bureaus sell that information to unscrupulous internet lenders, who then try to solicit the borrower.
- [Investment Property Financing](https://indigomortgage.net/investment-property-financing/)
- [Explaining Escrow Accounts #2](https://indigomortgage.net/explaining-escrow-accounts-2/) - Learn about escrow accounts in the Indigo Mortgage blog. We've been serving Albuquerque and New Mexico home buyers with low interest rate home loans since 2003.
- [Explaining an Escrow Accounts #1](https://indigomortgage.net/explaining-an-escrow-accounts-1/)
- [Home Loans for National Guard Members](https://indigomortgage.net/home-loans-for-national-guard-members/) - The Veterans Administration announced expanded home loans for National Guard members. This broadens eligibility for certain members in the National Guard service
- [Compare Local vs Internet Lenders](https://indigomortgage.net/compare-local-vs-internet-lenders/) - Can an online mortgage lender offer any better rates or other benefits versus a local mortgage broker? Learn more from Indigo Mortgage on how to compare rates.
- [Think Twice about Internet Lenders](https://indigomortgage.net/think-twice-about-internet-lenders/) - Using an internet lender for a home loan comes with some difficulties. Learn about the risks of an online home loan from Indigo Mortgage, serving homebuyers since 2003.
- [A Mortgage is not a Pair of Shoes](https://indigomortgage.net/a-mortgage-is-not-a-pair-of-shoes/) - Getting a mortgage is not like buying a pair of shoes. Internet lenders don't evaluate what the best mortgage is for you. Learn more from local Indigo Mortgage.
- [Shop VA Streamline Rate](https://indigomortgage.net/shop-va-streamline-rate/) - Fees may vary widely on VA Streamline loans (IRRRLs). At Indigo Mortgage, we encourage NM veterans to shop your Streamline re-fi to compare rates and fees.
- [Mortgage Rate is not an Idol](https://indigomortgage.net/mortgage-rate-is-not-an-idol/) - Low interest rates are great, but don't make them the only focus. Lean how fees can vary greatly, and negate the low rate, from Indigo Mortgage in Albuquerque.
- [What's Ahead for Mortgage Rates](https://indigomortgage.net/whats-ahead-for-mortgage-rates/) - Will mortgage interest rates rise in the rest of 2021? Get insights about mortgage rates from Indigo Mortgage, Albuquerque mortgage brokers since 2003.
- [The Loan Process at Indigo Mortgage](https://indigomortgage.net/the-loan-process-at-indigo-mortgage/) - When you're ready to purchase or refi your New Mexico home, Indigo Mortgage's process makes it smooth and easy. Let us help in your mortgage process.
- [The Importance of Prequalifying](https://indigomortgage.net/the-importance-of-prequalifying/)
- [What to Know about VA IRRRLs](https://indigomortgage.net/what-to-know-about-va-irrrls/) - VA mortgage rates are the lowest in history. Learn the requirements to use the VA IRRRL to refinance from Indigo Mortgage, one of NM's largest VA lenders.
- [Fees Affect Your Mortgage Rate](https://indigomortgage.net/fees-affect-your-mortgage-rate/) - Mortgage fees from various lenders can add up quickly. At Indigo Mortgage, we encourage you to "shop your mortgage" for the lowest fees and best rates in NM.
- [Current Market Update: Jan. 19, 2021](https://indigomortgage.net/current-market-update-jan-192021/) - Learn why low interest rates are complicating speedy home purchases in our January 2021 blog from Indigo Mortgage in Albuquerque.
- [What to consider when refinancing](https://indigomortgage.net/what-to-consider-when-refinancing/) - What to know when you're ready to refinance your mortgage loan.
- [VA Loans and “Zero Down”](https://indigomortgage.net/va-loans-and-zero-down/) - Learn about Zero Down VA loans, which do have some costs, in this Indigo Mortgage blog.
- [New Mexico Recent Success Stories](https://indigomortgage.net/new-mexico-recent-success-stories/) - Indigo Mortgage’s owner, Ben Lucero, shares some recent success stories for VA home loans in New Mexico!
- [Why use a mortgage broker](https://indigomortgage.net/why-use-a-mortgage-broker/) - The first thing to remember about a mortgage broker is that a broker is 100% of the time working on behalf of the borrower.
- [Second Mortgage Liens](https://indigomortgage.net/second-mortgage-liens/) - Second mortgage liens can come in a variety of forms, such as home improvement loans, solar system loans, lines of credit, and tax liens.
- [New Conforming Loan Limits](https://indigomortgage.net/new-conforming-loan-limits/) - Recently the feds have announced they are raising the new maximum loan amounts for conventional loans, starting January 1st 2021.
- [Avoid Up-Front Application Fees](https://indigomortgage.net/avoid-up-front-application-fees/) - Today, there are many mortgage lenders who are charging borrowers an upfront application fee, often $500-$600, when they apply for a mortgage.
- [Survey of VA Rates and Fees in New Mexico](https://indigomortgage.net/survey-of-va-rates-and-fees-in-new-mexico/) - A new independent national survey was recently conducted, looking not only at VA interest rates but also comparing closing costs.
- [The Value of a Local Lender](https://indigomortgage.net/the-value-of-a-local-lender/) - At Indigo Mortgage, we encourage borrowers to “stay local”! We encourage home buyers to shop their mortgage to different lenders locally to ensure they get the best rates and lowest fees.
- [NM VA Cash Out Refinance Loan](https://indigomortgage.net/nm-va-cash-out-refinance-loan/) - A VA refinance loan is known as a “VA Cash Out” in several refi scenarios: when the veteran is refinancing more than their property’s current payoff and getting cash back from their equity
- [VA Streamlined IRRL Loan](https://indigomortgage.net/va-streamlined-irrl-loan/) - A VA Streamline IRRL loan, also known as a VA IRRL (for “interest rate reduction loan”) is a loan designed for a veteran to refinance his or her current VA loan
- [Adverse Market Fee in Place for New Mexico](https://indigomortgage.net/adverse-market-fee-in-place-for-new-mexico/) - The fee is known as the Adverse Market Fee and it adds a .5% fee on to all conventional mortgage refinances; it does not affect VA loans or purchases...
- [How Solar Panels Impact ReFi’s](https://indigomortgage.net/how-solar-panels-impact-refis/) - Many homes across New Mexico have installed solar panels on the roof or around the home to take advantage of our abundant sunshine. Homeowners may not realize...
- [Adverse Market Fee Now Added to ReFi’s](https://indigomortgage.net/adverse-market-fee-now-added-to-refis/) - Many homeowners are taking advantage of mortgage rates that are currently at all-time lows and refinancing their home loan to an even lower interest rate.
- [Preparing for a Mortgage Inquiry](https://indigomortgage.net/preparing-for-a-mortgage-inquiry/) - At Indigo Mortgage, we get calls every day from New Mexico homebuyers or homeowners, asking “What’s your best interest rate?”
- [Local Mortgage Lenders are Better](https://indigomortgage.net/local-mortgage-lenders-are-better/) - If you’re in the market for a mortgage or a refi, you’ve likely noticed that mortgage interest rates have declined to the lowest point in history.
- [Mortgage Industry Updates](https://indigomortgage.net/mortgage-industry-updates/) - Now, in September 2020, mortgage rates are about the lowest in history. Because of that, mortgage lenders have been hit with a deluge of new applications which is causing strains across the industry.
- [Forbearance Information for New Mexico Homeowners](https://indigomortgage.net/forbearance-information-for-new-mexico-homeowners/) - A forbearance allows the homeowner to pause three months’ mortgage payments without having it affect your credit score or having it counted as being delinquent in payments.
- [Options For Home Owners During Covid-19](https://indigomortgage.net/options-for-home-owners-during-covid-19/) - Right now, the average refinance rate on a 30-year fixed-rate mortgage is at historic lows.
- [The Importance of Mortgage Pre-Approval](https://indigomortgage.net/the-importance-of-mortgage-pre-approval/) - The real estate market is very competitive and with mortgage rates at historic lows, many people are making offers on homes.
- [Getting a Mortgage during COVID-19](https://indigomortgage.net/getting-a-mortgage-during-covid-19/) - Mortgage interest rates have declined to the lowest in history but there are still some challenges out there for people buying or refinancing a home.
- [VA ReFis: Compare the Rates and Closing Costs](https://indigomortgage.net/va-refis-compare-the-rates-and-closing-costs/) - Veterans with an existing mortgage have seen that interest rates are at record lows for Streamline loans or what we call IRRLs, Interest Rate Reduction Loans.
- [No Down Payment on VA Jumbo Loans](https://indigomortgage.net/no-down-payment-on-va-jumbo-loans/) - In 2020, the Veterans Administration has recently done away with down payments for VA Jumbo loans.
- [The Difference Between Rate & APR](https://indigomortgage.net/the-difference-between-rate-apr/) - The difference between APR and interest rate is that the APR (annual percentage rate) is the total cost of the loan including interest rate and all fees.
- [The Importance of a Pre-Approval](https://indigomortgage.net/the-importance-of-a-pre-approval/) - One way to set your offer apart is to accompany your offer to the seller with a Pre-approval vs just a pre-qualification.
- [New Mexico Market Updates](https://indigomortgage.net/new-mexico-market-updates/) - With COVID -19 disrupting the mortgage market, there have been many unexpected changes. Here's where things are in the mortgage industry right now.
- [Compare Origination and Discount](https://indigomortgage.net/compare-origination-and-discount/) - At Indigo Mortgage, we want to give New Mexico borrowers some advice on what questions to ask and what information they need to receive a quality mortgage rate quote.
- [Cash-Out: Hard To Find](https://indigomortgage.net/cash-out-hard-to-find/) - COVID-19 has had a huge impact on many areas of life, specifically the job market and employment. The team at Indigo Mortgage is here to inform you of changing loan programs during the pandemic.
- [Forbearance Warning](https://indigomortgage.net/forbearance-warning/) - During these uncertain times, there are many options available for homeowners when it comes to their home mortgage loan, specifically mortgage forbearance. We are here to help educate you about mortgage forbearance.
- [What Sets a Mortgage Broker Apart](https://indigomortgage.net/what-sets-a-mortgage-broker-apart/) - At Indigo Mortgage New Mexico, we consider ourselves true mortgage brokers. Here are a few things that set us apart from other types of mortgage lenders and home mortgage companies.
- [Have Some Patience](https://indigomortgage.net/have-some-patience/) - With everything going on, it is important to stay patient. This is something we want to encourage our mortgage borrowers to do when going through the process for a home loan. Here’s why.
- [Influence of COVID-19 on Mortgages](https://indigomortgage.net/influence-of-covid-19-on-mortgages/) - The state of the world today during the COVID 19 virus has made an impact on many areas of life, one of which includes the housing market. During this unprecedented time, here’s what you should know about home mortgages.
- [The Truth About No Closing Cost Mortgages](https://indigomortgage.net/the-truth-about-no-closing-cost-mortgages/) - With home mortgage interest rates reaching an all-time low again, many homeowners are thinking of refinancing. There are some lenders out there promoting no closing cost mortgages, however, these come with a lot of fine print. Here’s what you need to know about these offers.
- [Updated Ticker List 2020](https://indigomortgage.net/updated-ticker-list-2020/) - There have been many changes in the world recently. Those changes include fluctuations in home mortgage rates. Here’s how Indigo Mortgage can help borrowers lock in lower rates with our Ticker List.
- [Home Mortgage Forbearance: COVID-19](https://indigomortgage.net/home-mortgage-forbearance-covid-19/) - We will cover a new program that allows homeowners affected by COVID-19 to receive assistance with their home mortgage payments.
- [Indigo Mortgage: Essential Business](https://indigomortgage.net/indigo-mortgage-essential-business/) - Indigo Mortgage New Mexico is considered an essential business under the shelter in place ruling, which has allowed us to continue to serve the people of New Mexico.
- [Indigo Mortgage Ticker List](https://indigomortgage.net/indigo-mortgage-ticker-list/) - Everything going on in the world has had a huge impact on the stock market as well as home mortgage rates, especially in New Mexico. Below is our take on what’s going on and how we can help.
- [A Message from Ben about Covid-19](https://indigomortgage.net/a-message-from-ben-about-covid-19/) - With all that’s going on today in the world, Covid-19 is at the forefront of many of our thoughts.
- [Ticker List 2020](https://indigomortgage.net/ticker-list-2020/) - Over the last week here in mid-March 2020, there have been dramatic swings in the stock market as well as with mortgage interest rates.
- [What is a Mortgage Broker?](https://indigomortgage.net/what-is-a-mortgage-broker/) - At Indigo Mortgage New Mexico, we consider ourselves true mortgage brokers. Below we will explain the key differences between a broker and other types of mortgage companies.
- [What The Fed's Emergency Rate Cut Means For Mortgage Rates](https://indigomortgage.net/what-the-feds-emergency-rate-cut-means-for-mortgage-rates/)
- [Reasons To Stay Local For Your 2020 Home Purchase](https://indigomortgage.net/reasons-to-stay-local-for-your-2020-home-purchase/) - When purchasing a home, it’s very important to take the interest rate of the home loan into consideration, but there are also other things to consider when looking for a mortgage.
- [VA Streamline Opportunities for 2020](https://indigomortgage.net/va-streamline-opportunities-for-2020/) - Now that interest rates are at a historic low, homeowners are taking advantage of special programs available, which include VA Streamline Loans for Veterans.
- [National Lenders Are Not Always The Best Option](https://indigomortgage.net/national-lenders-are-not-always-the-best-option/) - When it comes to your home mortgage, a low-interest rate is great, but it can be too good to be true. Here’s why you should proceed with caution.
- [Pre-approval VS Pre-qualification](https://indigomortgage.net/pre-approval-vs-pre-qualification/) - Here’s the difference between pre-approval and pre-qualification, and how they affect you as a buyer.
- [Lower Rates: Stronger Offer](https://indigomortgage.net/lower-rates-stronger-offer/) - When purchasing a home, it’s very important to take the interest rate of the home loan into consideration.
- [VA Loan Programs for 2020](https://indigomortgage.net/va-loan-programs-for-2020/) - VA mortgage loans have made dramatic changes over the last few months. Here are some of the most recent changes.
- [Changes to Mortgage Programs for 2020](https://indigomortgage.net/changes-to-mortgage-programs-for-2020/) - There have been many changes in the world of mortgage loans for 2020. These changes have a big impact on borrowers, especially those located in New Mexico.
- [Beware of Extremely Low Interest Rates](https://indigomortgage.net/beware-of-extremely-low-interest-rates/) - When it comes to your mortgage loan, low rates are great, but they can sometimes be too good to be true. Here's what to look out for.
- [Confident Borrowers](https://indigomortgage.net/confident-borrowers/)
- [The Pre-Qualification Process and Why It's Important to Stay Local](https://indigomortgage.net/the-pre-qualification-process-and-why-its-important-to-stay-local/)
- [Who Shops a Mortgage Around?](https://indigomortgage.net/who-shops-a-mortgage-around/)
- [Beware of Imposters: A Note from Ben Lucero](https://indigomortgage.net/beware-of-imposters-a-note-from-ben-lucero/)
- [Full-Refinance or Taking Out a Second Mortgage Equity Loan?](https://indigomortgage.net/full-refinance-or-taking-out-a-second-mortgage-equity-loan/)
- [What To Know When Refinancing Your Mortgage Loan](https://indigomortgage.net/what-to-know-when-refinancing-your-mortgage-loan/)
- [Indigo Mortgage: Advocates for Buyers](https://indigomortgage.net/indigo-mortgage-advocates-for-buyers/)
- [Mortgage Changes To Come In 2020](https://indigomortgage.net/mortgage-changes-to-come-in-2020/)
- [Reverse Mortgage and What Seniors Should Expect](https://indigomortgage.net/reverse-mortgage-and-what-seniors-should-expect/)
- [IRRRL Opportunities For 2020](https://indigomortgage.net/irrrl-opportunities-for-2020/)
- [Come to Indigo Mortgage for Your Construction Loan](https://indigomortgage.net/come-to-indigo-mortgage-for-your-construction-loan/)
- [Stay Local for Your Purchase](https://indigomortgage.net/stay-local-for-your-purchase/)
- [Save Thousands of Dollars by Shopping Your Mortgage](https://indigomortgage.net/save-thousands-of-dollars-by-shopping-your-mortgage/)
- [First Time Home Buyer Loans](https://indigomortgage.net/first-time-home-buyer-loans/)

## Pages

- [indigo mortgage](https://indigomortgage.net/) - Indigo Mortgage Colorado is a mortgage broker for VA loans, residential mortgages, refinances, and construction loans. Shop your mortgage for lower fees and interest rates.
- [Our Team](https://indigomortgage.net/our-team/) - Indigo Mortgage serves the mortgage loan needs of home buyers and business owners across New Mexico. No one cares more about your mortgage loan!
- [VA Loans](https://indigomortgage.net/va-loans/) - Indigo Mortgage is one of the region's top VA mortgage brokers, offering lower fees and lower rates on VA home loans, Refi's, and interest rate reduction loans.
- [Loan Checklists](https://indigomortgage.net/loan-checklists/)
- [Commercial Loans](https://indigomortgage.net/commercial/) - Indigo Mortgage New Mexico offers commercial mortgages for New Mexico business owners. Lower fees, lower rates when you shop your mortgage loan. Call us to get started.
- [Residential Mortgages](https://indigomortgage.net/residential/) - Residential home loans with lower fees, lower rates. Contact Indigo Mortgage for new home loans, refinances, or home equity lines of credit across NM.
- [Online Application](https://indigomortgage.net/online-application/)
- [Meet Ben](https://indigomortgage.net/meet-ben/) - Ben Lucero, mortgage broker for Indigo Mortgage, serving New Mexico and those looking for residential, commercial, VA and construction loans.
- [Quick Loan Analysis](https://indigomortgage.net/quick-analysis/) - Get a quick analysis or mortgage preapproval from Indigo Mortgage New Mexico. Answers to all your mortgage questions, plus lower fees and lower rates. Call us today.
- [Reverse Mortgage](https://indigomortgage.net/reverse-mortgage/) - A reverse mortgage is an option for senior homeowners to remain in their home. Learn more from Indigo Mortgage in Albuquerque, serving NM since 2003.
- [Construction Loans](https://indigomortgage.net/construction/) - Lower fees, lower rates, and one-time close construction loans at Indigo Mortgage New Mexico. Call us for the mortgage as you prepare to build your dream home.
- [Mortgage Pre-Qualification](https://indigomortgage.net/pre-qualification/)
- [Blog](https://indigomortgage.net/blog-2/) - Learn about mortgages and interest rates from Ben Lucero of Indigo Mortgage, heard weekly on KKOB radio. We've served New Mexico homeowners since 2003.
- [Mortgage Calculator](https://indigomortgage.net/mortgage-calculator/) - For an estimate on a mortgage payment, use the Indigo Mortgage New Mexico mortgage calculator, our quick analysis contact form, or our online mortgage app.
- [FAQs](https://indigomortgage.net/faqs/) - Learn about frequently asked questions about Residential Home loans, VA loans, construction or commercial loans from Indigo Mortgage, serving all of New Mexico's mortgage needs.
- [Contact](https://indigomortgage.net/contact/)
- [About Us](https://indigomortgage.net/about-us/) - Indigo Mortgage New Mexico is a mortgage broker specializing in Residential, conventional loans and refinances, construction loans, commercial loans and VA loans. Lower fees, lower rates.
- [First-Time Homebuyers](https://indigomortgage.net/first-time-homebuyers/) - First time homebuyers -- turn to Indigo Mortgage New Mexico for lower fees and lower rates, easy preapproval, and an online mortgage application. We'll make it easy!
- [Covid-19 Precautions](https://indigomortgage.net/covid-19-precautions/)
- [On The Radio](https://indigomortgage.net/on-the-radio/)
- [Resources](https://indigomortgage.net/resources/)
- [The 10 Commandments](https://indigomortgage.net/the-10-commandments/)
- [Our Blog](https://indigomortgage.net/our-blog/)
- [Watch](https://indigomortgage.net/watch/)
- [Terms & Conditions of Use](https://indigomortgage.net/terms-conditions-of-use/)
- [Privacy Policy](https://indigomortgage.net/privacy-policy/)
- [Testimonials](https://indigomortgage.net/testimonials/)
- [Services](https://indigomortgage.net/services/)

## Audio Items

- [Real Estate Report December 31st 2024](https://indigomortgage.net/audio/radi70/)
- [Real Estate Report December 24th 2024](https://indigomortgage.net/audio/radi69/)
- [gall5](https://indigomortgage.net/audio/gall5/)
- [Real Estate Report December 17th 2024](https://indigomortgage.net/audio/radi68/)
- [Real Estate Report November 19 2024](https://indigomortgage.net/audio/real-estate-report-november-19-2024/)
- [Real Estate Report November 26 2024](https://indigomortgage.net/audio/real-estate-report-november-26-2024/)
- [Real Estate Report November 12 2024](https://indigomortgage.net/audio/real-estate-report-november-12-2024/)
- [Real Estate Report October 29 2024](https://indigomortgage.net/audio/real-estate-report-october-29-2024/)
- [Real Estate Report September 10 2024](https://indigomortgage.net/audio/real-estate-report-september-10-2024/)
- [Real Estate Report September 24 2024](https://indigomortgage.net/audio/real-estate-report-september-24-2024/)
- [Real Estate Report September 17 2024](https://indigomortgage.net/audio/real-estate-report-september-17-2024/)
- [Real Estate Report August 13 2024](https://indigomortgage.net/audio/real-estate-report-august-13-2024/)
- [Real Estate Report July 30 2024](https://indigomortgage.net/audio/real-estate-report-july-30-2024/)
- [Real Estate Report August 6 2024](https://indigomortgage.net/audio/real-estate-report-august-6-2024/)
- [Real Estate Report July 23 2024](https://indigomortgage.net/audio/real-estate-report-july-23-2024/)
- [Real Estate Report July 9 2024](https://indigomortgage.net/audio/real-estate-report-july-9-2024/)
- [Real Estate Report July 16 2024](https://indigomortgage.net/audio/real-estate-report-july-16-2024/)
- [Real Estate Report July 2 2024](https://indigomortgage.net/audio/real-estate-report-july-2-2024/)
- [Real Estate Report June 18 2024](https://indigomortgage.net/audio/real-estate-report-june-18-2024/)
- [Real Estate Report June 11 2024](https://indigomortgage.net/audio/real-estate-report-june-11-2024/)
- [Real Estate Report June 4 2024](https://indigomortgage.net/audio/real-estate-report-june-4-2024/)
- [Real Estate Report May 28 2024](https://indigomortgage.net/audio/real-estate-report-may-28-2024-2/)
- [Real Estate Report May 21 2024](https://indigomortgage.net/audio/real-estate-report-may-21-2024/)
- [Real Estate Report May 14 2024](https://indigomortgage.net/audio/real-estate-report-may-14-2024/)
- [Real Estate Report May 7 2024](https://indigomortgage.net/audio/real-estate-report-may-7-2024/)
- [Apr 30 2024 Real Estate Report](https://indigomortgage.net/audio/apr-30-2024-real-estate-report/)
- [Apr 23 2024 Real Estate Report](https://indigomortgage.net/audio/apr-23-2024-real-estate-report/)
- [April 16, 2024 Real Estate Report](https://indigomortgage.net/audio/april-16-2024-real-estate-report/)
- [April 9, 2024 Real Estate Report](https://indigomortgage.net/audio/april-9-2024-real-estate-report/)
- [Nov 28, 2023 Real Estate Report](https://indigomortgage.net/audio/real-estate-report-nov-28-2023/)
- [Nov 28, 2023 Real Estate Report](https://indigomortgage.net/audio/nov-28-2023-real-estate-report/)
- [Nov 21, 2023 Real Estate Report](https://indigomortgage.net/audio/real-estate-report-nov-21-2023/)
- [Nov 21, 2023 Real Estate Report](https://indigomortgage.net/audio/nov-21-2023-real-estate-report/)
- [April 11, 2023 Why Use a Mortgage Broker](https://indigomortgage.net/audio/why-use-a-mortgage-broker-apr-11-2023/)
- [April 11, 2023 Why Use a Mortgage Broker](https://indigomortgage.net/audio/april-11-2023-why-use-a-mortgage-broker/)
- [April 4, 2023 What Influences Mortgage Rates](https://indigomortgage.net/audio/what-influences-mortgage-rates-apr-4-2023/)
- [April 4, 2023: What Influences Mortgage Rates](https://indigomortgage.net/audio/april-4-2023-what-influences-mortgage-rates/)
- [May 18, 2021: Fannie Mae & Freddie Mac Announcement](https://indigomortgage.net/audio/may-18-2021-fannie-mae-freddie-mac-announcement/)
- [August 24, 2021: Mortgage Update](https://indigomortgage.net/audio/august-24-2021-mortgage-update/)
- [August 17, 2021: Credit Explained](https://indigomortgage.net/audio/indigo-2aug17/)
- [August 2, 2021: Don't Be Too Quick](https://indigomortgage.net/audio/indigo-1aug9/)
- [May 11, 2021: RESPA and Servicers](https://indigomortgage.net/audio/may-11-2021-respa-and-servicers/)
- [May 4, 2021:Servicing Escrow Accounts](https://indigomortgage.net/audio/may-4-2021servicing-escrow-accounts/)
- [April 27, 2021:National Guard Eligibility](https://indigomortgage.net/audio/april-27-2021-national-guard-eligibility/)
- [March 30, 2021:Shop VA Streamline Rate](https://indigomortgage.net/audio/indigo-mortgage-january-12-2021/)
- [March 23, 2021:The Importance of a Mortgage Pre-Approval](https://indigomortgage.net/audio/march-23-2021/)
- [March 16, 2021:Mortgage Rate is not an Idol](https://indigomortgage.net/audio/march-16-2021/)
- [March 9, 2021:What's Ahead for Mortgage Rates](https://indigomortgage.net/audio/march-9-2021/)
- [Feb 23, 2021: The Importance of Prequalifying](https://indigomortgage.net/audio/feb-23-2021-the-importance-of-prequalifying/)
- [Feb 16, 2021: What to Know about VA IRRRLs](https://indigomortgage.net/audio/feb-16-2021-what-to-know-about-va-irrrls/)
- [Feb 09, 2021: Fees Affect Your Mortgage Rate](https://indigomortgage.net/audio/feb-09-2021-fees-affect-your-mortgage-rate/)
- [Feb 02, 2021: The Loan Process at Indigo Mortgage](https://indigomortgage.net/audio/feb-02-2021-the-loan-process-at-indigo-mortgage/)
- [January 12, 2021: NM What to consider when refinancing](https://indigomortgage.net/audio/january-12-2021-nm-what-to-consider-when-refinancing/)
- [January 5, 2021: VA Loans and “Zero Down”](https://indigomortgage.net/audio/november-10-2020-importance-of-a-local-lender-2/)
- [December 22, 2020: Why use a mortgage broker?](https://indigomortgage.net/audio/december-22-2020-why-use-a-mortgage-broker/)
- [December 15, 2020: What is a Second Mortgage Lien?](https://indigomortgage.net/audio/december-15-2020-what-is-a-second-mortgage-lien/)
- [December 8, 2020: Not all Home Loans are Alike](https://indigomortgage.net/audio/december-8-2020-not-all-home-loans-are-alike/)
- [November 10, 2020: Importance of a local lender](https://indigomortgage.net/audio/november-10-2020-importance-of-a-local-lender/)
- [November 03, 2020: VA Cash Out](https://indigomortgage.net/audio/november-03-2020-va-cash-out/)
- [October 27, 2020: Streamlines IRRL](https://indigomortgage.net/audio/october-27-2020-streamlines-irrl/)
- [October 20, 2020: Adverse Market Fee](https://indigomortgage.net/audio/october-20-2020-adverse-market-fee/)
- [September 1, 2020: COVID-19 Mortgage Forbearance News](https://indigomortgage.net/audio/september-1-2020-covid-19-mortgage-forbearance-news-2/)
- [September 8, 2020: NO DOWN PAYMENTS!!!](https://indigomortgage.net/audio/september-8-2020-no-down-payments/)
- [August 25, 2020: VA Home Loan Opportunities](https://indigomortgage.net/audio/august-25-2020-va-home-loan-opportunities/)
- [August 18, 2020: Importance of Pre-Approval](https://indigomortgage.net/audio/august-18-2020-importance-of-pre-approval/)
- [August 25 - VA Home Loans](https://indigomortgage.net/audio/august-25-va-home-loans/)
- [August 11, 2020: VETS get lower interest rates!](https://indigomortgage.net/audio/august-11-2020-vets-get-lower-interest-rates/)
- [July 21, 2020: Disrupted Lives and the Mortgage Industry](https://indigomortgage.net/audio/may-19-2020-have-patience/)
- [July 28, 2020: COVID-19 Latest Mortgage News](https://indigomortgage.net/audio/august-4-2020-why-a-loan-pre-approval-is-important/)
- [July 14, 2020: Have Patience](https://indigomortgage.net/audio/may-19-2020-have-patience-2/)
- [May 19, 2020: Have Patience](https://indigomortgage.net/audio/may-19-2020-have-patience-3/)
- [August 4, 2020: Why a Loan Pre-Approval is Important](https://indigomortgage.net/audio/august-4-2020-why-a-loan-pre-approval-is-important-2/)
- [May 12: Mortgage Brocker](https://indigomortgage.net/audio/radi9/)
- [Feb 25, 2020: VA Streamline Loans](https://indigomortgage.net/audio/feb-11-2020-homes-selling-fast-full-price/)
- [Feb 18, 2020: Historically Low Interest Rates](https://indigomortgage.net/audio/feb-18-2020-historically-low-interest-rates/)
- [Feb 11, 2020: Homes Selling Fast, Full Price](https://indigomortgage.net/audio/feb-4-2020-all-time-low-interest-rates/)
- [Feb 4, 2020: All Time Low Interest Rates.](https://indigomortgage.net/audio/jan-14-2020-a-warning-about-low-interest-rates/)
- [Jan 28, 2020: Big Changes in VA Mortgage Loans](https://indigomortgage.net/audio/radi3/)
- [Jan 14, 2020: A Warning About Low Interest Rates.](https://indigomortgage.net/audio/radi1/)
- [Jan 21 2020: Major Changes to Lending Programs in 2020](https://indigomortgage.net/audio/radi2/)
- [New VA Changes Coming in 2020](https://indigomortgage.net/audio/new-va-changes-coming-in-2020/)
- [What To Know When Refinancing Your Mortgage Loan](https://indigomortgage.net/audio/what-to-know-when-refinancing-your-mortgage-loan/)
- [Rebel Song 12345](https://indigomortgage.net/audio/rebel-song-12345/)
- [Longer extra html](https://indigomortgage.net/audio/longer-extra-html/)
- [gall4](https://indigomortgage.net/audio/gall4/)

## Portfolio

- [Lorem Ipsum](https://indigomortgage.net/portfolio/lorem-ipsum/)
- [Night City](https://indigomortgage.net/portfolio/night-city-2/)
- [Steel Structure Bridge](https://indigomortgage.net/portfolio/steel-structure-bridge/)
- [Milenium Bridge](https://indigomortgage.net/portfolio/milenium-bridge/)
- [Modern Living Room](https://indigomortgage.net/portfolio/modern-living-room/)
- [Modern Bridge](https://indigomortgage.net/portfolio/modern-bridge/)
- [Modern Interior](https://indigomortgage.net/portfolio/modern-interior/)
- [Bridge 1](https://indigomortgage.net/portfolio/bridge-1/)
- [Modern Office](https://indigomortgage.net/portfolio/modern-office/)
- [London](https://indigomortgage.net/portfolio/london/)
- [Living Room](https://indigomortgage.net/portfolio/living-room/)
- [Empty Street](https://indigomortgage.net/portfolio/empty-street/)
- [Metal Grid](https://indigomortgage.net/portfolio/metal-grid/)
- [Modern Architecture](https://indigomortgage.net/portfolio/modern-architecture/)
- [Rendering](https://indigomortgage.net/portfolio/rendering/)
- [Office Building](https://indigomortgage.net/portfolio/office-building/)
- [Foot Bridge](https://indigomortgage.net/portfolio/foot-bridge/)
- [Engineer Building](https://indigomortgage.net/portfolio/engineer-building/)
- [Buildings](https://indigomortgage.net/portfolio/buildings/)
- [Night City](https://indigomortgage.net/portfolio/night-city/)

## Categories

- [Uncategorized](https://indigomortgage.net/category/uncategorized/)
- [News](https://indigomortgage.net/category/news/)
- [Pre-Approvals](https://indigomortgage.net/category/pre-approvals/)
- [Residential Home Loans](https://indigomortgage.net/category/residential-home-loans/)
- [COVID-19](https://indigomortgage.net/category/covid-19/)
- [VA Home Loans](https://indigomortgage.net/category/va-home-loans/)
- [Refinancing](https://indigomortgage.net/category/refinancing/)
- [Mortgage Rate](https://indigomortgage.net/category/mortgage-rate/)
- [Construction](https://indigomortgage.net/category/construction/)
- [Selling homes](https://indigomortgage.net/category/selling-homes/)
- [Credit Scores](https://indigomortgage.net/category/credit-scores/)
- [Down Payment](https://indigomortgage.net/category/down-payment/)

## Tags

- [mortgage rates](https://indigomortgage.net/tag/mortgage-rates/)
- [Mortgages](https://indigomortgage.net/tag/mortgages/)
- [FHA loan](https://indigomortgage.net/tag/fha-loan/)
- [online mortgage lender](https://indigomortgage.net/tag/online-mortgage-lender/)
- [Reverse Mortgage](https://indigomortgage.net/tag/reverse-mortgage/)
- [VA loan](https://indigomortgage.net/tag/va-loan/)
- [Reverse Mortgage Consultation](https://indigomortgage.net/tag/reverse-mortgage-consultation/)
- [reverse mortgage guidelines Albuquerque](https://indigomortgage.net/tag/reverse-mortgage-guidelines-albuquerque/)
- [Mortgage Broker Mortgage](https://indigomortgage.net/tag/mortgage-broker-mortgage/)
- [Broker](https://indigomortgage.net/tag/broker/)
- [prequalification](https://indigomortgage.net/tag/prequalification/)
- [prequalification process](https://indigomortgage.net/tag/prequalification-process/)
- [Local Mortgage Broker](https://indigomortgage.net/tag/local-mortgage-broker/)
- [Albuquerque Mortgage Broker](https://indigomortgage.net/tag/albuquerque-mortgage-broker/)
- [fullrefinance](https://indigomortgage.net/tag/fullrefinance/)
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- [VA jumbo loans](https://indigomortgage.net/tag/va-jumbo-loans/)
- [va loans new mexico](https://indigomortgage.net/tag/va-loans-new-mexico/)
- [veteran loans in new mexico](https://indigomortgage.net/tag/veteran-loans-in-new-mexico/)
- [new mexico va loans](https://indigomortgage.net/tag/new-mexico-va-loans/)
- [Veterans](https://indigomortgage.net/tag/veterans/)
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- [VA loans](https://indigomortgage.net/tag/va-loans/)
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- [Fees](https://indigomortgage.net/tag/fees/)
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- [Best mortgage rates](https://indigomortgage.net/tag/best-mortgage-rates/)
- [Local mortgage lenders](https://indigomortgage.net/tag/local-mortgage-lenders/)
- [Indigo Mortgage](https://indigomortgage.net/tag/indigo-mortgage/)
- [New Mexico home buyers](https://indigomortgage.net/tag/new-mexico-home-buyers/)
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- [Mortgage commandments](https://indigomortgage.net/tag/mortgage-commandments/)
- [Home loan process](https://indigomortgage.net/tag/home-loan-process/)
- [Avoid mortgage pitfalls](https://indigomortgage.net/tag/avoid-mortgage-pitfalls/)
- [Mortgage down payment](https://indigomortgage.net/tag/mortgage-down-payment/)
- [Mortgage credit](https://indigomortgage.net/tag/mortgage-credit/)
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- [Rehab vs Sell Home](https://indigomortgage.net/tag/rehab-vs-sell-home/)
- [Rehab loans](https://indigomortgage.net/tag/rehab-loans/)
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- [Real estate market](https://indigomortgage.net/tag/real-estate-market/)
- [Home equity loan](https://indigomortgage.net/tag/home-equity-loan/)
- [Home equity line of credit](https://indigomortgage.net/tag/home-equity-line-of-credit/)
- [Future home value](https://indigomortgage.net/tag/future-home-value/)
- [New Day USA fine](https://indigomortgage.net/tag/new-day-usa-fine/)
- [shop VA mortgage](https://indigomortgage.net/tag/shop-va-mortgage/)
- [VA lender](https://indigomortgage.net/tag/va-lender/)
- [VA loan comparison](https://indigomortgage.net/tag/va-loan-comparison/)
- [veteran mortgage](https://indigomortgage.net/tag/veteran-mortgage/)
- [trusted VA loan broker](https://indigomortgage.net/tag/trusted-va-loan-broker/)
- [anti-money laundering](https://indigomortgage.net/tag/anti-money-laundering/)
- [AML regulations](https://indigomortgage.net/tag/aml-regulations/)
- [mortgage lending](https://indigomortgage.net/tag/mortgage-lending/)
- [down payment verification](https://indigomortgage.net/tag/down-payment-verification/)
- [real estate](https://indigomortgage.net/tag/real-estate/)
- [money laundering prevention](https://indigomortgage.net/tag/money-laundering-prevention/)
- [source of funds](https://indigomortgage.net/tag/source-of-funds/)
- [underwriter requirements](https://indigomortgage.net/tag/underwriter-requirements/)
- [financial scrutiny](https://indigomortgage.net/tag/financial-scrutiny/)
- [real estate market integrity](https://indigomortgage.net/tag/real-estate-market-integrity/)
- [housing market](https://indigomortgage.net/tag/housing-market/)
- [home buying](https://indigomortgage.net/tag/home-buying/)
- [indigomortgage.net](https://indigomortgage.net/tag/indigomortgage-net/)
- [market trends](https://indigomortgage.net/tag/market-trends/)
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- [mortgage strategy](https://indigomortgage.net/tag/mortgage-strategy/)
- [preapproval](https://indigomortgage.net/tag/preapproval/)
- [credit report](https://indigomortgage.net/tag/credit-report/)
- [residential mortgage](https://indigomortgage.net/tag/residential-mortgage/)
- [VA refi](https://indigomortgage.net/tag/va-refi/)
- [online mortgage](https://indigomortgage.net/tag/online-mortgage/)
- [mortgage application](https://indigomortgage.net/tag/mortgage-application/)
- [online lender](https://indigomortgage.net/tag/online-lender/)
- [VA mortgage loans](https://indigomortgage.net/tag/va-mortgage-loans/)
- [veteran home loans](https://indigomortgage.net/tag/veteran-home-loans/)
- [VA loan benefits](https://indigomortgage.net/tag/va-loan-benefits/)
- [VA loan Albuquerque](https://indigomortgage.net/tag/va-loan-albuquerque/)
- [no mortgage insurance](https://indigomortgage.net/tag/no-mortgage-insurance/)
- [VA funding fee](https://indigomortgage.net/tag/va-funding-fee/)
- [veteran eligibility](https://indigomortgage.net/tag/veteran-eligibility/)
- [VA loan options](https://indigomortgage.net/tag/va-loan-options/)
- [mortgage fees](https://indigomortgage.net/tag/mortgage-fees/)
- [New Mexico mortgage](https://indigomortgage.net/tag/new-mexico-mortgage/)
- [affordable mortgage options](https://indigomortgage.net/tag/affordable-mortgage-options/)
- [accountable lenders](https://indigomortgage.net/tag/accountable-lenders/)
- [VA loan rates](https://indigomortgage.net/tag/va-loan-rates/)
- [VA closing costs](https://indigomortgage.net/tag/va-closing-costs/)
- [veterans mortgage](https://indigomortgage.net/tag/veterans-mortgage/)
- [lower VA fees](https://indigomortgage.net/tag/lower-va-fees/)
- [VA interest rates](https://indigomortgage.net/tag/va-interest-rates/)
- [affordable VA loans](https://indigomortgage.net/tag/affordable-va-loans/)
- [mortgage company](https://indigomortgage.net/tag/mortgage-company/)
- [Albuquerque mortgage company](https://indigomortgage.net/tag/albuquerque-mortgage-company/)

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