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Best Mortgage Brokers in Santa Fe

2024

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Providers

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Website
1228 Osage Avenue, Santa Fe, NM 87505
  • Reverse Mortgages

Why choose this provider?

Loan Fox is a brokerage firm that caters to borrowers in the Santa Fe community. It offers brokerage services to help clients choose mortgage packages that are suitable for them. Its loan programs include conventional, jumbo, VA, FHA, USDA, and manufactured home loans. The firm also offers reverse mortgages for homeowners who are 62 years of age or older and are looking to take advantage of the equity in their homes. Loan Fox has operations in 10 states, with 12 locally run branches across the country.

License Verified:

License: 1926496

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (27)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6417 Pojoaque Dr. NW, Santa Fe, NM 87120
  • Reverse Mortgages
  • Refinance

Why choose this provider?

High Desert Home Lending, LLC., is a mortgage brokerage firm that serves home buyers and residents of Santa Fe. Its offerings encompass home purchase, refinancing, and home equity services. The company’s staff focuses on understanding its clients' goals and needs and creates multiple customized loan programs that fit their requirements. Some of its products include conventional, reverse mortgage, USDA, FHA, and VA loans. The business is locally operated and owned and focuses on residential mortgage lending.

License Verified:

License: 274033

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5501 Eagle Rock Ave NE, Bldg B, Santa Fe, NM 87113
  • Refinance
  • New Construction

Why choose this provider?

Indigo Mortgage has been serving residential customers in Santa Fe and nearby areas since 2003. It offers various purchasing and refinancing products, including conventional, jumbo, FHA, and VA loans. It also provides construction loans with fixed and variable interest rates. Additionally, the agency assists seniors in converting home equity into cash through reverse mortgage services. Indigo Mortgage is locally owned and operated by Benjamin Franklin Lucero, a mortgage broker with over three decades of experience in the industry.

License Verified:

License: 188348

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (156)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8300 Carmel Ave NE Ste 201, Albuquerque, NM 87122
  • Refinance

Why choose this provider?

Primary Residential Mortgage, Inc. provides Santa Fe residents with a wide array of loan options, including FHA, VA, 203(k), USDA, and Jumbo loans. It also offers fixed-rate and reverse mortgages. The company works with a diverse clientele, from first-time home buyers to refinancing homeowners. Its loan originators strive to provide personalized solutions with a focus on small details. They offer loan options based on the client's financial factors and future goals. They also impart local knowledge to prevent issues commonly missed by companies.

License Verified:

License: 1950356

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5850 Eubank Blvd Suite B-24, Albuquerque, NM 87111
  • Refinance

Why choose this provider?

Elite Financial is a mortgage lender that serves clients in the Santa Fe community. It offers loan solutions for new home purchases, current mortgage refinances, and new home constructions. Its loan consultants assess clients' individual and specific needs and analyze the loan programs that will fit them. Options include government, combo, and jumbo loans. Elite Financial has been in service for over 16 years. Its senior loan officer, Anthony DeNardis, keeps updated on the latest technology to streamline the mortgage process.

License Verified:

License: 1797084

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (74)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1301 Siler Road, Bldg. D, Santa Fe, NM 87507
  • Refinance

Why choose this provider?

Homewise has been serving locals in Santa Fe since 1986. It assists first-time buyers and homeowners in obtaining purchase loan pre-approval. For those who want to lower their monthly payments, interest rates, and loan terms, or switch from an ARM to an FRM, the company also offers refinancing options. Additionally, it has programs for borrowers who want to fund their home renovation or improvement projects. Homewise has received numerous awards since its establishment, including the City of Santa Fe Mayor's Sustainability Award.

License Verified:

License: 188231

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
3.9 / 5 (38)
Facebook
4.5 / 5 (35)
Yelp
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
317 Paseo de Peralta, Santa Fe, NM 87501
  • Refinance

Why choose this provider?

Dash Hamblin is a loan broker that serves people throughout Santa Fe. He offers a variety of mortgage products for aspiring homeowners, ranging from USDA, FHA, and VA loans to conventional and jumbo mortgages. Hamblin has experience working with clients acquiring vacation homes. He also assists homeowners through the process of refinancing their loans to help them access a portion of their home equity. Hamblin has volunteered for the non-profit organization Keep Santa Fe Beautiful.

License Verified:

License: 1560222

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
128 Grant Avenue Office Suite #216 & 217, Santa Fe, NM 87501
  • New Construction

Why choose this provider?

Guaranteed Rate Santa Fe, New Mexico, serves clients throughout the local metro. The company offers jumbo loans, a way for borrowers to purchase properties in high-cost areas. It also helps clients qualify for loans guaranteed or insured by the VA and FHA. It provides tools that guide aspiring homeowners with their decision-making, like online mortgage calculators. The company works with other clients looking to refinance their loans. One of its team members, Luke Rodriguez, has spent over 26 years in the Santa Fe mortgage sector.

License Verified:

License: 1917294

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
150 Washington St, Suite 201, Santa Fe, NM 87501
  • Refinance

Why choose this provider?

Anasazi Mortgage is a Santa Fe-based firm that provides local clients with different kinds of loans and refinancing plans. Its staff offers financial choices that cover home purchases, tuition fees, property improvements, and debt payments. It evaluates an applicant's total assets and property value prior to canvassing various options based on local market rates and conditions. It also educates clients on the requirements and factors involved in the pre-qualifying and pre-approval processes, such as their credit histories, income-to-debt ratios, and existing mortgages.

License Verified:

License: 1835013

Nationwide Multistate Licensing System and Registry

Website
518 Santa Fe Trail, Santa Fe, NM 87505
  • Refinance

Why choose this provider?

Paula Delair is a mortgage loan originator in Santa Fe who assists customers in securing the right loan for their homes or investment properties. Working at Legacy Mortgage, she has access to provide borrowers with multiple lending options such as conventional, USDA, FHA, and jumbo. She helps clients look for loans and interest rates that suit their financial capabilities. Delair aims to provide a smooth and direct process for customers' home loan needs through her smartphone app.

License Verified:

License: 222421

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
417 E. Palace Ave., Suite C, Santa Fe, NM 87501
  • Refinance

Why choose this provider?

Mortgage Partners Santa Fe is a group of loan officers providing a range of mortgage loan options to property owners in Santa Fe. In addition to fixed-rate and adjustable-rate mortgages, the organization also offers Fannie Mae, Freddie Mac, and reverse mortgages. The group's other loan options include jumbo, FHA, VA, and USDA loans. Among the other choices available are construction loans. The team behind the business has a combined 45 years of experience in the mortgage industry.

License Verified:

License: 264422

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.