Del Norte Credit Union on Google Play Store Del Norte Credit Union on IOS app store

Personal > Home Loans > Refinance a Mortgage

Person cleaning their gutters on a New Mexican home

Mortgage Refinancing

Accomplish new goals with new terms.

Log Into Existing ApplicationAPPLY NOW

If you’re considering refinancing your mortgage, DNCU has the experience and expertise to guide you through the process and secure the best terms possible.

A new mortgage means new possibilities

  • Dollar Sign

    Lower monthly payments

    Lighten your family’s burden with a lower monthly payment.

  • Building

    Shortened loan length

    Looking to own your home sooner? New terms can help shorten your payment timeline.

  • Coupon

    Debt consolidation

    Bring all obligations under one roof by consolidating your debt with a refinanced mortgage.

  • Piggy Bank

    Home improvement

    It’s time to turn that home project dream into a real estate reality — get it done with a refinancing.

DNCU Member Nikole G smiles with New Mexico landscape in background

I 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.

— Nickole G., DNCU Member
  • Image of Ever Acosta

    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.

  • Mortgage Officer Ralph Flores Outside DNCU Branch

    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.

  • Thelma Rodriguez

    Thelma Rodriguez

    NMLS# 1437039

    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.

    “I find it so rewarding to help our members achieve their financial goals. It is such an honor to Improve Lives with DNCU”. 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.

  • Image of smiling Gilbert Varela

    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.

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

Mortgage refinance application document with pen resting on top

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

Funny family playing band with dishes on kitchen floor and bowls on heads

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 The Guide

Get started today

DNCU offers free consultations with local and experienced mortgage officers.

Set up a free consultationAPPLY NOW

Join us

Become a DNCU member
Apply now
Stop by one of our branches
Find your closest branch
Call us

505-455-5228 or
(877) 818-3628 toll-free.