Home Mortgage Lenders Clovis NM

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Clovis and information on home mortgage rates, home loans, and mortgage calculators.

The Bank Of Clovis
(505) 769-9000
300 Main Street
Clovis, NM
 
American Home Mortgage Corp
(505) 742-3734
1654 Us 60 84
Clovis, NM
 
Landmark Title Inc
(505) 763-3904
117 East 4th Street
Clovis, NM
 
Accessbank - Mortgage Loans
(505) 769-2286
801 Pile Street
CLOVIS, NM
Services
Mortgage Brokers

The James Polk Stone National Bank
(575) 742-1000
901 Colonial Pkwy
Clovis, NM
 
Accessbank
(505) 762-4417
801 Pile Street
Clovis, NM
 
Wells Fargo - Clovis
(575) 763-5759
223 N Main St
Clovis, NM
Type
Branch
Office Hours
Mon-Fri 09:00 AM-05:00 PM
Sat 09:00 AM-01:00 PM
Sun Closed

Curry County Abstract And Title Co
(505) 762-4787
520 Mitchell Street
Clovis, NM
 
Wells Fargo Home Mortgage
(505) 763-3527
223 North Main Street
CLOVIS, NM
Services
Mortgage Brokers

Citifinancial
(505) 769-8342
2200 North Main Street Suite 1A
CLOVIS, NM
Services
Mortgage Brokers

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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New Mexico Mortgage Licensing Body

Website: www.rld.state.nm.us

Phone: (505) 476-4885

State: New Mexico

Licensed By: Regulations and Licensing Dept. Division of Finance

Additional Info: Regulations and Licensing Dept. Division of Finance - (505) 476-4885 http://www.rld.state.nm.us/ (NM is licensed through the NMLS)