We are delighted to announce the close of our merger with Enterprise Financial Services Corp.

We look forward to continuing to provide you with the same best-in-class service you have come to know and love from LANB.

Watch for more details, coming soon.

close up of welcome mat with open door to home

Home Loans

A better way to your achieve dream home

We are a full-service mortgage lender with an experienced staff to help you every step of the way, whether you are purchasing, refinancing, or building your dream home.

Competitive rates

Our low home loan rates put more money back in your pocket!

Mortgage loan officers

Our loan officers simplify the process for you — a dream loan for your dream home!

Free consultation

Have questions? Contact us to chat through options and ideas for your home goals.

close up of smiling man in blue green shirt

I recently worked with LANB on a mortgage. As a first-time home owner, I found LANB to not only be thorough, but also extremely patient with me throughout the process from application to closing. Other banks that I contacted could not accommodate my accelerated timeline. LANB staff generated paperwork on the day I called so that I could secure my spot in the competitive Los Alamos market.

— Alina C., Customer

Finance a new home

We offer a wide variety of home loan options, including government, conventional and jumbo products. We’ll help you discover which is right for you and help you through the simple application process.

Adobe building with blue sky behind it.

Refinance an existing home

Looking for a more affordable monthly payment, a shorter loan term or to capitalize on the equity of your property? Consider refinancing your home to find a mortgage loan that meets your current needs.

Keys and lock the door on the background of solar garden

Finance a second home or investment property

Interested in building your real estate portfolio? We offer financing for second homes and investment properties. We’re here to support your real estate goals.

A model house with coins stacked in front with a house blurred out in background

Secure your land

Your dream home starts with your dream location. With a lot loan, you can purchase the land you need to begin your journey.

Learn about our lot loans

Build a home from the ground up

Ready to make your dream a reality? With a construction loan, we’ll help you secure the financing you need to get started.

Learn about our construction loans

Meet our mortgage loan officers

LANB Los Alamos Loan Officer Claudia Reidys

Claudia Reidys

Lending experience: 11 years
Fun Fact: Attended the Summer Olympics in Beijing in 2008.
Hobbies: Traveling domestically and abroad. Favorite destinations in the U.S. are the national parks of the Southwest and historic sites in and around Washington DC.

Email Claudia

LANB Santa Fe Loan Officer Spencer Terrell

Spencer Terrell

Lending experience: 18 years
Fun Fact: Hiked six 14’ers and looking forward to more!
Hobbies: Homebrewing and gardening.
Favorite basketball team: UNC Tarheels, his alma mater.

Email Spencer

LANB Santa Fe Loan Officer Christine Munoz

Christine Munoz

Lending Experience: 15 years
My Beliefs: I have a strong work ethic and believe teamwork means coming together is the beginning, keeping together is progress, and working together is success.
Hobbies: My passion for horses led into competitive barrel racing about 10 years ago and I am an active member of the NMBRA.

Email Christine

Your mortgage checklist

The following information is usually required during the loan process—having it ready will make your application easier!

  • Your Social Security Number
  • Current pay stubs or, if self-employed, your tax returns for the past two years
  • Bank statements for the past two months
  • Investment account statements for the past two months
  • Life insurance policy
  • Retirement account statements for the past two months
  • Make and model of vehicles you own and their resale value
  • Credit card account information
  • Auto loan account information
  • Personal loan account information

If you currently own real estate, we’ll need:

  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)

Federal Housing Administration (FHA) mortgages are popular with buyers who want to purchase a home with a small down payment. The requirements for borrowers are also lower than other types of mortgages. These loans require mortgage insurance for the entire term of the loan.

Conventional mortgages are good for buyers with strong credit scores and the funds available for a larger down payment. Mortgage insurance can be removed, if required at the beginning. Conventional mortgages are often seen as stronger offers to the seller, as well.

Veteran Administration (VA) loans allow qualified veterans to finance 100% of the home’s appraised value, which means no down payment is required.

We are happy to discuss your options in more detail—give us a call at (505) 662-5171.

It depends. Most mortgages are fixed rate, which means the interest rate will never change. There is also an adjustable rate mortgage (or ARM) in which the interest rate can change. This option is good for buyers who predict interest rates will decrease during the life of the loan.

The amount of money you’ll need to buy a home varies based on what type of mortgage loan you choose, your real estate market, your credit score, and many other factors.

Get started

Have a question
Start the loan application process online
Give us a call


NMLS #546116

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Credit products are not FDIC insured.

For our online application, children under the age of 13 should not visit our website without a parent present.

You are now about to leave the Los Alamos National Bank website.

Cancel Accept