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Sandia First

Upgrade your mortgage

For Your Home Financing, Think Sandia First

Finance your next home with Sandia Area and enjoy low fixed rates, no lender fees, and a quicker closing. Plus, your mortgage stays with us, here in the community. That means you will always know who to call, and where to send your payments. The Sandia First product is perfect for those who:

  • Are making a down payment of 25% or more.1
  • Want great rates with a lower, fixed monthly payment.
  • Are eager to speed up the process.

Apply now for your preapproval and start shopping for your dream home.


Benefits of Financing with Sandia Area

  • Minimal closing costs2 - No origination fee, no discount points
  • No escrow3 - Lower monthly payments and you have the flexibility to manage your taxes and insurance.
  • Quick close - We move fast so you can too!
  • Your loan stays local - We service your loan right here.

Sandia First Terms

  • 75% Max Loan to Value4
  • 15 year fixed as low as 3.50% APR5
  • 25 year fixed as low as 3.75% APR5

Additional Products You May be Interested In

Home and Property Insurance ►

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    Sandia Area is an Equal Housing Lender. Sandia Area membership required. NMLS #561268. Sandia Area does not provide financing for manufactured homes. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Sandia First mortgages are a fixed rate loan. Rates apply to owner occupied loans only. Terms apply to loans up to $484,350.00. 1. Borrower is required to place sufficient down payment when equity is not available in the home. 2. Sandia Area does not charge lender fees. Borrower is responsible for all third party charges and fees. 3. Borrower is responsible for homeowners insurance and, if required, flood insurance. Borrower is responsible for paying property taxes. 4. Credit scores under a 680 allowed max loan-to-value (LTV) of 50%. 5. As low as rate assumes excellent credit history and may differ based on borrower's creditworthiness. Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit.