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.

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. A lower interest rate can reduce your monthly payment and save you money over the life of your loan. However, as Ben Lucero of Indigo Mortgage explains, borrowers should be

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