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Mortgage Loans


Mortgage loans from White Sands FCU bring your dream of owning your own home within reach. That is why we have partnered with SWBC Mortgage to provide our members with a variety of mortgage solutions. Whether you’re purchasing or refinancing a home, we are committed to making the home financing process easy and hassle-free.

We have simplified the application process to streamline buying a home. You can upload required documents and connect with your financial institution without the tedious task of collecting, faxing, and printing files. You can rest assured knowing that your documents are secure. Get started today.

Gather These Documents to Apply for a Mortgage

Today's Mortgage Rates

*APR is annual percentage rate. Some restrictions apply. Loyalty Plus discount and all discounts does not apply to credit cards or Mortgages
TermAPR* as low as
15 year fixed6.375%
30 year fixed6.875%


* APR (Annual Percentage Rate), terms and conditions subject to change without notice. Other programs, rates, and terms may be available.  Some restrictions may apply. Subject to credit approval.



Make your home work for you! Home Equity Loans are quick and easy and can be a great way to get closer to your goals.

kitchen remodel

If you are a homeowner, you can use that fact to borrow money from us for any reason.  Our Anything Loans feature a low, fixed-rate with terms up to 10 years.

  • Solar panels
  • Home improvements
  • Vacations and trips
  • Debt consolidation
  • College or private school tuition
  • Weddings

FHA loans are great options for first-time homebuyers, those without large down payments, and those using gifts for down payments and closing costs. White Sands FCU has joined forces with SWBC Mortgage to provide these loans at very attractive rates and terms to our members.

FHA Loan Highlights

  • 3.5% down payment
  • Gift funds or assistance allowed
  • Up to 6% seller concessions
  • Co-applicants may help you qualify, even if they will not be living in the home
6 Questions First-Time Homebuyers Should Ask Themselves

We’re proud to offer the VA mortgage loan program to eligible veterans, active-duty military personnel, reservists, and eligible family members. VA mortgage loans provide flexible fixed-rate loan options. White Sands FCU has joined forces with SWBC Mortgage to provide these loans at very attractive rates and terms to our members.

VA Loan Highlights

  • Finance up to 100% of the home's value with no monthly Mortgage Insurance
  • 4% seller concession allowed (i.e., VA funding fee, taxes and insurance, gifts, etc.)
  • No limit on seller contributions toward closing cost
  • Flexible credit and underwriting guidelines
military person holding model home in hands


Refinancing your mortgage can help reduce your monthly payments. We can help you decide if refinancing is right for you.

man holding house cutout

Are you ready to get started?

Contact Us

Call Center:
(575) 647-4500 or

(800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

Mailing Address:
P.O. Box 99
Las Cruces, NM 88004

Routing & Transit # 312276470

Federally Insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender

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

Federally Insured by NCUA  Equal Opportunity Lender  Facebook

White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.

Tax Solutions and Savings for Members