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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

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.
Gilbert Varela
NMLS# 484512
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.
Ever Acosta
NMLS# 2041861
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.

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