Business Details
Your Trusted Mortgage Broker in Albuquerque
Financial Mortgage Solutions is a locally owned and operated mortgage brokerage firm serving Albuquerque and surrounding areas. With over 18 years of industry experience, our team specializes in simplifying the home financing process through personalized loan solutions. We offer a comprehensive range of mortgage products including conventional, FHA, VA, USDA, jumbo, and renovation loans. Our NMLS-certified professionals provide expert guidance from pre-approval to closing, ensuring clients receive competitive rates and transparent communication throughout the transaction. We maintain strong relationships with real estate agents and prioritize long-term client satisfaction by delivering tailored financial solutions that meet individual homeownership goals. Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Renovation Loans
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations
- Our team includes NMLS-certified loan officers with specialized expertise
- We provide access to multiple loan programs including conventional, FHA, VA, and USDA options
- We guarantee competitive rates and transparent fee structures
- Our process includes comprehensive guidance from pre-approval to closing
Associations and certifications
- NMLS #2275047
What people say
Knowledgeable team
Smooth process
Excellent rates
Responsive communication
Expert guidance
Services
Conventional Loans
Conventional loans offer flexible terms for borrowers with strong credit profiles. These mortgages require as little as 3% down payment and provide options for 30, 20, 15, or 10-year terms. Borrowers with 20% down avoid mortgage insurance requirements.
FHA Loans
FHA loans provide accessible homeownership opportunities with lower credit score requirements. Qualified borrowers can secure financing with 3.5% down payments while benefiting from flexible qualification standards and gift fund allowances.
VA Loans
VA loans offer military members and veterans 100% financing with no down payment requirements. These government-backed mortgages eliminate mortgage insurance costs and feature streamlined refinance options for eligible service personnel.
USDA Loans
USDA loans provide zero-down payment options for qualifying rural property purchases. These government-sponsored mortgages feature competitive rates and flexible underwriting standards for eligible borrowers in designated areas.
Renovation Loans
Renovation loans combine purchase or refinance funds with home improvement financing. These specialized mortgages allow borrowers to finance property upgrades through increased loan amounts based on future property value projections.
People
Brian Mozley
Owner + Loan Officer
Brian Mozley has 18 years of mortgage industry experience. A University of New Mexico graduate, he specializes in personalized loan solutions while maintaining active community involvement through church service and youth soccer coaching.
Brandon Smith
Loan Officer
Brandon Smith provides expert mortgage guidance with a focus on client education. He specializes in explaining complex loan programs through simplified, client-centered communication.
Alberto Labrada
Loan Officer
Alberto Labrada offers multilingual mortgage services with emphasis on cultural sensitivity. He specializes in first-time homebuyer programs and community financial education initiatives.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and renovation loans with various term options to suit different financial situations.
How does the mortgage process work?
Our process includes documentation verification, property appraisal, underwriting, conditional approval, final verification, and closing with clear communication at each stage.
What credit score is needed for mortgage approval?
Minimum credit score requirements vary by loan type: 620 for conventional, 500-580 for FHA, and specific VA guidelines for veteran loans.
Can I get pre-approved before house hunting?
Yes, we provide pre-approval letters that help strengthen purchase offers while clarifying your budget before starting home searches.
Do you offer refinancing options?
We offer rate-and-term refinancing, cash-out refinancing, and streamline options for existing homeowners seeking improved loan terms.
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