Indigo Mortgage

08/24/2026

For many New Mexico home buyers, a real estate contract has provided an alternative way to purchase a home or property without going through the traditional mortgage process. Over the last several years, many buyers have used real estate contracts to get into a property when conventional financing wasn’t the right option at the time.

But a real estate contract isn’t always meant to last forever. Eventually, you may need—or simply want—to refinance out of the contract and put the mortgage under your own name rather than continuing to make payments under an agreement with the seller.

Indigo Mortgage can help borrowers understand the refinancing process and why working with a local New Mexico mortgage company can make such a major difference.

08/18/2026

If your monthly mortgage payment suddenly jumped by $100, $200, or even $300, it can be alarming—especially if your mortgage rate hasn’t changed. Ben Lucero at Indigo Mortgage has been hearing from New Mexico homeowners who are experiencing significant increases in their monthly payments because of changes to their escrow accounts.

Learn why your mortgage escrow payment may be rising and when refinancing makes sense with guidance from Ben Lucero at Indigo Mortgage.

08/14/2026

We’re proud to share some exciting news!

Indigo Mortgage has been honored as the 2025/2026 Broker of the Year for New Mexico by the New Mexico Mortgage Professionals Association!

As the association’s highest honor, this award means so much to our team. It reflects our commitment to serving New Mexico homebuyers and homeowners with local knowledge, personal service, and mortgage solutions built around their needs.

A huge thank you to the New Mexico Mortgage Professionals Association for this recognition—and to all of our clients, partners, friends, and community members who continue to put their trust in Indigo Mortgage.

We’re honored to serve New Mexico and proud to call it home.

08/10/2026

Artificial intelligence is everywhere these days. From the apps on our phones to customer service, banking, marketing, and financial services, AI is changing how businesses operate and how consumers get information.

The mortgage industry is no exception.

More lenders, particularly large financial institutions, are incorporating artificial intelligence and automated technology into the mortgage process. These systems may be involved in reviewing applications, analyzing documentation, underwriting loans, and determining what information a borrower needs to provide before a loan can move forward.

Learn why Ben Lucero at Indigo Mortgage believes human experience, common sense, and personal guidance still matter in today’s AI-driven mortgage industry.

08/03/2026

Reverse mortgages have been around for years, but they remain one of the most misunderstood mortgage products available. Unfortunately, many seniors have heard conflicting information that causes confusion or unnecessary concern. While a reverse mortgage is not the right solution for everyone, it can be an incredibly valuable financial tool when used appropriately.

Are Reverse Mortgages Right for You? August 3, 2026 Uncategorized Reverse mortgages have been around for years, but they remain one of the most misunderstood mortgage products available. Unfortunately, many seniors have heard conflicting information that causes confusion or unnecessary concern. Whil...

07/20/2026

If you’re shopping for a new home while still owning your current one, you’ve probably wondered how to make the transition as smooth as possible. Many homeowners worry about having to sell their existing home before they can buy another, especially in a competitive housing market.

Fortunately, there is a financing option that many buyers don’t know about—a mortgage recast.

A mortgage recast is a little-known mortgage feature that allows homeowners to make a lump-sum payment toward the principal balance of after purchasing a home.

07/15/2026

For many homebuyers, purchasing an existing home isn’t the only option. More people throughout Albuquerque and New Mexico are deciding to build a home that fits their family’s needs, lifestyle, and future plans. From choosing the perfect floor plan to selecting finishes and features, building a custom home gives you the opportunity to create a space that’s truly your own.

For years, Ben Lucero has helped New Mexico families finance home construction with loan programs designed to make building more affordable and less stressful.

06/01/2026

Homeowners across Albuquerque, Rio Rancho, and surrounding New Mexico communities are receiving calls from mortgage companies warning them about escrow shortages and suggesting refinancing as the solution. While refinancing can sometimes help homeowners, local mortgage expert Ben Lucero of Indigo Mortgage says many of these calls can be misleading and homeowners should proceed carefully.

Ben Lucero of Indigo Mortgage explains why homeowners should be cautious of refinance offers tied to escrow shortages and rising taxes.

05/12/2026

For many homeowners in Albuquerque, Rio Rancho, and throughout New Mexico, refinancing a mortgage can be a smart financial tool when used correctly. Whether the goal is to lower monthly payments, reduce interest rates, access home equity, or improve overall financial flexibility, refinancing can create opportunities for homeowners to better manage their finances. However, according to Ben Lucero of Indigo Mortgage, refinancing is not a one-size-fits-all solution, and homeowners should carefully evaluate their options before making a decision.

Explore what homeowners should consider before refinancing with advice from Indigo Mortgage, including rates, equity, closing costs, and long-term savings.

05/05/2026

In today’s real estate market, many homeowners across Albuquerque, Rio Rancho, and throughout New Mexico are asking the same question:

Should I sell my home and move, or should I stay and upgrade what I already have?

With rising home values, limited inventory, and higher interest rates than we’ve seen in recent years, selling isn’t always the best option. That’s why more homeowners are turning to a powerful alternative—rehab mortgage loans.

In today’s real estate market, many homeowners are asking the same question: Should I sell my home and move, or should I stay and upgrade what I already have?