Home Mortgage Lenders Espanola 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 Espanola and information on home mortgage rates, home loans, and mortgage calculators.

Los Alamos National Bank
(505) 662-5171
1200 Trinity Drive
Los Alamos, NM
 
Wells Fargo - Espanola
(505) 753-2308
645 N Riverside Dr
Espanola, NM
Type
Branch
Office Hours
Mon-Fri 08:00 AM-06:00 PM
Sat 09:00 AM-04:00 PM
Sun Closed

Bank of America - Rio Arriba Main
(505) 367-1780
1123 Riverside Drive North
Espanola, NM
Type
Banking Center
Services
Banking Center Services: Change Order, Commercial Deposits, Night Deposits, Drive Up
Indoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-4
Friday 9-6
Saturday Closed
Sunday Closed
Drive Up Hours
Monday 9-6
Tuesday 9-6
Wednesday 9-6
Thursday 9-6
Friday 9-6
Saturday Closed
Sunday Closed

Valley National Bank
(505) 753-2136
322 North Riverside Drive
ESPANOLA, NM
Services
Mortgage Brokers

Ziegler Insurance Agency
(505) 753-9597
1003 East Fairview Lane
ESPANOLA, NM
Services
Mortgage Brokers

Citifinancial
(505) 753-2371
Espanola, NM
 
Wells Fargo Financial
(505) 753-2171
1227 N Railroad Ave Ste C-5
ESPANOLA, NM
Services
Mortgage Brokers

Del Norte Credit Union
(505) 753-5228
1216 Paseo De Onate
ESPANOLA, NM
Services
Mortgage Brokers

Bank Of America
(505) 753-2155
1124 N Riverside Dr
ESPANOLA, NM
Services
Mortgage Brokers

Espanola Abstract Co Inc
(505) 753-2248
224 Los Alamos Highway
Espanola, NM
 

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)