Albuquerque Home Loans is a dba of Schmille Financial LLC and is Locally Owned and Operated by Rick Schmille. We are a Mortgage Broker license to do business in New Mexico. As a Mortgage Broker we work for you, our client, and not the bank. Our goal is to find you the best mortgage program at the best rate with the lowest fees available. Our commission/income on each loan is based on a fee that does not change with the rise or fall of the interest rate, or the lender we find for you. We strive to have a better rate and fees than any national or local bank, mortgage lender or on-line lender that you may get a quote from. We encourage you to shop your rate with these other lenders. When we go to work for you, we shop for you with a group of the best Wholesale Lenders in the country. These lenders often offer incentives to us for our business, and we will always be looking for these and take advantage of them. The lenders we use only provide residential mortgages and they are all very efficient and timely. We work on a 21-calendar-day schedule going from application to closing and are usually ready for closing before all the other parties involved in the transaction. On a personal note, Rick Schmille has been a trusted name in the Albuquerque Real Estate Community for over 41 years as a Custom Home Builder, Realtor, and Mortgage Broker. He puts his experience to work for all his clients.