One of our favorite things to do is help members buy a home. We have a wide variety of options available and we would love to help find the right fit for you and your family.
Not sure where to begin? You will find lots of great information and advice in our Home Buyer Center. Or come see one of our mortgage loan officers to make a plan for your situation!

Conventional 30-year fixed, FHA and VA Mortgages

Purchasing a new home, or looking to refinance at a better rate? Get your personal rate quote and apply online now via the secondary mortgage market!
Wide range of terms available
Low closing costs

Please note, if you are interested in applying for a mortgage loan directly through GCU or wish to apply for a Mobile Home on Permanent Foundation or a Vacant Land loan Download Application Here. These loan options are not available via the secondary mortgage market.

Refinance and save

Ready to get out of debt? Our shorter-term mortgages are perfect to help you pay off your loan years sooner and save thousands in interest. Download Application Here.
Held locally, never sold
Terms that fit your budget

Mobile homes on permanent foundation

We offer mortgage financing for mobile homes on a permanent foundation. Don’t settle for dealer financing! Download Application Here.
Better rates and lower payments than typical mobile home financing
Great for building credit

land Vacant Land

Purchase or refinance your land with a loan from Guadalupe Credit Union. Property must be located in Santa Fe, San Miguel, Rio Arriba, Bernalillo, Sandoval, Torrance or Taos counties. Download Application Here.
Up to 75% financing available.
Competitive rates and terms
Work with someone you know—your loan stays right here.

Home Equity Line of Credit

A HELOC is an ideal way to use the equity in your home to pay for ongoing expenses such as education, home improvement or medical expenses. Once your loan closes, you can access your funds for 5 years without having to reapply. Download Application Here.

Minimum credit line is $5,000; maximum is $100,000
Minimum draw is $500
Home must be located in Santa Fe, San Miguel, Rio Arriba, Bernalillo, Sandoval, Torrance and Taos counties.
Interest-only payments during draw period. After draw period, you can pay off your loan, set up payments amortized over 10 years, refinance, or apply for a new HELOC.