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Home Investment Mortgage offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide conventional and VA loans for primary residences, conventional loans for investment properties and second homes, home equity lines of credit and second mortgages. Also, please ask about the first-time homebuyers programs if you have never owned a home, or if you have not owned a home in the past three years.

Conforming Loans
VA Loans
95% Financing Loans
First Time Homebuyer - New Mexico Mortgage Finance Authority
HERO
Rates last updated on Sunday, May 02, 2010
Conforming Loans Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Available to purchase or refinance primary residences, second homes, and investment properties (1-4 units). Term: 30 years Maximum Amount: $417,000

VA Loans VA insured/guaranteed long-term, fixed-rate and adjustable loans. 100% financing available at very competitive rates. Upon purchasing a home, you may qualify for a reduction or exemption of your property and personal taxes. For more information, please contact John Fondrick at the Veteran's Commission Office located in the Bruce King Building in Clovis at (575) 762-6185 or www.state.nm.us/veterans. Term: 30 years

95% Financing Loans Available as one loan with monthly PMI (private mortgage insurance). Term: 30 years Maximum Amount: $417,000

First Time Homebuyer - New Mexico Mortgage Finance Authority Special program offered through New Mexico Mortgage Finance Authority www.housingnm.org/myHome/default.htm for first-time homebuyers, or those who have not owned a home in the past three years. Competitive interest rates and down payment assistance programs offered. Some income limitations. Mortgage Saver Zero offers below-market interest rate with zero points. Mortgage Saver Plus offers assistance of 3% of loan amount to help with down payment and closing costs and is offered at competitive or below-market interest rate. Term: 30 years Maximum Amount: $237,031

HERO New Mexico Mortgage Finance Authority offers the HERO program designed to serve households in which at least one member is a police officer, nurse, teacher, firefighter, an active member of the armed forces. Term: 30 years Maximum Amount: $237,031


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.