Kirtland CU branches and the Member Contact Center will be closed Thursday, November 24 in observance of Thanksgiving Day.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Finance with us - Save $1500
Get 'In the Know' with ABQ's Lending Experts
Get Started With a Quote

For life’s now moments and the roads ahead, let our Local Mortgage Team assist you with common-sense lending options to fit your unique loan needs.

Get YOur $1500 Lender Credit

Less Cash at Closing

Buy Down Your Rate

The Kirtland CU loan officers are your local experts and will guide you through your homebuying journey.  They will work with you to determine the best option for using your lending credit.

Must close by January 31, 2023

Achieve Home Ownership with Kirtland CU

With low interest rates and terms from 10 years to 30 years, financing your home with Kirtland CU just makes sense. Use our handy loan calculator to see where a mortgage would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland CU will follow up to answer any questions or get your application started.

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 $647,200 (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!

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 disclosures.

The $1500 is a lender credit that can be used towards the closing costs or to buy down the rate on purchases or refinances. Only first mortgages are eligible. Home Equity loans, HELOCs, land loans, and construction loans are not eligible. The Mortgage Loan must close by January 31, 2023 to receive the $1500 lender credit.

1-day personal loan special

Up to $50K Signature Loan @7.49% APR* with terms up to 60 months

Kirtland CU branches and the Member Contact Center will be closed Monday, September 5 in observance of Labor Day.