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Buy A Home

Let’s make that dream home a reality.

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Apply For Purchase Apply For Refinancing Apply For Home Equity Loan or Line Of Credit

Whether it’s your first home, a bigger nest or a downsizing, DNCU has the local experience and expertise to meet your needs.

From pre-approvals to closing costs, DNCU is here for you

Get pre-approved
Start strong — know your budget before you begin your search with a quick and easy pre-approval from the mortgage experts at DNCU.
Find your home
Your pre-approval allows you to target your home search and may provide an advantage over casual home shoppers.
Finalize the deal
Details matter. That’s why DNCU will be there with you when the paperwork needs checking. And double checking.
Head home
Welcome home. The fun of home decorating and room picking begins.
Discover how DNCU can assist with issues relating to closing costs.

Meet our mortgage officers

Local, experienced and ready to assist with all of your real estate goals.

Ralph Flores
NMLS#: 331989
Ralph has enjoyed working in the mortgage industry since 2003. He is a graduate of Santa Fe High School and he holds a degree from SFCC.

“Homeownership is one of the greatest ways a person can build wealth and I love the opportunity I have to help people fulfill this dream.”

Ralph was born and raised in Santa Fe, NM. He loves to spend time with his wife Johanna and chasing after his three dogs, Ringo, Roco and Cricket.

Call Ralph at (505) 455-5123 or send an email to [email protected] to discover your options for real estate financing.
Amanda George
NMLS#: 1490629
Mandi is a Los Alamos local of 25 years and understands the local market. She has been in the mortgage industry for 10 years and is a graduate from Mesa State College in Colorado.

Mandi offers exceptional customer service while fostering relationships built on honesty and respect and has earned a reputation as someone who will go above and beyond to meet a member’s mortgage needs.

Mandi enjoys camping and Denver Bronco tailgating in the RV with her husband, Jerry and dogs Buster, Brock and Zailey.

Call Mandi at (505) 455-5477 or send an email to [email protected] to learn of your options for real estate financing.
Gilbert M. Garcia
NMLS#: 226983
Gilbert was born and raised in New Mexico and attended NM State University. Gilbert has worked in the mortgage industry for over 14 years and served on the legislative committee for the NM Mortgage Broker Association. His experience has included the processing, servicing and origination of mortgage loans.

In his free time, Gilbert is very active in the community and has served as the Vice President with USSSA Santa Fe Softball Association since 2012. Gilbert lives in Santa Fe, New Mexico and enjoys traveling, playing golf, basketball and baseball.

Gilbert’s commitment to excellence in service will ensure a smooth and professional transaction.

Call Gilbert at (505) 455-5183 or send an email to [email protected] for assistance with all of your mortgage needs.

I’ve been a member for 18 years and just finished paying off my mortgage! I was so happy that I wanted to celebrate with everyone at DNCU when I dropped off my last payment! Thank you for everything you do!

— Linda M., DNCU Member for 18 years

Run your numbers

Mortgage calculators

DNCU has an online calculator to help you get the details on achieving virtually any goal:

Payment & amortization

Rent vs own

Annual percentage rates

Debt consolidation

Prepayment savings

Early payoff

Refinance break-even points

A hand fitting a roof on wooden toy house with sun in background

Call us at (505) 455-5185 for our latest rates information.

Frequently Asked Questions (FAQs)

See all FAQs or contact DNCU

Please log into your account to access information relating to your account and to make payments as a non-member.

Access your online banking Bill Pay. Add a new bill payee by searching for Dovenmuehle Mortgage Inc.

Visit the Del Norte Credit Union website at dncu.org and log into your Online Banking account. Click on “Mortgage” in the navigation to enter the Mortgage portal. Choose “Online Payment” then “Automatic Payments.”

Follow the prompts to enter the payment information you would like to use for your automatic payments. Please be aware that automatic recurring payments may take up to 45 days to set up and you will be
notified once they have been activated. Continue making your payment through an alternate method until you receive confirmation.

Within two weeks of your mortgage closing, your loan will be accessible online. Information regarding your mortgage loan will be available through DNCU Online Banking in the Mortgage portal. You will find all the details of your mortgage there, such as Escrow Balances, Taxes and Interest, an Amortization Table and Monthly Statements.

If we set up your loan with an escrow account for taxes and insurance, DMI will make these payments for you. If you waived escrows, you will make these payments yourself.

Contact DMI for all questions concerning your mortgage payments and escrow at 1-855-473-5252. Member Service Department 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047-8945