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Home Loans

Buy, Refresh, Refinance—Loans For Every Adventure

Finding the perfect home or property is exciting—financing it should be just as simple. At Sandia Area, we offer competitive mortgage loans, land loans, and home equity options to help you buy or borrow with ease. Whether you're purchasing a home, securing land, or tapping into your home’s equity, our flexible loan solutions, expert guidance, and straightforward application process make it easy. Get started today with a trusted financial partner.


Home Loan Rates at A Glance

Mortgages

See our latest mortgage and mortgage refinance rates 

Learn More 

Home Equity Installment Loans 

APR1 as low as

7.00%

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Home Equity Lines of Credit 

APR2 as low as 

8.00%

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Land Loans

APR3 as low as 

8.50%

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Estimate, Compare, and Plan

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Take the guesswork out of home financing with our easy-to-use calculators. Estimate your mortgage payments, determine how much home you can afford, create a homebuying budget, or see how a HELOC could work for you.

Try our Calculators

 


I Want to Build

Land Loans

Find the ideal spot to build your future—our land loans make it easy to finance your dream property.

Learn More Apply Now    

I Want to Buy

Mortgage

Get the financing you need to buy your dream home (or refinance) with competitive rates and flexible loan options.

Learn More     Apply Now

I Want to Improve

Home Equity

Turn your home’s value into cash you can use for, well, anything!

 

Learn More     Apply Now


Protect Your Home

Sandia Area partners with Inszone Insurance to provide reliable home insurance options, with the coverage that fits your needs. Get a quote today!

Learn More


Home Loans | Terms & Conditions

Federally insured by NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details.

1. Rate effective 03/12/2025, and subject to change without notice. New Sandia Area loans only. Subject to credit approval. Rates are based on an evaluation of credit history and lien position. “As low as” rate assumes excellent credit history and first lien position. Your rate may differ.

2. APR = Annual Percentage Rate effective as of 12/20/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. New Sandia Area loans only in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel and Los Alamos on residences with clean title history.  “As low as” rate assumes excellent credit history and first lien position. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. Home Equity Line of Credit is a revolving credit line. Maximum loan amount is 90% LTV for 180 months up to $200,000. Loans over $200,000 will be reviewed on a case-by-case basis. Term of 180 months consists of 5-year draw period followed by 10-year repayment only period. Home Equity Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 7.50% as of 12/20/2024. When a range of rates has been published, the highest rate will be used. The current margin could range between 0.50% - 1.50% and is subject to change based on your credit score. The HELOC has a floor of 3.75% and a ceiling of 18.00% and will change by no more than 0.25% per month.

3. APR = Annual Percentage Rate effective as of 03/12/2025. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. All consumer loans are charged simple interest with no pre-payment penalty. Valid for raw land five (5) acres or less in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel, and Los Alamos. Land loans are fixed rate loan products. A full appraisal and survey will be required on all land loans and normal closing costs, origination fees, application fees, and title insurance are required. See a representative for details.

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Sandia Area Federal Credit Union
P.O. Box 18044
Albuquerque, NM 87185

1.505.292.6343
1.800.228.4031

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National Credit Union AdministrationEqual Housing Lender

This Credit Union is federally insured by the National Credit Union Administration (NCUA).

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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