When interest rates drop, many homeowners immediately start thinking about refinancing their mortgage. On the surface, it sounds like a simple decision—lower rates mean lower payments, right? But the truth is, refinancing isn’t always the best financial move, even if you qualify for a reduced rate. At Indigo Mortgage, we believe in shooting straight with

Many prospective homebuyers in Albuquerque are holding off on purchasing a home, hoping that mortgage rates will drop. But according to Ben Lucero, President of Indigo Mortgage, that strategy might end up costing more in the long run. The Risk of Waiting for Mortgage Rates to Drop Lucero explains that while today’s rates might seem

In today’s fast-moving real estate market, choosing the right lender is just as important as finding the right home. Ben Lucero, President of Indigo Mortgage in Albuquerque, emphasizes that staying local isn’t just a matter of convenience—it’s a smart and strategic move for homebuyers in 2025. Why Staying Local Matters in the Mortgage Process Buying

  At Indigo Mortgage in Albuquerque, owner Ben Lucero has been hearing from many potential homebuyers—especially first-time buyers—who are hesitant to purchase because of current interest rates. While it’s natural to want to hold off for a lower rate, Lucero cautions that waiting could actually put buyers in a worse financial position. Why Waiting Could

When it comes to managing mortgage payments and home equity, many borrowers overlook a helpful financial tool known as a mortgage recast. According to Ben Lucero, owner of Indigo Mortgage in Albuquerque, a recast can be a powerful way for homeowners to reduce their monthly mortgage payments—without the hassle or cost of refinancing. What Is

If you’re in the market for a mortgage, you’ve likely seen flashy ads from national internet lenders. They promise incredibly low rates, lightning-fast pre-approvals, and the ease of applying with just a few clicks. Sounds convenient, right? But here’s the truth: what you see isn’t always what you get. If a local mortgage broker can

In today’s fast-moving real estate market, especially here in New Mexico, buyers need every advantage they can get. With limited housing inventory and multiple buyers often competing for the same property, having a mortgage pre-approval in hand can make all the difference. Ben Lucero, owner of Indigo Mortgage, explains why getting a full pre-approval—not just

With mortgage rates shifting once again, many homeowners and homebuyers are considering refinancing or purchasing a new home. But as Ben Lucero, owner of Indigo Mortgage in Albuquerque, explains that not all mortgage offers are created equal — even when the rates appear similar. Why You Should Look Beyond the Rate One of the biggest

Insights from Ben Lucero at Indigo Mortgage When you’re buying a home or refinancing, choosing the right mortgage partner can make all the difference. In today’s competitive market, working with a mortgage broker—rather than going directly to a big bank or retail lender—can give you key advantages. According to Ben Lucero, owner of Indigo Mortgage,

Understanding the Latest VA Mortgage Loan Updates Veterans have access to some of the most advantageous mortgage loan options available, and Indigo Mortgage is here to help them navigate these opportunities in both New Mexico and Colorado. Ben Lucero, a trusted mortgage expert, emphasizes the importance of understanding the latest updates regarding VA mortgage loans.