Do you only work with KT Homes buyers?
Not at all. KT Homes is where a lot of my new-construction experience comes from, and I'm proud to be their preferred lender — but I'm not limited to their buyers or their communities. I work with buyers using regional and national builders, local and custom builders, spec homes that are already finished, and plenty of people buying resale homes or refinancing. The builder on the contract doesn't change what I can do for you.
Do I have to use KT Homes' preferred lender to buy a KT home?
No. Federal law gives you the right to choose your own lender on any home purchase, including a new build. Being their preferred lender means I know their contracts, their construction timelines and their process — not that you're required to use me. If there's a builder incentive tied to financing, that's KT's decision, and you should ask them what it's worth in dollars so you can compare offers honestly.
How long does financing take on a new construction home in Las Cruces?
The loan itself still takes about 30 days. What changes is when those 30 days start. On a resale you close about a month after going under contract. On a new build you might sign six to nine months before the home is finished, so we pre-approve you up front, stay in touch during construction, then re-verify everything near completion. The waiting happens before the loan work, not during it.
¿Habla español? / Does Chris speak Spanish?
Sí. I was born and raised in Chihuahua, Mexico, and work with clients in Spanish or English through the whole process — application, disclosures, underwriting questions and closing. Loan documents themselves are federally required to be in English, but every conversation and explanation can happen in Spanish.
New Mexico is a community property state — does that affect my mortgage?
It can. If you're married and applying on your own, your spouse's debts may still count toward your debt-to-income ratio on certain programs, and your spouse will usually sign specific documents at closing even without being on the loan. It's worth raising early because it occasionally changes which loan program makes the most sense.
Can I get a zero-down loan in Las Cruces?
Possibly. VA loans are zero down for eligible service members and veterans. USDA loans are also zero down, and more of the area around Las Cruces and Doña Ana County falls inside USDA's eligibility map than most people expect. Send me an address and I'll check it.
Do you have an office in Las Cruces?
My licensed office is in Mesa, Arizona, and I'm licensed to originate loans throughout New Mexico from there. In practice it changes very little — mortgage lending happens almost entirely by phone, email and secure upload these days, so the application, disclosures and signing all work the same wherever your lender sits. I hold a New Mexico license, my New Mexico line rings straight through to me, and I work with KT Homes' Las Cruces team often enough to know their process well. If it would help to talk it through before deciding, I'm glad to.
Which parts of New Mexico do you lend in?
All of it. My license covers the whole state, and I have clients from Las Cruces and Doña Ana County up through Albuquerque and Rio Rancho, into Santa Fe and the north, and out east to Carlsbad, Hobbs, Roswell and Clovis. Southern New Mexico is where I started and where I spend the most time, but nothing about the process changes based on which corner of the state your home is in.
