Mortgage Product Comparison

Kirtland Federal Credit Union has a variety of mortgage loans to fit your needs. Our underwriting guidelines are flexible, and our interest rates & points are very competitive! Obtaining your mortgage from KFCU also gives you the convenience of keeping all your finances in one location.


Consider Obtaining a Pre-Approval!

Pre-approval allows you to shop for a home, knowing exactly what you can afford. Improved bargaining power with the seller and real estate agent is an added benefit. Pre-approved buyers are able to close the deal on their home more quickly... which saves time and money! Be prepared by reviewing our Required Documents Checklist and apply for a mortgage pre-approval today!

Apply for a mortgage today!


Minimal Down-Payment Options from Kirtland Federal Credit Union!

Many of KFCU's mortgage loan programs allow you to purchase a home with minimal money down. These programs include:

  • 30-Year Fixed
  • FHA 30 Year
  • FHA 15 Year
  • 20-Year Fixed
  • 15-Year Fixed
  • 10-Year Fixed
  • 15/15 ARM
  • 10/1 ARM
  • 7/1 ARM
  • 5/1 ARM
  • 5/5 ARM

Some restrictions may apply.

Please contact one of our friendly lending professionals via email or by telephone at (505) 254-4369 for more information!

30-Year Mortgage

Our conventional 30-year fixed mortgage offers protection against rising interest rates, and requires a minimal down payment.

  • Fixed rate, minimal down payment
  • Protection against rising interest rates, long-term occupancy
  • Borrow up to $424,100 (Fannie Mae's maximum loan amount), based on property type, loan-to-value, owner-occupation and PMI requirements
  • 30 year fixed-rate mortgage
  • Not available for manufactured homes

Current Rates

20-Year Mortgage

Our conventional 20-year fixed mortgage offers protection against rising interest rates, and requires a minimal down payment.

  • Fixed rate, minimal down payment
  • Protection against rising interest rates, long-term occupancy
  • Borrow up to $424,100 (Fannie Mae's maximum loan amount), based on property type, loan-to-value, owner-occupation and PMI requirements
  • 30 year fixed-rate mortgage
  • Not available for manufactured homes

Current Rates

15-Year Mortgage

Our 15-year mortgage is a conventional fixed mortgage, and is a great product for those wishing to build equity or pay their loan off sooner. It provides protection against rising interest rates, and has a lower rate than the 30-year fixed mortgage. The 15-year mortgage is not limited to Fannie Mae’s maximum loan amount.

  • Fixed rate, minimal down payment, lower rate than the 30-year fixed
  • Protection against rising interest rates, those wishing to build equity or pay-off sooner
  • Borrow up to $1,500,000, based on property type, loan-to-value, and owner-occupation and PMI requirements
  • 15 year fixed-rate mortgage

Current Rates

10-Year Mortgage

Our 10-year mortgage is a conventional fixed mortgage, and is a great product for those wishing to build equity or pay their loan off sooner. It provides protection against rising interest rates, and has a lower rate than the 30-year and 15-year mortgages. The 10-year mortgage is not limited to Fannie Mae’s maximum loan amount.

  • Fixed rate, minimal down payment, lower rate than the 30-year and 15-year mortgages
  • Protection against rising interest rates, those wishing to build equity or pay-off sooner
  • Borrow up to $1,500,000, based on property type, loan-to-value, and owner-occupation and PMI requirements
  • 10 year fixed-rate mortgage

Current Rates

Construction Loans

Call us for details! (505) 254-4369

  • Fixed rate, based on Prime +1 with a minimum rate of 6%
  • Maximum Loan-to-Value 80% of acquisition
  • Great for members with A & B credit wishing to build a home on their own property

Land Loans

Call us for details! (505) 254-4369

  • Fixed rate loan, based on Prime +2% with a minimum rate of 6%
  • Maximum Loan-to-Value 75%
  • Specially designed for members wishing to build their own home within 3 years

How to Apply

Online Banking


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