
Mortgage Refinancing
Accomplish new goals with new terms.
A new mortgage means new possibilities
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Lower monthly payments
Lighten your family’s burden with a lower monthly payment.
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Shortened loan length
Looking to own your home sooner? New terms can help shorten your payment timeline.
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Debt consolidation
Bring all obligations under one roof by consolidating your debt with a refinanced mortgage.
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Home improvement
It’s time to turn that home project dream into a real estate reality — get it done with a refinancing.

— Nickole G., DNCU MemberI love the personal service. I have had a few unique requests over the last year and each time the staff was so accommodating and super easy to work with.
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Ralph Flores
NMLS# 331989Ralph 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.
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Gilbert Varela
NMLS# 484512Gilbert 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.
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Ever Acosta
NMLS# 2041861Ever 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.
Run your numbers
Mortgage calculators
DNCU has an online calculator to help you get the details on achieving virtually any goal:
Payment and amortization
Rent vs own
Annual percentage rates
Debt consolidation
Prepayment savings
Early payoff
Refinance break-even points

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

Free Guide To Refinancing
Is now the time to refinance your home? How can you ensure that you get the best terms?
Refinancing can seem like a daunting challenge. Don’t go it alone.
Get guidance and tips in our free guide to refinancing in New Mexico today.
Get started today
DNCU offers free consultations with local and experienced mortgage officers.
Join us
505-455-5228 or
(877) 818-3628 toll-free.