Whether you’re a first-time homebuyer, you’re looking for a new home or even no-money down options, we are a not-for-profit cooperative who understand the New Mexico housing market. We have lots of home loan options* to meet your needs (not ours) and are easy to understand – with payments you can live with after you move into your new home.
A choice of terms, including low down payments, with a fixed-rate that offers stability and can save money over the long run.
Advantages come to those who have served, including things like no down payment or private mortgage insurance, higher debt-to-income considerations, greater credit flexibility and potentially better-than-average interest rates.
We offer home loans for first-time homebuyers in New Mexico. Enjoy lower down payment options, and credit score requirements, less restrictive debt-to-income ratios, and typically lower interest rates. Everything you need to get you into your first home.
If you already have a good idea of how long you’ll be staying in your home, fixed-rate mortgages offer stability over time while adjustable rates may offer lower rates up front.
A single loan with higher limits and typically a lower down payment.
Program for new and repeat homebuyers.
Chad has worked in the mortgage industry since 1999 and serves as Vice President of Mortgage Lending at US Eagle Federal Credit Union. He brings broad experience across Conventional, FHA, VA, and Home Equity lending and focuses on building strong systems that support both members and long-term portfolio health. Chad is passionate about helping first-time homebuyers and believes in practical, people-first leadership that delivers consistent results.
Sharon is a Mortgage Loan Officer with nearly 14 years of experience with the Mortgage Department. She specializes in Conventional, VA, and Home Equity loans. She enjoys helping members achieve homeownership and strengthen their financial goals and brings a well-rounded perspective from her background as a Real Estate Associate Broker. Outside of work, Sharon enjoys home interior decorating and encourages buyers to make at least one extra principal payment each year to reduce their loan term.
SCHEDULE AN APPOINTMENTSharon Sanchez
Anthony is a Mortgage Loan Officer with US Eagle, bringing more than 25 years of experience in the banking industry, including five years with the credit union. He specializes in first- and second-lien mortgages. He is committed to being a trusted resource for members throughout the home loan journey and values the long-term relationships built along the way. Outside of work, Anthony enjoys spending time with family and friends and being outdoors.
SCHEDULE AN APPOINTMENTAnthony Torres
See why we’re different—better—at notforprofitloan.org. We’ll find the best solution because we don’t work on commission.
Give us a call at 505-342-8957 so we can make a great plan together.
U.S. Eagle Credit Union offers a full range of home loans for New Mexico borrowers, including conventional mortgages, FHA loans, VA loans, jumbo loans, and adjustable-rate options. Members can also access first-time homebuyer programs, refinancing options, and home equity solutions. Whether you're purchasing your first home, upgrading, or looking for a competitive mortgage rate in New Mexico, our lending team helps match you with the right loan for your budget and long-term goals.
Yes, many borrowers in Albuquerque qualify for a mortgage even with fair or average credit. U.S. Eagle looks at your overall financial picture, including income, debt-to-income ratio, employment history, and available down payment. FHA loans and certain first-time homebuyer options can be especially helpful for borrowers who don’t have perfect credit. A mortgage loan officer can help you understand what you may qualify for and how to strengthen your application.
Absolutely. U.S. Eagle participates in first-time homebuyer programs available in New Mexico, including options with low down payments, flexible credit requirements, and competitive fixed rates. Depending on eligibility, programs may also provide down payment assistance or reduced mortgage insurance. First-time homebuyers in Albuquerque, Santa Fe, and throughout New Mexico can work with U.S. Eagle to find the right program and determine what they qualify for.
You can begin the mortgage application process without being a member, but you’ll need to become a U.S. Eagle Credit Union member before your loan is finalized. Membership is easy and available to anyone who lives, works, worships, or attends school in New Mexico. Becoming a member often provides additional financial benefits, including competitive credit union mortgage rates and personalized local service.
Conventional mortgage down payments at U.S. Eagle typically start at 3% for qualifying borrowers, though many members choose to put down 5–20% depending on their financial goals. Your credit score, income, and loan type all affect the required down payment. A mortgage specialist can help compare low-down-payment conventional options versus FHA and other programs to find your most affordable path to homeownership.
Most U.S. Eagle mortgage approvals take about 30 days, though timelines can vary based on the complexity of the loan and how quickly documents are provided. Pre-qualification is fast and helps you understand your home-buying power upfront. Once you are under contract, the appraisal, underwriting, and closing phases are clearly communicated so you know what to expect at every step.
Credit score requirements vary by loan type:
If you're unsure where you stand, a U.S. Eagle loan officer can review your credit and recommend the best loan options based on your financial profile.
Yes! U.S. Eagle offers mortgage refinancing for homeowners across New Mexico, whether your goal is to secure a lower interest rate, reduce your monthly payment, switch to a fixed rate, or tap into your home’s equity. A refinance consultation can help determine whether the current New Mexico mortgage rate environment makes refinancing a smart financial move.
Your home is more than a place to live - it's one of your greatest financial assets. Whether you want to refinance for a lower rate or access your equity for what matters most, we're here to help you make the most of it.
Refinancing could help you secure a lower interest rate, reduce your monthly payment, or access cash from your home's equity.
Apply NowWant to crush debt? Got home improvements? At this rate, there’s not much you can’t get done.
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One of the most flexible financial tools available to homeowners - giving you access to funds as you need them, with interest only on what you use.
Learn More*All loans subject to credit approval. Must qualify for U.S. Eagle membership including $5 share account deposit. Available lending programs subject to qualification. See U.S. Eagle for complete details.
1Up to $700 in appraisal fees may be covered by U.S. Eagle for purchase mortgage loans only - excludes refinance loans, Home Equity Loans and Home Equity Lines of Credit. Appraisals must be ordered through U.S. Eagle’s third-party Appraisal Management Company (AMC), ValueLink, in accordance with Appraiser Independence Requirements and regulatory compliance standards. Loan must be submitted for approval between April 1, 2026 and December 31, 2026 to qualify; however, additional eligibility requirements may apply. U.S. Eagle reserves the right to cancel the promotion at any time.
Email Chad Krieger
(505) 342-8715