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Customer Testimonials

At High Desert Home Lending, LLC our goal is a happy customer. Our clients praise us for our great results, personable service, expert knowledge and money saving tips. Here are what just a few of them had to say:

#1 Customer Service

Colette went above and beyond to make our mortgage transaction go smoothly. We would highly recommend High Desert Home Lending.

– Pat B.

I would use them again and again.

When we needed a loan for our home we went to High Desert and were very pleased. They were patient with us and helped in getting a loan that fit our needs. They worked hard to make this a wonderful experience for us. Thank you High Desert!

– Dolores L.
Albuquerque, NM

Definitely a returning customer!

I First used High Desert Home Lending when I purchased my new home in August 2011 and my experience was phenomenal. So one year later when interest rates dropped more I absolutely contacted High Desert Home Lending again to refinance my home. They took my information, gave me the best interest rate, processed the loan quickly and smoothly. They know the lending business and know exactly what information is required to process the loan effectively and efficiently. They are very helpful, knowledgeable and friendly business to work with. I will definitely use High Desert Home Lending again and again!

– Joanne L.
Albuquerque, NM

Great experience and ALWAYS put the client first

My husband and I refinanced our house using Colette Ruggles and High Desert Home Lending. As everyone knows, going through the mortgage process is never fun and always frustrating, but Colette made it bearable. We were kept in the know throughout the process and Colette was always available to ask questions. We always felt that she had our best interest in mind when offering all scenarios. She was very honest about fees and closing dates. We knew what to expect with the process. Her honesty and integrity has been unmatched by any other mortgage specialist I have dealt with since my refinance in Albuquerque. If we were still living in Albuquerque, she would definitely be our go to mortgage expert. I have and will continue to refer business to her.

– Christine S.
Albuquerque, NM

I highly Recommend High Desert Home Lending, LLC.

I had my home refinanced thru High Desert Home Lending and have not met better qualified, courteous and friendly people to do business with. They did my loan fast, with no problems what so ever. I would recommend to anyone looking to refinance or buy a new home.

– Lou G.
Albuquerque, NM

Our first home buying experience was made simple by High Desert

My wife and I recently purchased our first home in the Santa Fe area. We worked with Colette, mainly via phone and email. She is experienced and made the mortgage approval process easy and understandable. She even drove up to our apartment in Santa Fe to go over the documents with us. Between her extra effort to help us and her all-hours availability (though I didn’t test it by calling her at 1am, haha), we really felt that we were working with a true professional. Of course, since it was our first experience, I can’t truly evaluate whether she found us the best deal on a mortgage, but we were happy with it (on par with other loans we’d scouted out) and High Desert Home Lending came recommended to us. I would in turn recommend them to any first time home buyers.

– John Y.
Albuquerque, NM

Can’t get much better than this!

Our experience with High Desert Home Lending was as easy as pie. Ms. Ruggles who helped us to refinance our home was very professional and friendly. She got us the best deal available for our refinancing with a low interest rate of 3.5%. Ms. Ruggles explained everything to us every step of the way and would take our questions very seriously. Sometimes answering the same question a couple of times because I was confused with some things. We would recommend High Desert Home Lending to anyone.

– Wendy S.
Albuquerque, NM

High Desert Home Lending made it happen!!!

Colette Ruggles went above and beyond when it came to getting me the best loan for my home! The rate I got was outstanding and unbeatable. I’m pretty sure I will be grateful to High Desert Home Lending for the next 30 years! Less

– Autumn C.
Albuquerque, NM

Quality Service

Prompt service done on refinancing my home. Service was done in a very Professional manner, in a very short time..Time is of the essence most of the time. Broker was very professional and courteous. Explained the process very thoroughly and was expedient with every aspect of the process. Recommend very highly. Great business without the big business atmosphere.

– Luciano G.
Albuquerque, NM

Thanks Colette!

We were in a big bind with our house.  We purchased our home on a real estate contract that had a three year balloon payment.  The three years were almost up and we had to get a mortgage to pay off the real estate contract or else we would lose our home. Our credit needed a lot of work.  We applied online for a home loan with High Desert Home Lending. Colette Ruggles replied by phone the next day wanting to know how she could help us.  I explained to her our situation and she found us a home loan when nobody else could help us.  We began with Colette in October and we had our loan closed in November.  Not only did she help us refinance our home, she also helped us pay off some of our bills.  We really enjoyed working with Colette and I would highly recommend her services and High Desert Home Lending.

– Loretta and Crawford V.
Kirtland, NM


Well High Desert Home Lending, you come through for me again. I don’t know how to thank you enough. I will always remember you, and if I ever move out there to Rio Rancho I’ll be giving you a call. Once again THANK YOU!!!!!!

– Stephanie M.
Valley National Bank