Mortgage Rates in New Mexico15-Year Fixed mortgage rates in New Mexico are at 5.875% with 0.000% point(s), 20 Year Fixed mortgage rates in New Mexico are at 5.625% with 0.000% point(s), 10-Year Fixed mortgage rates today with 0.750% point(s) in New Mexico are at 4.250%. New Mexico Mortgage Rates:Search and compare mortgage rates and refinance rates in New Mexico. Our rate table has a list of New Mexico mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. Compare mortgage and refinance rates in New Mexico. Save money by using our free tool to find customized mortgage and refinance rates for New Mexico (NM). Use our mortgage calculator to check how much monthly payments will be on your home loan. When you start your search for current mortgage rates in New Mexico you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Mortgage rates on adjustable loans include 5/6 ARM with 0.000% point(s) in New Mexico at 6.000%, New Mexico 3/1 ARM mortgage rates are at 6.000% with 0.000% point(s), Mortgage rates on adjustable loans include 7-Year ARM with 0.000% point(s) in New Mexico at 5.375%. Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.40%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.40%
5/6 ARM Conforming
6.07%
5/6 ARM Jumbo
6.69%
Types of rates available in New Mexico include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in New Mexico listed below. Mortgage Rates in New Mexico November 9, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. New Mexico Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in New Mexico? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. New Mexico Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in New Mexico? You can list your company, contact information, website an logo here. Contact us to find out how. New Mexico Conforming Mortgage RatesConforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of New Mexico. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities. New Mexico mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell New Mexico mortgage loans that have been made. As a result, New Mexico mortgage rates today are lower than jumbo interest rates in $regionName. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years. New Mexico Super Conforming Home Loan RatesSuper conforming mortgages in New Mexico are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities. New Mexico Jumbo Loan Interest RatesNew Mexico jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in New Mexico are usually 0.75 basis points higher than conforming mortgage rates in New Mexico because there is no guarantee banks and credit unions can sell these mortgages after they make the loans. New Mexico Fixed Rate MortgagesFixed rate mortgages are the most common mortgage available in New Mexico. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees. New Mexico Adjustable Interest RatesNew Mexico adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years. New Mexico Interest Only Home Mortgage RatesNew Mexico interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom. New Mexico FHA Mortgage Mortgage RatesBorrowers in New Mexico must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in New Mexico are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan. Cities in New MexicoAbiquiuAlamogordoAlbuquerqueAlcaldeAlgodonesAltoAmaliaAmistadAngel FireAnimasAnthonyAnton ChicoAragonArenas ValleyArreyArroyo HondoArroyo SecoArtesiaAztecBardBayardBelenBell RanchBentBerinoBernalilloBlancoBloomfieldBluewaterBoles AcresBosqueBosque FarmsBrimhallBroadviewBuckhornBuena VistaCaballoCanjilonCannon AFBCanonesCapitanCaprockCapulinCarlsbadCarrizozoCarsonCasa BlancaCauseyCebollaCedar CrestCedarvaleCerrillosCerroChaconChamaChamberinoChamisalChaparralChimayoChurch RockCimarronClaunchClaytonClevelandCliffClines CornersCloudcroftClovisCochiti LakeCochiti PuebloColumbusConchas DamContinental DivideCordovaCoronaCorralesCostillaCounselorCoyoteCrossroadsCrownpointCubaCuberoCuervoDatilDemingDerryDes MoinesDexterDixonDona AnaDoraDulceEagle NestEdgewoodEl PasoEl PradoEl RitoElephant ButteElidaEmbudoEncinoEspanolaEstanciaEuniceFairacresFarmingtonFaywoodFence LakeFlora VistaFloydFolsomFort BayardFort StantonFort SumnerFort WingateFruitlandGallinaGallupGamercoGarfieldGaritaGilaGladstoneGlencoeGlenwoodGlorietaGradyGrantsGrenvilleGuadalupitaHachitaHagermanHanoverHatchHernandezHigh Rolls Mountain ParkHillsboroHobbsHolloman Air Force BaseHolmanHondoHopeHouseHurleyIlfeldIsletaJalJamestownJaralesJemez PuebloJemez SpringsKennaKirtlandKirtland AFBLa JaraLa JoyaLa LomaLa LuzLa MaderaLa MesaLa PlataLagunaLake ArthurLakewoodLamyLas CrucesLas VegasLemitarLincolnLindrithLingoLlanoLoco HillsLoganLordsburgLos AlamosLos LunasLos OjosLovingLovingtonLunaMagdalenaMalagaMaljamarMaxwellMayhillMcAlisterMcDonaldMcIntoshMedanalesMelroseMentmoreMescaleroMesillaMesilla ParkMesquiteMexican SpringsMiamiMilanMillsMilnesandMimbresMontezumaMonticelloMonumentMoraMoriartyMosqueroMount DoraMountainairMule CreekNageeziNara VisaNavajoNavajo DamNew LagunaNewcombNewkirkNogalOcateOjo CalienteOjo FelizOrganOrograndePaguatePecosPena BlancaPenascoPepPeraltaPetacaPicachoPie TownPinehillPinonPinos AltosPlacitasPlayasPolvaderaPonderosaPortalesPrewittPueblo Of AcomaQuayQuemadoQuestaRadium SpringsRainsvilleRamahRanchos De TaosRatonRed RiverRedrockReginaRehobothReserveRiberaRinconRio RanchoRociadaRodeoRogersRoswellRoweRoyRuidosoRuidoso DownsSacramentoSaint VrainSalemSan AcaciaSan AntonioSan CristobalSan FidelSan JonSan JoseSan Juan PuebloSan MiguelSan PatricioSan RafaelSan YsidroSandia ParkSanosteeSanta ClaraSanta CruzSanta FeSanta RosaSanta TeresaSanto Domingo PuebloSapelloSedanSenecaSerafinaSheep SpringsShiprockSilver CitySmith LakeSocorroSolanoSpringerStanleySunland ParkSunspotTaibanTajiqueTaosTaos Ski ValleyTatumTererroTesuqueTexicoThoreauTierra AmarillaTijerasTimberonTinnieTohatchiTomeTorreonTrampasTrementinaTres PiedrasTruchasTruth Or ConsequencesTucumcariTularosaTyroneUte ParkVaditoVadoValdezVallecitosValmoraVanderwagenVaughnVeguitaVelardeVillanuevaWagon MoundWaterflowWatrousWeedWhite Sands Missile RangeWhites CityWillardWilliamsburgWinstonYataheyYesoYoungsvilleZuniOther Mortgage Rate Deals
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