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Residential mortgage loans and mortgage refinances for Albuquerque, Rio Rancho, Santa Fe, and all of New Mexico are available at Indigo Mortgage, one of the state’s leading mortgage brokers. Many types of home loans and refinancing options are available today, including HARP 2.0, FHA Streamline, purchases and refinances for Conventional and FHA loans.

We stay informed on the latest developments in the mortgage industry so that we can best serve our homebuyers’ mortgage needs. If you have any questions on a mortgage loan or on refinancing, use our Quick Loan Analysis form. It’s fast, easy, and doesn’t require a lot of information. If you’d prefer to discuss over the phone, please call us at 505-836-5700.

Below you will find information on the supporting documents you will need for the residential home loan process.

Residential Home Purchases

Free Pre-Approvals so you know what price range of homes to consider
Call our office for a quick 10 minute interview
We offer a free 1st time home buyers seminar. Call to schedule a time
Conventional 97% Loan to Value (3% down)
FHA 3.5% Down
VA 100% loans with no money down
80% Loan to Value (LTV) on Non-Owner – Rental properties

Refinancing a Mortgage

Including HARP 2.0 and FHA
Up to 97.5% on refinances FHA
Up to 85% on cash-out refinances FHA
Up to 80% on cash-out refinances Conventional
HARP 2.0 allows refinance UNLIMITED% Loan to Value (LTV), even if there is mortgage insurance on the current loan
HARP 2.0 allows refinance of first mortgage and subordination of second.

Second Homes

Purchase with as little as 5% down

Non-Owner Home Loans (Rental Properties)

80% purchase
75% refinances including cash-out
Allows up to 10 properties on credit report (portfolio product)
Unlimited owned properties HARP 2.0 only

Jumbo Loan Programs

Great rates
30 year fixed, 15 year fixed, 7/1 ARMs, 5/1 ARMs, 3/1 ARMs
Call for pricing and LTV limitations

FHA Rehab 203K loan

Allows financing of renovation costs (owner-occupied properties only)
No investment properties