Let’s Find Your Perfect Santa Fe Home
Taking on home ownership is exciting and overwhelming. There’s find a home, selecting a loan officer, finding a loan program, and gathering your down payment. Simplifying your loan journey is possible using an experience mortgage broker and New Mexico real estate expert.
How can we help?
We’re here to help you - not only with an upcoming loan decision, but your long-term wealth goals. Leveraging your home into a financial plan can create a robust outline of choices to help you reach your goals.
Why Choose Santa Fe?
With vibrant culture, fantastic food, and year-round outdoor activities, Santa Fe has become the obvious destination for people across the U.S. If you’re looking to move to Santa Fe from across the state or across the world, here are a few more reasons to help you decide to make Santa Fe, New Mexico, your new home.
Live Among Centuries of History in Santa Fe
Santa Fe's historic Plaza, dating back to the early 1600s, provides a living testament to the city's rich history. Residents can stroll through adobe-lined streets, visit centuries-old churches, and immerse themselves in a community that honors its past while embracing modern living.
Wake Up to Breathtaking Views
Surrounded by the majestic Sangre de Cristo Mountains, Santa Fe offers stunning natural beauty at every turn. From the golden hues of the high desert to the snow-capped peaks, residents enjoy breathtaking vistas that provide a sense of tranquility and inspiration right in their backyard.
Embrace the Great Outdoors in Santa Fe
For outdoor enthusiasts, Santa Fe provides a playground of recreational opportunities. Hike the scenic trails of the nearby national forests, ski on the slopes of the Santa Fe Ski Basin, or enjoy a day of horseback riding in the picturesque landscapes, making it an ideal location for those who love an active and nature-filled lifestyle.
Mortgage And Real Estate Data for Santa Fe, New Mexico
How many homes that were listed sold in Santa Fe?
What percentage of homes have price drops?
Finding Your Ideal Place In Santa Fe
Great Neighborhoods for Food, Entertainment, and Nightlife
Downtown Santa Fe: The heart of the city, Downtown Santa Fe, is a hub for restaurants, art galleries, and cultural events. It's perfect for those seeking a rich cultural atmosphere.
Railyard District: Adjacent to Downtown, the Railyard District is known for its eclectic shops, galleries, and trendy restaurants. It's a vibrant area with a mix of arts and entertainment.
Canyon Road Area: Famous for its art galleries and upscale dining, the Canyon Road area is perfect for those who want to immerse themselves in Santa Fe's artistic and culinary scene.
South Capitol: Close to the Capitol and the Plaza, South Capitol offers a blend of historic charm and access to restaurants, cafes, and cultural events.
Still unsure where you want to be?
Great Neighborhoods for Families
Eldorado: Located southeast of Santa Fe, Eldorado offers spacious homes, parks, and a family-friendly atmosphere. It has excellent schools and a strong sense of community.
Tierra Contenta: Situated southwest of the city, Tierra Contenta provides affordable housing options, community parks, and recreational facilities, making it an ideal choice for families.
Northwest Quadrant: This area, including neighborhoods around Gonzales Elementary School, offers a mix of residential charm and family-oriented amenities.
Great Neighborhoods for Retirees
Historic Eastside: The Historic Eastside, with its adobe homes and proximity to the Plaza, is popular among retirees who appreciate the historic charm and easy access to local attractions.
Las Campanas: Situated in the foothills, Las Campanas is a gated community offering luxurious homes, golf courses, and a tranquil setting, making it an attractive option for retirees.
La Tierra: Located northwest of Santa Fe, La Tierra provides a peaceful, rural environment with larger lots and open spaces, appealing to those seeking a more relaxed lifestyle.
Get Your Property Report
Understanding your home ownership options as a current owner greatly depends on your current residence. Would you meet your financial goals by selling, refinancing, renovating, or maybe buying an investment property nearby? Get a sense of your current property’s value with a free property report.
FHA Loans
Designed for first time buyers, FHA loans offer flexible credit requirements and lower down payment options than conventional loans.
Find Your Best Mortgage Options in Santa Fe
Building your life in Santa Fe will include finding a home. Working with Becky Watkins will ensure you not only have a variety of loan programs to choose from, but also a experienced real estate agent to help guide you through your process.
While hundreds of loan programs are available to Santa Fe buyers, here are a few that are currently popular for home shoppers:
VA Loans
Created to support the brave men and women of our military, VA loans make a great options for our veterans.
DSCR Loans
Looking to get into real estate investment? Find out how a DSCR loan can make the leap into this field simpler.
HELOC Loans
Take advantage of the equity in your home and create financial stability for yourself with one of the many home equity mortgage options.
More Mortgage Programs Offered to Santa Fe Buyers
Meet Your Mortgage Broker
Becky Watkins
Senior Mortgage Broker, NMLS #327288
Nexa Mortgage LLC
505-235-9810
becky.nexalo@gmail.com
I’ve spent over 30 years in the real estate and mortgage industries. With my license to originate loans as well as a real estate license, I have unique access to data, loan programs, and services that can offer you a 360 degree view of your home shopping experience. Check with Beck before you take the leap to homeownership. I can help you navigate your questions and options, giving you confidence in your home decisions.
What is a mortgage broker?
A mortgage broker acts as an intermediary between borrowers and multiple lenders, helping individuals find the most suitable mortgage terms and interest rates from a variety of financial institutions. In contrast, a standard retail loan officer typically works directly for a single lending institution and assists clients in securing loans offered by that specific lender.
Think of me as your mortgage concierge, guiding you to the best decision by narrowing down your options to the best selections for your specific goals, needs, and wants.
FAQs About Buying A Home in Santa Fe
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Mortgage rates are defined at a federal level and fluctuate based on many variables, including credit score, down payment amount, and loan program. Check with Beck to find out what your rate might be.
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The average payment fluctuates based on current home sales and values. Use our mortgage calculator tool to get an idea of what your payment might be.
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Home prices - especially when averaged across an entire market - change by the day. Check with Beck for more information on home prices in your ideal Santa Fe neighborhood.
Other Areas We Serve
Boulder, Colorado
Boulder's unique character requires a nuanced understanding. Our local mortgage brokers will guide you through Boulder's specific lending landscape, ensuring you get the best possible financing for your new home.
Denver, Colorado
Denver's competitive market demands a strategic approach. Our experienced brokers have the local knowledge and connections to navigate multiple lenders and find the most competitive rates and terms for your Denver home.
Colorado Springs, Colorado
Colorado Springs boasts a strong military presence and a flourishing housing market. Our local mortgage brokers are experts in navigating VA loans and other programs that can help veterans and active-duty personnel achieve their homeownership goals.
Fort Collins, Colorado
Fort Collins offers a vibrant community with diverse housing options. Our mortgage brokers understand the local market and can help you navigate financing options, from first-time homebuyer programs to jumbo loans for luxury properties.
Serving Home Buyers in New Mexico
In New Mexico's diverse market, an experienced mortgage broker can guide you toward the right loan option, whether you're drawn to Albuquerque's urban core or Santa Fe's unique charm. Their local knowledge helps you understand neighborhood nuances and secure the financing that aligns with your dream home.
Serving Home Buyers in Colorado
The Colorado housing market can be competitive, but a local mortgage broker can help you navigate it with ease. Their expertise in local loan programs and connections with lenders ensure you get the best rates and navigate the complexities of the process.
Albuquerque, New Mexico
Albuquerque’s housing market requires a seasoned mortgage broker to navigate local loan options and programs. We'll help you find the perfect fit for your needs, from historic districts to modern communities.
Santa Fe, New Mexico
Santa Fe's charm comes with distinct financing considerations. Our local experts understand the intricacies of the Santa Fe market, ensuring a smooth and successful homebuying journey.
Rio Rancho, New Mexico
Rio Rancho's rapid growth offers exciting opportunities. Our mortgage brokers stay informed about the latest loan options for this dynamic market, helping you secure the best deal on your dream home.