About Santa Fe Mortgage

Santa Fe Mortgage focuses on giving our customers personalized service while also providing rates that are comparable to or better than those offered by the big banks. Owner Lance Armer has dedicated himself to the mortgage industry – and could not imagine doing anything else. His story reflects the story of Santa Fe Mortgage.

About Lance Armer

Lance Armer, NMLS 210927, is a native of Kansas City and attended public high school there. He went on to earn a degree in advertising at the University of Kansas back when advertising was all about print, broadcast, and direct mail – what most people call junk mail. He wasn’t crazy about the advertising business, but working in the industry gave him a different perspective on business and customer service. Lance went on to build two radio stations – the first outside Hutchinson, Kansas in 1983 and a second licensed to Los Alamos, New Mexico. The Los Alamos station, KBOM-FM, was originally a Spanish-language station, and Lance spoke Spanish daily for more than three years at work. In 1990 KBOM changed to an Oldies format and became the #1 rated station in the Santa Fe metro area. A change in the majority ownership in 1993 meant a change in personnel – and the end of Lance’s radio career. That’s when he moved to Santa Fe and transitioned into the mortgage lending business. He learned the ropes largely through completing a training course for new mortgage lenders conducted in Colorado Springs and then shepherding each loan file, personally through the underwriting process.

About Santa Fe Mortgage

Lance established Santa Fe Mortgage in 1993. His timing was optimal – that was the same period when the Savings and Loan industry was imploding. The business of mortgage lending had historically been the domain of local Savings & Loans so their demise left a void in the market. A lot of big national and regional banks rushed into the market, but their impersonal and sterile approach provided an opening for small lenders that made mortgage lending their central focus and were willing to take a hands-on approach to lending. As a small mortgage lender, Santa Fe Mortgage enjoys a one-on-one relationship with its clients. One of Lance’s greatest sources of satisfaction is witnessing his clients’ excitement upon learning they got the house – and the relief expressed by clients who successfully refinance their mortgages with a significant savings. As a small lender, Santa Fe Mortgage has the latitude to set its own rules – rules that put the client first. If you’re in the market for a new home, or refinancing your present home, give Lance and the team at Santa Fe Mortgage a call today.

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