When it comes to buying a home or refinancing your current mortgage, the choices can feel overwhelming. Should you work with your bank? Apply online with a national lender? Or choose a local mortgage broker who can shop around on your behalf? According to Ben Lucero, owner of Indigo Mortgage in Albuquerque, NM, borrowers who

With mortgage rates dropping once again, many Albuquerque, NM homeowners are considering refinancing or exploring new loan options. Whether you’re looking to lower your rate, shorten your term, or tap into home equity, being prepared for your mortgage inquiry can make the process smoother and ensure you receive the most accurate and competitive proposal. Ben

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. But before you sign anything, it’s crucial to shop your mortgage around. Unfortunately, not every lender has your best interest in mind—and some are taking advantage of veterans through inflated

With mortgage rates finally beginning to drop and housing inventory remaining tight, many potential New Mexico homebuyers are stepping off the sidelines and making offers. In this kind of competitive real estate environment, having a pre-approval—not just a pre-qualification—can make all the difference. Pre-Approval vs. Pre-Qualification: What’s the Difference? A pre-qualification is an initial review

Recently, Rocket Mortgage has been making headlines with massive acquisitions. From buying Redfin Realty to acquiring Mr. Cooper, one of the country’s largest mortgage servicers, Rocket appears to be building an empire designed to control every stage of the homebuying process. On the surface, “bigger” might sound like “better.” But according to Ben Lucero of

Buying your first home is one of the most exciting milestones in life, but it can also be overwhelming. Studies show that many first-time home buyers feel completely unprepared for the mortgage process. In New Mexico, where housing markets are competitive and lending rules can feel confusing, preparation is key. That’s where Ben Lucero and

When you’re ready to apply for a mortgage, one of the most important questions you can ask is: who do you use? In the mortgage industry, there are mortgage brokers, usually independent businesses with a variety of mortgage products, or loan officers, who typically work for one specific lender. Who your loan officer actually works

With mortgage rates expected to drop soon, many homeowners and buyers are preparing to come off the sidelines. But for many, the thought of applying for a mortgage brings anxiety. Between the paperwork, the regulations, and today’s impersonal online systems, it can feel overwhelming. At Indigo Mortgage, company president Ben Lucero and his team believe

Most experts believe mortgage rates will “break loose” and start dropping by the end of the year. For homeowners currently locked into higher rates, this is welcome news. Refinancing into a lower rate could save hundreds of dollars a month and tens of thousands over the life of a loan. But here’s the key: the

With mortgage rates beginning to come down, many veterans are once again exploring their options—whether that’s purchasing a new home or refinancing their current mortgage. A home loan is one of the largest financial decisions a veteran will make, and choosing the right lender can save thousands of dollars over the life of the loan.