| Home Mortgage
Our one-stop Mortgage Services Department provides in-house processing, in-house approval and 100% financing. Whether you want to buy your first home, a second home or an investment property, we offer financing solutions to help you realize your home-buying dreams.
Fill out our pre-approval application, and stop by your local banking center or Mortgage Services Department to speak to a mortgage loan officer about financing options. Before you apply for your home loan, use our customer application checklist to help you get organized.
We offer many home-buying programs, in partnership with:
- Federal Housing Administration
- Veterans Affairs
- U.S. Department of Agriculture
- New Mexico Mortgage Finance Authority
- Rural Housing Service
Our conventional loan programs include:
- Conforming and non-conforming loans
- Fannie Mae HERO loans, designed exclusively for households in which at least one member is a police officer, nurse, teacher, firefighter or an active member of the armed forces
- JUMBO no-income, no-ratio loans
- Adjustable-rate 1-year, 3-year, 5-year, 7-year and 10-year loans
- Interest-only loans
- Sub-prime (less-than-perfect-credit) loans
- Down payment assistance
Builder Rate Cap for New Construction
Build the home you want without the worry of rising interest rates during its construction. Put a ceiling on a low interest rate now and still have the flexibility to lower your interest rate if rates drop before closing.
- Lock in an interest rate for up to 540 days!
- Float-down feature - If interest rates drop before closing, you can lower your locked-in rate at no extra charge
The Builder Rate Cap can be applied to the following mortgage programs:
- Conforming fixed-rate
- Non-conforming fixed-rate
- Conforming hybrid adjustable-rate
- Expanded-criteria fixed-rate
- Expanded-criteria adjustable-rate
- All government fixed-rate
We're here to help!
Buying a home is very exciting but it can also be a little overwhelming. We're here to make the home-buying process as simple and streamlined as possible. From your initial meeting through the servicing of your loan, you'll work with a single point of contact to ensure you get continuous, high-quality service. |
Contact Information:
Las Cruces
Mortgage Services Department
2303 Divot Ave.
Las Cruces, NM 88001
141 Roadrunner Parkway, Suite 141
Las Cruces, NM 88011
P.O. Box 2380. Las Cruces, NM 88005
(575) 647-1804
FAX: (575) 647-4837
Our officers:
Mortgage Services Department
Judy Cassles
Vice President
Mortgage Loans
Shelly Sanders
Assistant Vice President
Mortgage Loans
Sharon Carroll
Michelle Jainer
Skip Trego |
