Not Sure Which Mortgage Option Fits?
The right starting point depends on how you earn income, the assets available to you, the property, occupancy plans and long-term objectives. Begin with the situation that most closely resembles yours—or talk with Marita before selecting a loan category.
Choose from these categories:
I am buying a high-value home
I am self-employed
I am buying my first home
I want to refinance or use equity
Mortgage Loan Options in Santa Fe and Northern New Mexico
Marita DeVargas helps borrowers throughout Santa Fe and Northern New Mexico evaluate conventional and specialized mortgage options based on their income, assets, credit, property, and long-term goals. Her areas of experience include jumbo financing, VA loans, self-employed and bank-statement borrowers, asset-based qualification, first-time homebuyers, refinancing, and home-equity conversion strategies.
Financing Unique Santa Fe Properties
Jumbo Loans in Santa Fe
Buying a Second Home in Santa Fe
VA Home Loans
Eligible veterans, active-duty service members, and qualifying surviving spouses may have access to valuable VA home-loan benefits. Marita DeVargas helps borrowers throughout Santa Fe and New Mexico understand VA eligibility, documentation, property requirements, closing costs, and the steps involved from pre-approval through closing. Her experience helps borrowers prepare carefully, address potential issues early, and use their available VA benefits with a clearer understanding of the loan process.
LINK: Explore VA Home Loans in New Mexico
Jumbo and High-Value Home Loans
High-value homes in Santa Fe and Northern New Mexico often require more detailed income documentation, stronger financial reserves, and careful preparation before underwriting. Marita DeVargas helps borrowers evaluate jumbo mortgage options, organize complex income and asset information, and anticipate appraisal or property concerns that may arise with distinctive homes. Her goal is to structure the financing realistically from the beginning so borrowers understand the requirements, costs, and next steps before making an offer or beginning a formal application.
LINK: Explore Santa Fe Jumbo Loan Options
Self-Employed and Bank-Statement Loans
Self-employed borrowers, business owners, consultants, and independent professionals may not fit traditional mortgage-income calculations. Marita helps clients explore conventional and alternative documentation options, including eligible bank-statement loan programs, based on their business history, deposits, assets, credit, and overall financial profile. She reviews the details carefully, explains how qualifying income may be evaluated, and helps borrowers prepare the documentation needed for a more complete underwriting review.
LINK: Explore Santa Fe Self-Employed Mortgage Options
Asset-Based and Asset-Depletion Mortgage Options
Some borrowers have substantial retirement, investment, or other eligible assets but limited traditional employment income. Depending on the loan program, those assets may help support mortgage qualification through an asset-based or asset-depletion calculation. Marita helps clients understand how lenders may evaluate eligible assets, liquidity, reserves, and income needs. She reviews the borrower’s complete financial picture and explains whether an asset-based mortgage strategy may be appropriate.
LINK: Explore Asset-Based Mortgage Options
First Time Homebuyer Loans
Buying a first home involves more than choosing a mortgage rate. Marita helps first-time homebuyers in Santa Fe and Northern New Mexico understand credit, down payment, closing costs, loan options, documentation, and the difference between pre-qualification and pre-approval. She explains each stage in plain language and helps buyers prepare before they begin making offers, reducing uncertainty and helping them move forward with realistic expectations.
Link text: Start Your First-Time Homebuyer Plan
Mortgage Refinancing Loans
Refinancing may help homeowners change their interest-rate structure, adjust the loan term, access home equity, consolidate certain obligations, or pursue other financial goals. Marita DeVargas helps Santa Fe homeowners evaluate the potential benefits, costs, risks, and long-term impact before moving forward. Rather than focusing only on a lower payment or advertised rate, she reviews the complete loan structure to determine whether refinancing supports the homeowner’s broader financial objectives.
Link: Explore Mortgage Refinancing in Santa Fe
Unlock Your Equity - Unlock Your Options With A
Home Equity Conversion and Reverse Mortgage Options
Eligible homeowners may be able to convert a portion of their home equity into usable funds while remaining in the home, subject to program requirements and ongoing borrower responsibilities. Marita helps clients understand home-equity conversion and reverse-mortgage options, including eligibility, costs, repayment terms, property obligations, and potential effects on long-term planning. Because these loans can be complex, she emphasizes clear explanations and careful review before any decision is made.
Link text: Learn About Home Equity Conversion Options
Local Guidance Supported by loanDepot Resources
Marita combines direct, local service with loanDepot’s national lending platform, loan programs, operational systems and underwriting resources. Borrowers work directly with Marita while benefiting from the support of an established mortgage lender.
NMLS: 174457