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 offer the same—or even better—rates with more personal service and real accountability, why not stay local?

That’s exactly what we do at Indigo Mortgage, proudly serving New Mexico and Colorado homeowners and buyers. As a trusted name in home financing, Indigo Mortgage offers competitive rates, low closing costs, and something internet lenders can’t provide: the ability to sit down with someone who truly cares.

Why Local Matters More Than Ever

Let’s start with a question from Ben Lucero, owner of Indigo Mortgage:

“If a local mortgage broker can offer everything a big-box internet lender can—and more—what’s the advantage of going with someone you’ll never meet?”

That’s a key point. The mortgage process is one of the most important financial decisions you’ll ever make. Wouldn’t you rather work with someone who’s invested in your community, who can explain your options clearly, and who will be there for you long after closing?

Here in New Mexico and throughout Colorado, borrowers trust Indigo Mortgage not just because we’re local—but because we deliver. Our rates are consistently competitive, our fees are lower than many national lenders, and we’re always accessible.

Internet Lenders: Low Rates, Hidden Costs

Big online mortgage companies like to draw you in with low teaser rates. What they often don’t disclose upfront are the high fees, discount points, and costly closing costs attached to those rates. By the time you’ve gone through their process, that “great deal” could cost you thousands more than you expected.

At Indigo Mortgage, we urge every borrower to ask this critical question when comparing lenders:

“What are the origination and discount fees for the rate you’re offering?”

This single question allows for a true side-by-side comparison. And time after time, we’re able to show that our rates and fees are not only competitive—they’re often better.

Because we’re a broker, we’re not tied to just one bank or investor. We shop your loan across multiple wholesale lenders, finding the best fit for your situation, whether you’re in Albuquerque, Santa Fe, Rio Rancho, or across the state line in Colorado Springs or Denver.

Real People. Real Service. Real Accountability.

Online lenders operate on volume. Their loan officers are juggling dozens or even hundreds of files at a time. If a question or issue comes up—and it often does—you’re stuck in a phone queue or chasing someone down via email. You may never speak to the same person twice.

Now let’s compare that to Indigo Mortgage.

When you work with us, you’re not just a file number. You’re a person—often a neighbor, a friend of a past client, or someone we’ve worked with before. We encourage face-to-face meetings, and we’re available by phone or email any time. We believe mortgage lending is personal, and we treat it that way.

And here’s something else the big internet lenders can’t offer: accountability.

As Ben Lucero often says, “When something goes wrong—and sometimes it does—it matters who’s there to fix it. At Indigo Mortgage, we’re local. We’re accountable. We take ownership and make it right.”

When a national lender drops the ball or makes an underwriting decision that doesn’t make sense, who can you turn to? Usually, no one. With Indigo Mortgage, you’ll always know who to call, and we’ll be here to work through the issue with you.

We Know New Mexico and Colorado

Every state has its own nuances when it comes to property taxes, loan programs, appraisal timelines, and underwriting considerations. An online lender based in another state may not understand the unique aspects of New Mexico real estate—from rural land purchases to pueblo leaseholds—or the challenges of Colorado mountain properties.

We do.

Indigo Mortgage has been serving New Mexico homeowners for over 20 years, and we’re now licensed in Colorado to bring that same level of service across the border. Whether you’re buying in Albuquerque, Rio Rancho, Los Lunas, or Durango, we understand the market, the lenders, and the local economy.

Our clients often tell us they feel more confident working with a company that’s “just down the road.” And when your mortgage process is being handled by people who know your region, your taxes, and your title companies, it shows.

Flexible Options for All Types of Borrowers

Whether you’re a first-time homebuyer, refinancing your current loan, or investing in rental properties, Indigo Mortgage has access to a broad range of loan products that many retail banks and internet lenders simply don’t offer.

We help with:

• VA loans for veterans and active-duty military
• FHA loans for lower credit or smaller down payments
• Conventional loans with competitive rates
• Refinancing options to lower your payment or pull cash out
• Construction and renovation loans
• Loans for self-employed borrowers

Thanks to our network of wholesale lenders, we can often get deals done that others can’t—even if you’ve been turned down elsewhere. And because we’re a broker, we pass savings directly to you.

Final Thoughts from Ben Lucero

Big internet lenders will keep spending money on ads and algorithms—but they can’t compete with local experience, real accountability, and honest guidance. That’s what Indigo Mortgage stands for.

From New Mexico to Colorado, we’ve built our reputation on doing right by our borrowers. We don’t push products. We give advice. We don’t hide fees. We show you the real numbers. And we never forget that this is likely the biggest financial decision you’ll ever make.

So the next time you see an ad from that “pocket-sounding” lender, ask yourself:

What do they offer that Indigo Mortgage doesn’t?

Chances are, it’s not much—and what they lack in service could end up costing you more than you expect.

How to Reach Indigo Mortgage

If you’re ready to explore your home loan options or just want straightforward answers to your mortgage questions, we’d love to talk.

Call us at 505-836-5700

Serving all of New Mexico and Colorado

At Indigo Mortgage, we’re on your side from start to finish—and long after closing.