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Directory of fha loan specialists in Santa Fe, New Mexico. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Santa Fe, NM
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New Mexico before hiring.
Showing 19 fha loan specialists in Santa Fe, NM
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Homewise
1301 Siler Rd Bldg D, Santa Fe, NM 87507
5059839473
Nations Lending - Santa Fe, NM Branch - NMLS: 2147533
515 Don Gaspar Ave Suite A, Santa Fe, NM 87505
5052163593
Robert Morris at Waterstone Mortgage NMLS #492531
417 E Palace Ave, Santa Fe, NM 87501
5057804921
BernaDette Sanchez at Waterstone Mortgage NMLS #1194059
Sandra Claymore at Waterstone Mortgage NMLS #492523
417 E Palace Ave, Santa Fe, NM 87501
5057150278
Brad Gallegos Branch
404 Kiva Ct STE G, Santa Fe, NM 87505
5056606235
Santa Fe Mortgage Company
459 Cerrillos Rd, Santa Fe, NM 87501
5059882501
Change Home Mortgage
549 S Guadalupe St #206, Santa Fe, NM 87501
5055966061
Guild Mortgage - Paula Delair
130 Lincoln Ave Ste K, Santa Fe, NM 87501
5056601988
Union Home Mortgage
150 Washington Ave Suite 201, Santa Fe, NM 87501
5054947946
Marita DeVargas - Mortgage Advisor (loanDepot)
150 Washington Ave Ste. 201, #206, Santa Fe, NM 87501
5056605044
Annette's Team Alvarez at Bell Bank Mortgage
150 Washington Ave Regus Suite 223, Santa Fe, NM 87501
5059208325
Mortgage Partners
417 E Palace Ave #3, Santa Fe, NM 87501
5056606575
The Mortgage Place
231 Washington Ave, Santa Fe, NM 87501
5059869080
Guild Mortgage Company
130 Lincoln Ave Ste K, Santa Fe, NM 87501
5052964747
Michael Yrene Mortgage Loan Officer
150 Washington Ave #201, Santa Fe, NM 87501
5052645430
An FHA loan specialist in Santa Fe can help you understand and apply for a Federal Housing Administration insured mortgage. New Mexico has specific property tax rules and a high rate of first-time home buyers who use FHA loans. These specialists guide you through local lender requirements and New Mexico real estate laws.
What Does a FHA Loan Specialist in Santa Fe Cost?
Typical costs for an FHA loan specialist in New Mexico include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Lender fees may range from 500 to 1,500 dollars. Closing costs in Santa Fe average 3 to 5 percent of the loan amount. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist do in Santa Fe?
An FHA loan specialist helps you qualify for an FHA insured mortgage. They review your credit, income, and debt to match you with an approved lender. They also explain New Mexico specific rules like the state's property tax exemption for veterans.
What are the FHA loan limits for Santa Fe County in 2025?
For 2025, the FHA loan limit for a single family home in Santa Fe County is $498,257. This amount is set by the Department of Housing and Urban Development and may change yearly.
Do I need a special license to be an FHA loan specialist in New Mexico?
Yes, loan originators in New Mexico must hold a state license through the Nationwide Multistate Licensing System. They must also complete continuing education on New Mexico mortgage laws each year.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New Mexico.