cledesma@houseloan.com
970-399-7024
Christina R. Ledesma
Buying a home or exploring a refinance? Connect with Christina R. to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Christina R.
With nearly 30 years in an award-winning career in mortgage, Christina Ledesma has taken her knowledge and experience and passed it all on to her clients, partners and team. Chris is a native of Western Colorado and has lived in the Delta, Colorado, area her entire life. Beginning her career in the mortgage industry with Wells Fargo in 1997, she has been consistently recognized in Scotsman Guide for her professional success as well as a Top Lender in both Wells Fargo and Cornerstone Home Lending’s President’s Clubs. As Branch Manager of the Delta office, Chris has been an active member of local business clubs, area Chamber’s of Commerce, Booster Clubs and enjoys supporting her local Delta County communities. A commitment to providing personal, dedicated service and informed mortgage guidance to help clients select a residential loan program that is right for them is the Ledesma Team’s main goal. Her efficient, knowledgeable team strive to offer a stress-free loan experience with competitive rates and quick underwriting turn times. A love of working with people, as well as enjoying forming relationships with clients that are built on trust, integrity and hard work is a top priority for the team.
What clients say about Christina R.
Outstanding!!
Christina was wonderful, would absolutely work with her again! She made the process go smoothly and quickly, and got me into a house in record time. I greatly appreciate her services.
Christina is a total pro, she helped me get a home loan and was awesome every step of the way!
Great experience again and everything went smooth!
It was a struggle for us for years and Chris and her team worked and kept us on track. We closed our home yesterday. I am so grateful.
Chris and her team have been a pleasure to work with! As first-time homebuyers, they made the entire process smooth and were always quick to answer our questions and explain everything clearly. They were responsive, professional, and kept us informed every step of the way. We really appreciated all of their help and would definitely recommend them to anyone looking for a great lender.
We had a great experience Christina and her assistants really know what they are doing. Closed on time.
Chris and her team make the lending process painless. Any time we have gone through a purchase or refi over the years it has been navigated with patience, education and successful loans.
Let’s connect
Contact Christina R.
Share a little about your plans and how to reach you.
Office locations
Suite B
Delta, CO 81416
Suite 200
Fort Collins, CO 80528
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Christina R. today.
