About Justin Lente
Justin Lente was born in Albuquerque, New Mexico. After graduating from Rio Rancho High School, he joined the United States Navy in 2003. He was stationed on the U.S.S. Tarawa, an Amphibious Assault ship out of San Diego, California. While stationed on the ship he had the opportunity to travel and see a lot of the world from places like Australia, Hong Kong, Singapore, and many more. After his tour of duty on the ship, he was then stationed at Marine Aviation Logistics Squadron 24 in Kaneohe, Hawaii, where he lived for three years. In 2010 after serving honorably in the Navy for 7 years, Justin was ready to move forward to pursue his college degree. Justin moved to North Carolina and received his bachelor's degree from The University of North Carolina at Charlotte in Business Administration with majors in both Business Finance and Business Management in 2014. Along with pursuing his degree in North Carolina, Justin developed a passion for real estate and real estate and real estate investing. In 2012 Justin obtained his North Carolina real estate license and was awarded Rookie of the Year his first year in real estate. Along with working in real estate as a Realtor, Justin begin working as a Mortgage Loan Officer in 2015 after graduating with his undergraduate degree. In 2017, Justin decided to follow his North Star which led him back to his hometown of New Mexico in 2017. He continued to stay in the real estate field and obtained his New Mexico real estate license. Additionally, Justin also worked as a Government Contractor for the Department of Housing and Urban Development as a Tier 2 Customer Service Representative. Along with working as a Realtor Justin pursued a master's degree from the University of Dayton and in May 2020 received his MBA with a 3.51 GPA. As of December 2022, Justin has started his own real estate brokerage, North Star Realty Group NM, where he provides residential real estate services for buyers and sellers across New Mexico while specializing in military relocation. Justin is now the VP of Mortgage Lending for Rate and is licensed in New Mexico as a Loan Officer. Justin is excited to better serve his clients in the lending of residential mortgages. On a personal side, Justin lives at home with his wife and 2 dogs in Rio Rancho, New Mexico. He enjoys traveling and spending time with his family and friends at Lake Sumner where he has a second home and owns a convenience store, bait shop, and commercial kitchen. Most recently Justin has started running and competing in marathons and ultra marathons.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 100 Sun Avenue N.E., Suite 204 Albuquerque NM, 87109
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.