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Your home loan made easy!

Your hometown mortgage experts!

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Get started by using one of our FREE tools!

Becky Watkins

Loan Officer  //  NMLS #327288

Becky brings more than twenty-five years of experience working in every aspect of the mortgage and real estate professions.  She is passionate about her work and that passes through to the people she works with in helping mortgage borrowers reach their financial goals.  She understands the process of buying real estate in any context can be daunting, so she takes the time to listen, understand and share the vision of each client she works with to assure that they are informed and comfortable throughout their experience.   She believes that there are no problems, only solutions.

Becky works closely with all levels of homebuyers, homeowners for refinancing and investors to ensure there’s a plan to get them where they want to be, now and in the future.  She strives to transform client relationships into lasting friendships.

As a Mortgage Broker, Becky acts as a personal shopper for your loan.  She makes it a priority to stay up on all the latest loan options available for the First Time Homebuyer to the seasoned Commercial Real Estate Investor.  So whether you’re buying the home of your dreams or investing in real estate to hold, to flip or retire with, Becky has the knowledge and tenacity to see your transaction through to a successful resolution.

becky@fmshome.com(505) 235-9810Apply Now
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Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

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How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered.
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.
6

Closing

Signing the final documentation and receiving the keys to your new home!