Routing Number: 307070050
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Your home is the biggest purchase you’ll ever make. It’s also a long-term investment that opens the door to true financial independence. Own the home of your dreams with help from the experts at Kirtland FCU.

Mortgage And Home Loans

A better life starts at home.


Choose from a wide variety of mortgage options to fit your goals, whether you’re buying your first home or a vacation home.
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It’s your dream. Build it from the ground up with a construction loan.
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Save money every month with a lower interest rate when you refinance your existing mortgage with Kirtland FCU.
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We’re Your Mortgage Leader

Enjoy that “why didn’t we do this sooner?” feeling.
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No Hidden
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Our Best Rate
With No Points
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Easy Financing,
Local Payments
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Mortgage Programs

Traditional Mortgages

Also known as fixed-rate mortgages, these mortgages feature a stable interest rate that won’t change over the life of the loan.
  • Ideal for all homeowners who will live in the home for 10 years or more
  • Predictable monthly payments
  • 10-, 15-, 20-, or 30-year terms available

Adjustable-Rate Mortgages

Adjustable-rate mortgages feature a low introductory rate which resets based on a set schedule.
  • Ideal for those who plan to sell or move again quickly
  • Monthly payments will change based on rate changes
  • Wide variety of ARM programs to choose from
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VA Mortgages

These mortgages are exclusively for veterans and active-duty members of the U.S. military.
  • Stable, fixed monthly payment
  • Little or no down payment required
  • 15- and 30-year terms available
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First-Time Homebuyer Mortgages

Backed by the U.S. government, FHA loans are designed exclusively for those purchasing a home for the first time.
  • Lower down payment required
  • Great rates
  • 15- and 30-year terms available
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Jumbo Mortgages

Yes, we finance homes in excess of $424,100 (up to $1.5 million).
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Second-Home Mortgages

If you’re in the market for a second home or a vacation home in New Mexico, we can help!
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Earn Cash Back With HomeAdvantage®

We’ve partnered with HomeAdvantage, a free real estate service that gives you the tools you need to buy like an expert.


Get An Agent

Find a trusted real estate expert to guide you.

Support For You

Use free tools to research home values, schools, crime rates, and more.

Earn Cash Back

When you close with a HomeAdvantage–approved realtor, you’ll receive a percentage of their commission, savings you hundreds, even thousands of dollars.



Three easy ways to apply.


Start your application online when it works for you—24 hours a day, 7 days a week.


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328
Give us a call


Stop by any of our four convenient branches to start your application.
Membership eligibility required. Kirtland FCU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members. See a representative for complete details. Loan subject to credit approval. FHA and VA mortgages are not available for condominiums, manufactured homes or investment properties. As with all lending services, full disclosures, terms, and conditions will be supplied with your mortgage or home equity papers. The HomeAdvantage® program is made available to you through a relationship between Kirtland Federal Credit Union and CU Realty Services. Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network.