Today's New Mexico Mortgage Rates in the HSH Lender Showcase

Buying a home or refinancing in Santa Fe, Albuquerque, or elsewhere in the Land of Enchantment? Research New Mexico mortgage rates on HSH.com and contact a qualified lender to find the loan program that meets your needs.

For some borrowers, the priority is to keep down payment and closing costs as low as possible, while for others, a low monthly payment is the priority. By comparing current NM mortgage rates and using the mortgage calculator at this site, consumers can get a good estimate of their potential housing costs. NM mortgage rates vary on a daily basis, so keep checking rates regularly to find the best interest rates.

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2025 Conforming loan limits for New Mexico

County Name	One Family	Two Family	Three Family	Four Family

Bernalillo County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Catron County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Chaves County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cibola County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Colfax County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Curry County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
De Baca County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Dona Ana County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Eddy County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Grant County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Guadalupe County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Harding County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Hidalgo County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lea County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lincoln County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Los Alamos County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Luna County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mckinley County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mora County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Otero County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Quay County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Rio Arriba County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Roosevelt County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
San Juan County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
San Miguel County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sandoval County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Santa Fe County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sierra County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Socorro County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Taos County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Torrance County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Union County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Valencia County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250

Today's New Mexico Mortgage Rates in the HSH Lender Showcase

New Mexico Mortgages

2025 Conforming loan limits for New Mexico

Mortgage Rates by State

Mortgage rates by loan term and type