Our most popular loan for borrowers who qualify. Conventional loans offer more flexibility and options, but typically require a higher credit score and down payment.
For high-value properties, Jumbo loans typically require stricter credit and income qualifications.
A government-backed mortgage for low- to moderate-income borrowers in eligible rural and suburban areas, offering no down payment and competitive interest rates.
NMLS #235442
Tina came to Radiant Mortgage with three decades of experience, with her lending career beginning in 1991. This includes five years in Consumer Banking and the past 30+ years in the mortgage industry. She started her career in mortgage in 1996 with Columbia National Mortgage Corp. in Abingdon, Maryland. She spent the next nine years building a reputation in the competitive and fast-paced East Coast market as the “Get It Done” person. She spent six of these years with Chesapeake Home Mortgage as a Senior Loan Processor and Office Manager.
Tina and her husband Chris moved to New Mexico in 2005 where Tina was employed by First Community Mortgage as a Senior Loan Processor/Junior Underwriter from 2005 to 2007. During this time, she received several awards for outstanding performance for volume and quality of work produced and won awards for excellent customer service. From 2008 to 2009, Tina was employed with 1st Metropolitan Mortgage as a Senior Loan Processor before deciding to become a Loan Officer.
In 2009, Tina opened her own branch in Albuquerque with PrimeSource Mortgage. In 2014, she received the highest award of the company with PrimeSource Mortgage. She has continued to build an incredible reputation year after year with exceptional customer service in Albuquerque and surrounding areas. In 2015, Tina came on board and opened Bay Equity Home Loans’ first location in New Mexico as an Area Sales Manager, all culminating with her move with her branch to Radiant Mortgage.
| Loan Type | Min. Down Payment | Credit Score Requirement | Loan Limit | Primary Use | Mortgage Insurance Required | Unique Features |
|---|---|---|---|---|---|---|
| Conventional | 3%-20% | 600+ | Conforming limits | Primary, secondary, investment | If less than 20% down | Flexible terms, various loan types |
| Jumbo | 10%-20% | 660+ | Exceeds conforming limits | High-value properties | No | Stricter qualifications for high-value homes |
| FHA | 3.50% | 540+ or 580+ manual |
FHA limits by county | Primary residences | Yes | Low down payment, flexible credit |
| VA | 0% | 540+ or 580+ manual |
VA limits by entitlement | Veterans, service members | No | No down payment, no PMI |
| USDA | 0% | 640+ | USDA limits by area | Rural properties | No | No down payment, rural eligibility |
| HELOC | Varies | Good to Excellent | Varies by equity | Equity access | No | Revolving credit line based on home equity |
| DPA | Varies | Varies | Varies | Down payment assistance | No | Assists with down payments |
| DSCR | Varies | Varies | Varies by property income | Investment properties | No | Focus on rental income for qualification |
| Bank Statement | Varies | 600+ | Varies | Self-employed borrowers | No | Income verified through bank statements |
| Construction | Typically 20% | Good to Excellent | Varies by project | Home construction | No | Covers cost of building new homes |
Area Sales Manager
(505) 235-3249
tkrupar@radiantmortgage.com
1630 Alameda Blvd NW
Albuquerque, NM 87114
We know a thing or two about the mortgage business. Above all else, we know that better listeners create better mortgages. At Radiant Mortgage we listen to you, your dreams, worries, desires, finances, goals – all of it. This is how we develop a mortgage tailored to your needs and your dreams, one that outperforms all others.