Mortgage Loans
Home Mortgage
Mortgage loans from White SAnds FCU bring your dream of owning your own home within reach. We take the hassle out of mortgage loans. Our knowledgeable and friendly staff will help you during each step of the mortgage loan process, keeping your best interests in mind the entire time. We have many types of mortgage loans available with financing up to 95% 1. We can also help you turn the equity in your home into a powerful financial tool to help you do all of the things that you thought you couldn't.
*Some restrictions apply
Mortgage Loan Rates
APR: Annual Percentage Rate. Rates subject to change without notice.Loan rates and terms are determined by credit score, amount financed and other factors.
| Term | APR* as low as | APR* as low as - with Loyalty Plus | |
|---|---|---|---|
| 15 year fixed | 4.250% | 4.125% | |
| 20 year fixed | 4.750% | 4.625% | |
| 30 year fixed | 4.875% | 4.750% |
Home Equity Loans and Home Equity Lines of Credit (HELOC)
Home Equity Loans and HELOCs are quick and easy. Home Equity Loan terms are 5, 10 and 15 years set on a fixed interest rate. Our HELOCs are for 10 years with a variable interest rate based on the current prime rate plus a margin. Both types of loans allow for a combined loan to value of 90% (minus any first mortgage loans), and the loan proceeds can be used how you wish, when you wish, and may even be tax deductible.1
Home Equity Loan Rates
APR: Annual Percentage Rate. Rates subject to change without notice.Loan rates and terms are determined by credit score, amount financed and other factors.
| Term | APR* as low as | APR* as low as - with Loyalty Plus | |
|---|---|---|---|
| up to 60 months | 6.750% | 6.625% | |
| 61 - 120 months | 6.875% | 6.750% | |
| 121 - 180 months | 7.000% | 6.875% |
Call us for rates on Home Equity Lines of Credit
Mobile Home Loans
Yes! We provide financing for mobile and manufactured homes2. If you plan to purchase a mobile home or refinance the one you’re in, come see us. Our rates are affordable and our terms are flexible.
- Real property mobile home loans - To qualify, the home must be attached to land and the title de-activated. Terms are 15 or 30 years and the minimum loan amount is $40,000.
- Titled mobile home loans - Terms for titled mobile home loans can be up to 12 years.
Mobile Home Loan Rates
APR: Annual Percentage Rate. Rates subject to change without notice.Loan rates and terms are determined by credit score, amount financed and other factors.
| Term | APR* as low as | APR* as low as - with Loyalty Plus | |
|---|---|---|---|
| Up to 84 months | 8.00% | 7.75% | |
| Up to 120 months | 8.50% | 8.25% | |
| Up to 144 months | 9.00% | 8.75% |
1.Subject to credit approval. 90% appraised value less outstanding first mortgage (if any) available. Rates, APR (Annual Percentage Rate), terms and conditions subject to change without notice. Other programs, rates and terms may be available. Excludes mobile homes. Limited to New Mexico properties only. Limited to owner-occupied units. Some restrictions may apply. Please consult your tax advisor regarding the deductibility of interest. WSFCU does not give tax advice. Talk to a Real Estate Loan Officer today for specific details on all of our mortgage
2. Real property mobile home must be model year 1977 or greater. All loans subject to credit approval.
CONTACT US
Contact our Call Center at
(575) 647-4500 or (800) 658-9933.
Hours of Operation:
Monday thru Friday, 8 am-5 pm
By email: info@wsfcu.org
By mail: P.O. Box 99 Las Cruces, NM 88004
2755 North Main St, Las Cruces NM 88001
Routing & Transit # 312276470
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.
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.