Homewise specializes in helping New Mexicans become homeowners through education, mortgage assistance, and home improvement programs. Their team offers step-by-step guidance and access to affordable mortgage options, with many clients appreciating the patient and supportive approach—though a few have found communication challenging at times.
Nations Lending’s Santa Fe team specializes in renovation loans and offers personalized mortgage solutions with a focus on clear communication and quick processing. Clients appreciate their responsiveness and thorough guidance throughout the loan process, though some note the experience can be detailed and require patience. The team works closely to secure competitive rates and navigate complex… more...
Nations Lending’s Santa Fe team specializes in renovation loans and offers personalized mortgage solutions with a focus on clear communication and quick processing. Clients appreciate their responsiveness and thorough guidance throughout the loan process, though some note the experience can be detailed and require patience. The team works closely to secure competitive rates and navigate complex financial steps.
Specializing in renovation loans, Waterstone Mortgage offers a range of mortgage products backed by experienced professionals licensed through state and federal agencies. The team provides clear guidance and timely communication throughout the loan process, helping clients feel supported and informed. Customers appreciate their responsiveness and the ease of using digital tools, though some note… more...
Specializing in renovation loans, Waterstone Mortgage offers a range of mortgage products backed by experienced professionals licensed through state and federal agencies. The team provides clear guidance and timely communication throughout the loan process, helping clients feel supported and informed. Customers appreciate their responsiveness and the ease of using digital tools, though some note occasional minor delays in updates.
Regional Finance offers renovation loans with a straightforward and quick application process. Customers often mention the friendly, helpful team and smooth communication, though some note occasional delays in responses. The staff aims to provide a welcoming experience while assisting with various loan needs.
Waterstone Mortgage specializes in personalized home financing with over 30 years of experience guiding clients through renovation and other loan options. The team offers a variety of mortgage products and is known for clear communication and steady support throughout the process, though some clients note occasional delays in updates.
Waterstone Mortgage specializes in a wide range of home financing options, including renovation loans, with a focus on clear communication and personalized guidance. The team is known for being responsive and thorough, helping clients navigate loan choices with patience and expertise. Some clients note the process can feel detailed, but appreciate the steady support throughout.
Mariner Finance specializes in home improvement and personal loans with a focus on transparent, responsible lending backed by NMLS registration. Their services include straightforward applications and quick approvals, supported by a local branch network. While many customers appreciate the friendly, helpful team and smooth process, some note delays and communication issues during approval.
Known for clear communication and responsiveness, Brad Gallegos Branch specializes in guiding clients through complex renovation loans with attentive support. The team handles everything from initial questions to closing, often staying late to resolve issues. Customers appreciate their professionalism and consistent availability throughout the mortgage process.
Known for a patient, clear approach that guides clients through every step, this team specializes in renovation loans alongside a full range of mortgage products. They use digital tools to streamline applications and maintain steady communication, helping borrowers feel informed and supported throughout the process. Customers appreciate their thoroughness and responsiveness, with few noting… more...
Known for a patient, clear approach that guides clients through every step, this team specializes in renovation loans alongside a full range of mortgage products. They use digital tools to streamline applications and maintain steady communication, helping borrowers feel informed and supported throughout the process. Customers appreciate their thoroughness and responsiveness, with few noting occasional wait times.
Located in Santa Fe, Montana Capital Bad Credit Loans is a top ten loan solution via the free loan matching service named JustBadCreditLoans.com. The site hosts an application to help users obtain a bad credit loan. Specifically, Montana Capital Bad Credit Loans was ranked thanks to its fast application and loan approval processes. Users are surprised by its speed, usually receiving funds on the… more...
Located in Santa Fe, Montana Capital Bad Credit Loans is a top ten loan solution via the free loan matching service named JustBadCreditLoans.com. The site hosts an application to help users obtain a bad credit loan. Specifically, Montana Capital Bad Credit Loans was ranked thanks to its fast application and loan approval processes. Users are surprised by its speed, usually receiving funds on the same day. It also has flexible payment packages and customer service. The company prides itself on accommodating all credit types. In addition, its majority of online reviews are positive.
Lenders made 279 home-improvement loans in Santa Fe County in 2025 (average about $135,000) and denied 132 — 32% of decided applications, compared with 35% across New Mexico, according to federal mortgage data (HMDA, CFPB). The typical home in Santa Fe was built in 1986 and is worth $444,900 (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Santa Fe County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Homewise | 4.4 | 119 | $20 | (505) 983-9473 | Visit |
| 2 | Nations Lending - Santa Fe, NM Branch - NMLS: 2147533 | 5.0 | 100 | Quoted per loan | (505) 216-3593 | Visit |
| 3 | Robert Morris at Waterstone Mortgage NMLS #492531 | 5.0 | 94 | Quoted per loan | (505) 780-4921 | Visit |
| 4 | Regional Finance | 4.7 | 45 | Quoted per loan | (505) 424-3378 | Visit |
| 5 | Sandra Claymore at Waterstone Mortgage NMLS #492523 | 5.0 | 33 | Quoted per loan | (505) 715-0278 | Visit |
| 6 | Michael Hall at Waterstone Mortgage NMLS #210073 | 5.0 | 32 | Quoted per loan | (505) 263-3333 | Visit |
| 7 | Mariner Finance | 4.5 | 33 | Quoted per loan | (505) 926-4040 | Visit |
| 8 | Brad Gallegos Branch | 5.0 | 22 | Quoted per loan | (505) 660-6235 | Visit |
| 9 | Marita DeVargas - Mortgage Advisor (loanDepot) | 5.0 | 6 | Quoted per loan | (505) 660-5044 | Visit |
| 10 | Montana Capital Bad Credit Loans | 5.0 | 3 | — | (505) 392-2652 | Visit |
General information, not financial advice — consult a qualified professional.
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