Residential Mortgage Loans

Our fully experienced on-site lenders, can show you the many types of loans and programs available, explain your best options, answer your questions, and close your loan quickly without hassle. They can also show you how to access the equity in your current home through second mortgages and lines of credit.

Citizens Bank Benefits

  • Competitive Rates & Fees
  • Local Origination and Underwriting
  • Experienced and Knowledgeable Loan Originators
  • Convenient Preapproval Program

Our loans are available for properties located in San Juan County, NM

  • Purchase
  • Refinance
  • Construction Loans
  • Home Equity Lines of Credit
  • Second Mortgages
  • Bridge Loans
  • Lot/Land Loans
  • Investment Properties

Need Cash?

Contact us to find out how you may be able to access the equity in your existing home with a Home Equity Line of Credit or Second Mortgage.

Preapproval Program

Our Preapproval Program is qucik and easy! Shop with confidence knowing that financing is available when you find the perfect home.


  • Conventional Loans: Minimum 3% down payment required. 10, 15, 20 & 30 year terms available. Purchase & refinance.
  • FHA Loans: 3.5% down payment required. 15 & 30 year terms available. Purchase & refinance.
  • VA Loans: 100% financing for qualifying Veterans. 15 & 30 year terms available. Purchase & refinance.
  • USDA Rural Housing Loans: 100% financing for Purchase transactions on qualifying properties. *Income guidleines apply.
  • First-Time Home Buyer and Down Payment Assistance Programs: Purchase transactions. *Income guidelines apply.

For personal assistance

You can call or e-mail one of our mortgage professionals to apply for a mortgage loan, answer any of your questions or to ask for advice. Please email us at or call us at 505 599 0137.