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Personal > Home Loans > Refinance a Mortgage

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Mortgage Refinancing

Accomplish new goals with new terms.

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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

  • Lower monthly payments

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

  • Shortened loan length

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

  • Debt consolidation

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

  • 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 Member

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
  • Mortgage Officer Ralph Flores Poses Outside in Santa Fe

    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, Mortgage Officer Headshot

    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 Garcia Mortgage Officer

    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.

  • Lisa Munoz Mortgage Officer

    Lisa A. Muñoz

    NMLS#: 1101047

    I have lived in Santa Fe for the last 25 years with my husband and four children. We really enjoy being a part of the community and experiencing all the unique qualities New Mexico has to offer. I am a graduate of the University of Phoenix, where I received a BA, with Honors, in Science of Business Administration.

    With over 18 years of professional and mortgage lending experience in the financial industry, I have the knowledge and expertise to guide you through the mortgage loan process. I am committed to investing in our community by committing to my borrowers in helping them fulfill their dream of homeownership.

    I am experienced and enjoy working with all types of borrowers, from the 1st time home buyer to families moving up in house. I ensure my borrowers find the best product that fits their financial needs. I pride myself on educating my borrowers through communication, transparency, honesty and most importantly, with integrity.

    “We make a living by what we get, but we make a life by what we give”.

    -Winston Churchil

    Call Lisa at (505) 455-5148 or send an email to [email protected] for help with all of your mortgage needs.

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 calculator with paper pen

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

Get started today

DNCU offers free consultations with local and experienced mortgage officers.

Set up a free consultationAPPLY NOW OR LOG IN

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