Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

Mobile Check Deposit is Temporarily Unavailable. We apologize for the inconvenience.

All Kirtland CU branches and locations will be closed on Tuesday, November 11 in observance of Veterans Day.

If you are experiencing financial hardship related to the government shutdown, we’re here to help. Click here to see how we are standing with you.

Fraud Alert: If you receive a call or text asking to verify a fraudulent transaction, do not respond, call unfamiliar numbers, or click suspicious links. Contact us directly using trusted methods.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

Chat Temporarily Unavailable: We’re currently experiencing issues with our chat service in Digital Banking. For immediate assistance, please call us or visit your nearest branch. We apologize for the inconvenience.

We recently upgraded our digital banking platform. Click Here to Learn More

The Home Loan Team

Meet the Mortgage Loan Officers helping the Albuquerque, Rio
Rancho and Los Lunas areas achieve home ownership!

Think you scored a good rate?

 We’re confident we can beat or match it.

Our Mortgage Loan Officers

Home loans can seem complicated. Our Mortgage Loan Officers are ready to make your homebuying experience quick and easy.

Fran Ponce

Mortgage Loan Officer

“As a mortgage professional with more than two decades of banking and lending experience, I’m here for you. I will help you with clear answers, straightforward advice, and affordable mortgage options, now and in the future.

I pride myself on honesty, hard work, and professionalism, and I am dedicated to making the process a positive and rewarding experience for you.

Whether you’re a veteran, first-time homebuyer, forever-home buyer, grand home buyer, or a current homeowner who is interested in refinancing, I look forward to helping you find the loan that best fits your needs.”

Kevin MOores

Mortgage Loan Officer

“You don’t have to navigate the mortgage process alone. I’m here to bring clarity to the complexity, helping you understand what’s realistic, what’s possible, and what fits your life. With years of experience and a genuine commitment to your goals, I’ll work with you to review your budget, income, and savings and provide a plan. It’s about more than securing a loan—helping you move forward with confidence, clarity, and peace of mind.”

Come meet us at the Home Loan Center!

Let's Talk!

Questions? No problem. Our Lending Experts are here for you.

Inquiry Form

Your New Digital Banking Experience Starts Now!

Improving your online banking and mobile experience.