Buy A Home

Let’s make that dream home a reality.

We're ready to help you

Make a selection below:

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

We can bring you home with confidence.

Your home is one of the biggest purchases you’ll make. Together, we’ll help you find the right mortgage for your dream home.

Our dncuMortgage Process

Find Out How Much You Can Afford
Check out our calculators below to help you learn about your financial situation or set up a free consultation. This information will help you know how much house you can afford.
Apply for a Mortgage
Once you’ve found the home, you are ready to apply! Use the link above or give us a call to start working with our dncuMortgage team.
Track Your Application
Upload documents easily and track your loan status from our portal. Congratulations!

Meet your dncuMortgage Team

Work Phone: 505-455-5433

Email: [email protected]

Do you have a mortgage loan in process?
Check your Loan Status

Ever Acosta
Home Equity Loan Specialist
NMLS# 2041861
Our team works hard to make dreams come true for our Members and our Community.
About me
Ever has been with DNCU for eight years & has over five years of experience in the mortgage industry. He is a graduate of Capital High School and holds a Bachelor’s degree from Highlands University.

“I think we have a great Community and a great Credit Union. Working in Mortgage allows me to connect the two together. Our team works hard to make dreams come true for our Members and our Community.”

In his free time, Ever likes to spend quality time with his family & walk with his dogs Mona and Toby.

Call Ever at 505-455-5433 or email him at [email protected] to find out your options for real estate financing.
Work Phone: (505) 455-5123
Email: [email protected]

Do you have a mortgage loan in process?
Check your Loan Status

Ralph Flores
Mortgage Loan Officer
NMLS# 331989
“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.”
About me
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 rflo[email protected] to discover your options for real estate financing.
Work Phone: (505) 455-5118
Email: [email protected]

Do you have a mortgage loan in process?
Check Your Loan Status

Thelma Rodriguez
Mortgage Officer
NMLS# 1437039
“I find it so rewarding to help our members achieve their financial goals. It is such an honor to Improve Lives with DNCU”
About me
Thelma has been caring for DNCU members for over 21 years. Her career with DNCU spans operations, member experience roles, and over 7 years in the mortgage lending area. Thelma specializes in Home Equity loans and Mobile Home loans.

Through DNCU’s home equity programs, Thelma is able to match a member’s needs with a perfect solution. In some cases that is a debt consolidation loan to help with monthly expenses or home remodel to get that dream kitchen. The Mobile Home loans offered by DNCU are designed to match members with homes that fit their lifestyle and budget. Thelma’s member-first approach comes from her love of her family and her passion for her community.

Call Thelma at 505-455-5118 or send an email to [email protected] to discover your options for real estate financing.

Su Prestamista y Representante de Hipotecas Bilingue en Del Norte Credit Union.
Work Phone: (505) 455-4667
Email: [email protected]

Do you have a mortgage loan in process?
Check Your Loan Status

Gilbert Varela
Mortgage Officer
NMLS# 484512
About me
Gilbert was born and raised in Las Vegas, NM. Gilbert graduated from New Mexico Military Institute and joined the United States Marine Corps. He has worked in the Mortgage Industry for 22 years in the great state of New Mexico.

In his free time, Gilbert is a Videographer and film editor. He has worked on projects including short films and social media commercials.

Call Gilbert at 505-455-4667 or send an email to [email protected] to discover your options for real estate financing.

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

Find out How Much You Can Afford

The following online calculators serve as helpful tools during the mortgage process.

PAYMENT / AMORTIZATION CALCULATOR
Calculate your monthly payment and see how the principal is paid over time.
RENT VS OWN CALCULATOR
Calculate the difference between renting and buying a home.
APR CALCULATOR
Calculate the APR for fixed-rate or adjustable-rate loans.
DEBT CONSOLIDATION CALCULATOR
Determine if you can consolidate your debt by combining it with your home mortgage.

Frequently Asked Questions (FAQs)

See all FAQs or contact DNCU

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

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

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.