ROUTING NUMBER: 307070050
We'll BEAT That!
Looking to purchase or refinance a home? Bring us a quote from another lender & we will BEAT (or match) it.
A little brew,
a little home loan,
and a whole lot of fun!
Thursday, September 28 • 5:30–7:30 p.m.
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 CU.
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
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
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
Jumbo Mortgages
Yes, we finance homes in excess of $726,200 (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?
Financial Workshops & Educational Resources
Financial Wellness Center
We have developed a Financial Wellness Center, in partnership with MoneyEdu, to offer online courses, a full article library, and personal credit counseling agents that can meet with you on your time.
Understanding Mortgages
Learn the parts of a mortgage and common mortgage loan options including:
- The components of a mortgage, including the down payment, monthly payment, taxes, and fees.
- How the term (length) of a mortgage affects your monthly payment and overall cost.
- The difference between fixed and adjustable rate mortgages.
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 CU 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.
