Mortgages

Mortgage

Mortgage loans from White Sands FCU bring your dream of owning your own home within reach. That is why we have partnered with SWBC Mortgage to provide our members with a variety of mortgage solutions. Whether you’re purchasing or refinancing a home, we are committed to making the home financing process easy and hassle-free.

We have simplified the application process to streamline buying a home. You can upload required documents and connect with your financial institution without the tedious task of collecting, faxing, and printing files. You can rest assured knowing that your documents are secure. Get started today.

Gather These Documents to Apply for a Mortgage

Anything Loans

An Anything Loan lets you tap into the value of your home to secure a lump sum of money for major expenses. Using your home’s equity as collateral, this loan offers a fixed interest rate and predictable monthly payments, making it ideal for large projects like:

• Solar panels

• Home improvements

• Vacations and trips

• Debt consolidation

• College or private school tuition

• Weddings

FHA Loans

FHA loans are great options for first-time homebuyers, those without large down payments, and those using gifts for down payments and closing costs. White Sands FCU has joined forces with SWBC Mortgage to provide these loans at very attractive rates and terms to our members.

FHA Loan Highlights

• 3.5% down payment

• Gift funds or assistance allowed

• Up to 6% seller concessions

• Co-applicants may help you qualify, even if they will not be living in the home

VA Mortgage Loans

We’re proud to offer the VA mortgage loan program to eligible veterans, active-duty military personnel, reservists, and eligible family members. VA mortgage loans provide flexible fixed-rate loan options. White Sands FCU has joined forces with SWBC Mortgage to provide these loans at very attractive rates and terms to our members.

VA Loan Highlights

• Finance up to 100% of the home's value with no monthly Mortgage Insurance

• 4% seller concession allowed (i.e., VA funding fee, taxes and insurance, gifts, etc.)

• No limit on seller contributions toward closing cost

• Flexible credit and underwriting guidelines

Refinance

Refinancing your mortgage can help reduce your monthly payments. We can help you decide if refinancing is right for you.

Are you ready to get started?

Mortgage Rates

*APR is annual percentage rate. Some restrictions apply. Loyalty Plus discount and all discounts does not apply to credit cards, Mortgages or HELOC.