Contact Marita DeVargas
We Partner With All Realtors In Santa Fe, New Mexico To Deliver Mortgage Successess
You’ve heard it a thousand times…
The promises of superb customers service, “fast approvals”, or minimal red tape, but we all know it takes a little more than that.
Realtors working in Santa Fe and Northern New Mexico can expect three things from Marita DeVargas:
Financing that holds up under underwriting due to her impeccable and structured discovery process.
Communication that keeps everyone aligned, and proactive
Problem-solving before issues affect the transaction.
Her approach is built around protecting the integrity of the deal — structuring loans realistically, addressing risks early, and maintaining clarity from pre-approval through closing.
If you’re looking for an experienced and thorough lending partner who prioritizes clean execution and reliable outcomes, Marita DeVargas welcomes the opportunity to connect.
Marita is in your corner
❋ Intentional Structure
Many realtors in Santa Fe and Albuquerque have worked with Marita and know that she has a proven process that makes transactions progress steadily. Marita is proactive and never assumes or lets anything unchecked.
❋ Collaborative Energy
Marita has the end - a successful transaction that closes cleanly, in mind. Her positive energy from start to finish allows everyone to work together and achieve all goals.
❋ Expert Facilitation
Marita’s 25 years of experience work for you,. Whether you are just starting your real estate career or you are a seasoned realtor, her expertise helps you take some weight off by providing ideas and helping you navigate the underwriting and approval process.
❋ A Supportive Space
Marita is accessible and approachable and always ready to provide help and create an environment of ideas and creativity, welcoming input that helps move things forward.
Keeping Transactions on Track: What Supports vs What Disrupts a Closing
In active markets like Santa Fe and Northern New Mexico, the difference between a smooth closing and a delayed or failed transaction often comes down to what happens after the contract is signed. Most disruptions are not surprises — they come from changes in the borrower’s profile or gaps in documentation during underwriting.
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• Pre-approvals aligned with underwriting standards
Files structured upfront reduce the risk of last-minute condition issues or requalification.• Stable borrower profile from contract to closing
Consistent income, assets, and credit allow underwriting to proceed without rework.• Complete and timely documentation
Clean files move through underwriting faster and avoid unnecessary condition cycles.• Early identification of appraisal and property risks
Addressing valuation or property concerns early helps prevent renegotiation delays.• Clear communication across all parties
Consistent updates between lender, agent, and client keep timelines intact and expectations aligned. -
• Credit changes during escrow
New debt, increased balances, or score drops can trigger re-underwriting or revised terms.• Debt-to-income ratio shifts
Additional obligations can push the file outside program limits and require restructuring.• Appraisal gaps
Low valuations can introduce renegotiation, additional cash requirements, or contract instability.• Documentation issues
Missing, inconsistent, or late-submitted documents slow underwriting and extend timelines.• Employment or income changes
Job changes or compensation shifts can delay approval or require new qualification.• New credit activity
Inquiries or new accounts must be reviewed and explained before final approval.• Large purchases or fund movement
Unverified transfers or reduced reserves can affect closing readiness.• Property or inspection-related delays
Condition issues or repair negotiations can impact lender requirements and timing.Placing an application with a second mortgage company during this process.
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Marita’s expertise maintains balance from start to finish. No guessing work, no unclear answers.
Marita helps your client remain focused and maintains you informed so there are never unnecessary risks.
Transactions are strongest when financing is structured to hold through underwriting — not just at pre-approval. Stability, preparation, and clear communication are what keep deals moving from contract to closing without unnecessary disruption.
Marita De Vargas Is Supported by One of the Nation’s Largest Lenders
loanDepot is one of the largest non-bank mortgage lenders in the United States, with a national platform that supports a wide range of loan programs, underwriting resources, and market reach. Within this structure, Marita DeVargas operates as a top-performing loan officer in the Santa Fe market, leveraging both her extensive experience and the operational strength of loanDepot. This combination allows her to structure and deliver financing solutions that are competitive, well-supported, and capable of moving efficiently from application through closing in a dynamic and often complex lending environment.
NMLS: 174457