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

We’ve been notified of a scam, it appears that they are falsely representing Del Norte Credit Union. We will never reach out to you asking for your personal information. Please do not share your account number, social security number, PIN, User ID, debit card number, passwords or any verification codes through email, US Mail, phone calls or text messages.

Close

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

  • 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.

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
  • 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.

  • 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.

  • 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.

  • 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.

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.