Kirtland FCU branches will be closed Thursday, November 25 in observance of Thanksgiving.

Mortgages
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.
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Mortgage And Home Loans

A better life starts at home.

buy

Choose from a wide variety of mortgage options to fit your goals, whether you’re buying your first home or a vacation home.

Build

It’s your dream. Build it from the ground up with a construction loan.

Refinance

Save money every month with a lower interest rate when you refinance your existing mortgage with Kirtland FCU.

Start your mortgage journey at the Home Loan Center.

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

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

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

Jumbo Mortgages

Yes, we finance homes in excess of $548,250 (up to $1.5 million).

Second-Home Mortgages

If you’re in the market for a second home or a vacation home in New Mexico, we can help!

We’re Your Mortgage Leader

Enjoy that “why didn’t we do this sooner?” feeling.

No Hidden Fees

Our Best Rate With No Points

Easy Financing, Local Payments

Get Pre-Approved

How Much Home Can I Afford?

Get Started

Three easy ways to apply.

Click

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

Call

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

CALL 1-800-880-5328

Visit

Stop by any of our convenient branches to open your account.

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 disclosures.

give to st. jude

Kirtland FCU is proud to partner with 92.3 KRST this December to benefit St. Jude Children’s Hospital’s support, treatment, research of childhood cancer.

Food Drive | December 1-23
Donate non-perishable food items at any branch! Donations benefit the food pantry of the Kirtland AFB Airmen and Family Readiness Center.