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.
Bring all obligations under one roof by consolidating your debt with a refinanced mortgage.
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.
Ralph FloresNMLS#: 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 M. GarciaNMLS#: 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.
Gilbert VarelaNMLS#: 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.
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.
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
Refinance break-even points
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.