Our team is based in New Mexico (Albuquerque & Los Lunas) but can originate loans throughout the state.

We brought Clear Modern Mortgage and American Pacific Mortgage (APM) to NM to offer programs and loan options that have not been available.

APM is known for developing new loan products. Unlike most lenders we do not have any overlays, so more buyers can qualify.

Here are some of our unique products:

• FHA and VA loans down to 500 credit score
• Down Payment Assistance (3.5-5%) with 580 credit score (No Income Max or First Time Buyer Requirements)
• Guaranteed Sale Bridge Loan: Allows you to make non-contingent purchases while trying to sell an existing home
• LinkLoan: For those with income, ITIN, credit or 1099 issues. 3.5% down program
• Seller Pre-lock: Allows sellers to use a rate buydown to compete with builders
• One-time Close FHA Construction Loans
• Commercial and Investment loans

We also work with 70+ outside lenders like 21st Mortgage for mobile homes moved more than once or not on a permanent foundation. We have an app you can share with clients so they can apply and you can monitor the loan progress.

For more information about APM and our in-house products,