Mortgage & Financing

Talking to a mortgage lender about financing is one of the most important steps that need to be taken on the path to homeownership.  In today's real estate market, obtaining a pre-approval is often the difference between purchasing your next dream home and being passed up for the next offer.  Most sellers aren't even accepting offers from buyers who haven't been pre-approved.  A mortgage lender will give you a clear idea of what financing options are available and work with you to match your goals with a loan that is right for you.  

Count On Your Mortgage Broker and Loan Officer To:

  • Assist you in selecting the best loan to meet your personal situation and goals.
  • Keep you informed of your loan status throughout the entire process.
  • Keep your Real Estate Agent informed of our loan progress.
  • Get the appropriate loan for you at the best rates and fees. 

Working with a good mortgage lender to get a pre-approval will give you a clear idea of what you can afford and confidence during the home buying process.  

We are proud to recommend our mortgage partners Jim Gay of Jim Gay Home Mortgage and Debra Hodge of The Mortgage Place, Inc.

Jim Gay - Jim Gay Home Mortgage


Jim Gay has lived in Santa Fe with his wife Scout for 18 years. During that time, he has worked diligently to provide home mortgages for hundreds of Santa Feans. Jim is licensed nationally with the NMLS and locally in the State of New Mexico. In 2002, he received the distinguished honor of Affiliate Realtor of the year, given annually by the Santa Fe Association of Realtors for high standards of support of the Realtor profession.

Jim has been a real estate broker for more than 30 years and a financial consultant to fortune 500 companies. His educational background includes an undergraduate degree in Business Administration, as well as a Masters degree in Business and Finance. He is an avid athlete and has completed the Houston marathon and several olympic distance triathlons.

Jim and Scout live in a traditional hacienda named Hacienda Cortacaro, after their daughters Courtney and Caroline. They share their home with three big dogs and three cats and all love to entertain. Both of their daughter's weddings and events have taken place in their hacienda. 

Contact Jim at 505-986-9080 or email