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Del Norte Credit Union branches are closed May 30th, 2022 in observance of Memorial Day. Tuesday, May 31st, 2022 our DeVargas branch at North Guadalupe will have drive-thru hours only.

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The Credit Union Difference When It Comes to Mortgages

Perhaps you have been a loyal bank customer all your life, partnering with one branch to open new accounts and tend to other financial services. Now, as you’re taking the next steps to invest in your first home, you’re reaching out to the same bank to learn about their mortgage and financing options. While there is something to be said … Continue reading

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How Much Can I Afford to Spend on a Home?

Whether you are shopping in Santa Fe, Española, Los Alamos or elsewhere in Northern New Mexico, buying a home can be an exciting time in your life. Since it is usually the biggest purchase in your life, buying a home usually comes with stress. When you try to figure out how much you can afford to pay on your New … Continue reading

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Home Equity Line of Credit (HELOC)

If you’re looking at ways to pay for your child’s college education or to do home improvements, tapping into your home’s equity is one way to come up with extra funds. Home equity is the difference between what you owe on the mortgage and what your home could sell for. A home equity line of credit or HELOC can also … Continue reading

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Adjustable-Rate Mortgages (ARMs)

What are Adjustable-Rate Mortgages? The adjustable-rate mortgage (ARM), also known as a variable-rate mortgage, is a loan with an interest rate that fluctuates over time depending on market conditions. These home loans can be used when fixed-rate loans are hard to acquire. With an ARM, a rise in interest rates results in higher monthly payments, while monthly payments fall if … Continue reading

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Fixed-Rate Mortgages

Buying a new house is exciting, but it is also a big commitment. Not only do you have to find a home that meets your needs, but you also need to find one within your budget. A mortgage loan provides you with the money you need to purchase a home upfront, but you will have to choose between loans with … Continue reading

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Applying for a Mortgage

The Mortgage Application Once you have found a home to buy, you’re ready for the next step in the homeownership journey: the application for a home loan. Knowing the steps along the way can make an otherwise overwhelming process go more smoothly, and we’re here to help you through the process. Here are the steps you’ll follow to ensure that … Continue reading

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3 Reasons to Get a Mortgage at a Credit Union

You’ve found the perfect house for you and your family, but have you thought about who you’ll choose as your mortgage lender? National banks aren’t the only institutions that provide mortgage loans; credit unions are another option – and often times a much better one! When it comes to credit unions, your mortgage loan officer is there to serve you … Continue reading

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When is the best time to buy a home?

Buying a home is a momentous time in a person’s life. It can be extremely stressful not only because it’s a large expense but also because the housing market can fluctuate over the course of a single year. Buying at the wrong time may mean you need to pay more over the life of your loan because you bought when … Continue reading