PERSONALIZED ATTENTION WHEN LOOKING FOR A HOME mortgage loan HELOC OR REFI
Santa Fe's Mortgage Lending Expert easy home loans
An array of loan products tailored for Santa Fe
Home Loans - Santa Fe
Refinancing & Cash out Loans - Santa Fe
Refinancing & Cash out Loans - Santa Fe
I have been in the mortgage industry for 20 years - let me guide you to the process and present solutions to you specifically
Refinancing & Cash out Loans - Santa Fe
Refinancing & Cash out Loans - Santa Fe
Refinancing & Cash out Loans - Santa Fe
Whether it is to acquire a better interest rate, or use an equity line of credit - I am here to help
<img src="maritas-home-loans.jpg" alt="Marita's Home Loans Santa Fe NM - Trusted Mortgage Lending Services" />
VA Loans In Santa Fe
Refinancing & Cash out Loans - Santa Fe
Loans For Reverse Mortgages
An amazing option to build the home of your dreams on your own terms!
Loans For Reverse Mortgages
Loans For Reverse Mortgages
Loans For Reverse Mortgages
A popular type of home loan designed specifically for those aged 62+
Construction loans
Loans For Reverse Mortgages
Home Equity Line Of Credit
A popular type of home loan designed specifically for those aged 62+
Home Equity Line Of Credit
Loans For Reverse Mortgages
Home Equity Line Of Credit
Tap into your home’s equity to secure financing to cover a variety of financial goals; home improvement, college expenses debt consolidation and more.
I am here for you!
20 years of experience working to find the perfect solution for you!
What I offer at Marita's Home Loans is personal attention, experience and peace of mind - the assurance that you are in good hands and that things will get done right from start to finish. No surprises! If you can get a loan - I will find it for you and if there are obstacles we will work together to correct them until you are able to qualify for a loan to make your home dreams come true
Let's Find The Answers Together!
With over 25 years of experience, most of my clientele are the customers I have helped in the past or their children and friends - I focus on you first. I help you find answers to give you peace of mind.
You Have Options!
Many clients have come to me ready to give up - my goal is to show them the many options they have to create a plan that works for them and how I will help them get there!
why live in santa fe? name the reasons!
Additional Information
Santa Fe, New Mexico is one of the most sought after destination for healthy living, retirement, spirituality and positive energy. Santa Fe is like no other city, vibrant and full of surprises.
With more than 327 art galleries... READ MORE
A MORTGAGE FOR SUCCESS
Financing the home you can afford now
Financing the home you can afford now
Financing the home you can afford now
Guiding you towards mortgage success
Financing the home you can afford now
Financing the home you can afford now
Refinancing Responsibly
HELOC that helps without strain on you
HELOC that helps without strain on you
HELOC that helps without strain on you
HELOC that helps without strain on you
HELOC that helps without strain on you
my loan products provided by
About Loan Depot
Founded in 2010 by mortgage industry innovator Anthony Hsieh, our company is focused on creating a straightforward mortgage experience that meets—and exceeds—your expectations.
Our company’s growth reflects the success of our customer-centric approach. In our first decade alone, we’ve grown to become the nation’s fifth largest retail mortgage lender and the second largest nonbank retail originator, funding more than $275 billion since inception. Today, our nationwide team of 6,000-plus members assists more than 27,000 customers each month.
New Mortgage Products and Programs in New Mexico
Loan Depot is constantly adding new products to help home buyers get financed. Here are the latest home mortgage programs
local and national mortgage market updates
Useful Santa Fe Mortgage Information
It is my job to know everything about Santa Fe mortgages
how to secure your santa fe dream home
Navigating the Current Mortgage Market
The mortgage market is an ever-evolving landscape, and in the current economic climate, it has seen its fair share of changes and challenges. With interest rates fluctuating, new regulations being implemented, and shifting lender requirements, obtaining a mortgage can seem daunting. However, armed with the right knowledge and strategies, you can navigate the current mortgage market and increase your chances of securing the keys to your dream home. In this article, we will explore some essential tips and insights to help you successfully obtain a mortgage in the current landscape.
1. Understanding Mortgage Rates and Trends:
Interest rates play a significant role in the mortgage market, impacting both affordability and loan terms. Stay informed about current mortgage rates by monitoring financial news and consulting with lenders. Mortgage rates tend to follow the broader economic trends, such as inflation, government policy decisions, and market conditions. Keeping a close eye on these factors will enable you to make informed decisions regarding the best time to apply for a mortgage.
2. Strengthen Your Financial Profile:
Lenders today have become more stringent in their lending criteria, placing greater emphasis on borrowers' financial stability and creditworthiness. To increase your chances of securing a mortgage, focus on improving your financial profile. Start by reviewing your credit report and addressing any inaccuracies or outstanding debts. Aim to maintain a low debt-to-income ratio by paying down existing loans and avoiding new debt. Save for a sizable down payment, as a larger down payment can potentially lead to better loan terms.
3. Preapproval and Mortgage Options:
Before embarking on your home search, obtaining a preapproval from a reputable lender is highly advisable. Preapproval demonstrates to sellers that you are a serious and qualified buyer. It also gives you a clear understanding of your budget, helping you focus on homes within your price range. Research various mortgage options available, such as fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans. Compare the terms, interest rates, and repayment schedules to find the mortgage product that aligns with your financial goals.
4. Partner with a Knowledgeable Mortgage Professional:
Navigating the mortgage market can be complex, especially with changing regulations and lender requirements. To simplify the process, consider partnering with a trusted mortgage professional. An experienced mortgage broker or loan officer can guide you through the application process, help you understand different loan options, and negotiate on your behalf. They have access to multiple lenders and can help you find the best mortgage terms based on your financial situation.
5. Be Prepared for Additional Documentation:
In recent years, mortgage applications have become more rigorous, requiring thorough documentation to support your financial claims. Be prepared to provide income statements, tax returns, bank statements, and other relevant documents requested by the lender. Gathering these documents in advance can speed up the application process and avoid unnecessary delays.
Conclusion:
While the current mortgage market may present its challenges, it is still possible to secure a mortgage for your dream home. By staying informed, strengthening your financial profile, obtaining preapproval, working with a knowledgeable professional, and being prepared with necessary documentation, you can enhance your chances of obtaining favorable mortgage terms. Remember, patience and persistence are key during the mortgage application process. With careful planning and research, you'll be well on your way to turning your homeownership dreams into a reality in the current mortgage market.
About ME
20 Years Experience In Santa Fe
20 Years Experience In Santa Fe
20 Years Experience In Santa Fe
With something as important as your mortgage loan - experience counts!
Licensed Santa Fe Loan Expert
20 Years Experience In Santa Fe
20 Years Experience In Santa Fe
I am licensed in New Mexico, Arizona, Colorado, Nevada, California and Hawaii
I Know Santa Fe Inside and Out!
20 Years Experience In Santa Fe
I Know Santa Fe Inside and Out!
I have urgency and commitment to get things done right - not quick!