VA Home Loans for Kirtland AFB & Albuquerque

Local, independent VA loan help for Kirtland AFB service members, Albuquerque-area veterans, National Guard and Reserve members, and surviving spouses. Live rates as of 8/14/2026 from PSd Mortgage.

Your VA Benefit, Shopped Across Lenders

PSd Mortgage's office is right here in Albuquerque, minutes from Kirtland AFB. Because we're a broker, we shop several VA lenders for your loan instead of handing you one bank's rate - and VA pricing varies more than most people expect.

Call (505) 908-1057 or start your VA pre-approval online. We can also help you request your Certificate of Eligibility (COE).

Today's Other Rates

$0 down payment

Eligible buyers can finance up to 100% of the purchase price - no down payment required for most VA purchases.

No monthly mortgage insurance

Unlike FHA and low-down conventional loans, VA loans carry no monthly PMI, which lowers your payment.

Competitive rates & flexible credit

VA loans often price better than conventional and are more forgiving on credit, so more borrowers qualify.

No prepayment penalty

Pay extra or pay off early anytime with no penalty.

Reusable benefit

Your VA entitlement can be restored and used again - and in some cases you can have more than one VA loan at once.

Financeable funding fee

The one-time VA funding fee can be rolled into the loan - and is waived entirely for many disabled veterans (more below).

Buying Near Kirtland AFB & Around Albuquerque

Whether you're stationed at Kirtland, separating and staying in New Mexico, or a veteran already rooted in the metro, we know the local market and the military timeline. We'll build your pre-approval around your report date or separation so your closing lines up with your move.

Neighborhoods to know

Southeast Albuquerque, Four Hills, and Ridgecrest sit closest to base; Nob Hill, the Northeast Heights, and Rio Rancho are popular for a bit more space or a short commute.

Buy vs. BAH

With $0 down, a VA purchase can turn your housing allowance into equity instead of rent. We'll run the buy-vs-rent math for your BAH.

PCS-friendly timing

Orders move fast. We lock rates and manage underwriting around your dates so nothing stalls the move.

How Much Can You Borrow? (VA Loan Limits in 2026)

If you have your full VA entitlement, there is no VA loan limit - you can buy above the conforming limit with $0 down, as long as you qualify for the payment. That's a real advantage in higher-priced Albuquerque and Santa Fe neighborhoods.

If you have reduced entitlement (for example, you already have an active VA loan or previously had a VA foreclosure), the county loan limit applies. For 2026, Bernalillo County and every New Mexico county use the national baseline of $832,750 for a one-unit home. We'll confirm your exact entitlement and what it means for your down payment.

Who's Eligible & How to Get Your COE

VA eligibility generally covers active-duty service members, veterans, many National Guard and Reserve members, and eligible surviving spouses who meet service requirements. Your Certificate of Eligibility (COE) confirms your entitlement to the lender - and we can help you request it as part of your pre-approval.

Active duty & veterans

Meeting time-in-service requirements typically qualifies you for the full benefit.

Guard & Reserve

Many Guard and Reserve members qualify after the required service - we'll check your eligibility.

Surviving spouses

Certain surviving spouses are eligible, often with the funding fee waived.

VA Purchase

$0-down financing for your primary home near Kirtland or anywhere in New Mexico, shopped across multiple VA lenders.

VA IRRRL (Streamline)

Already have a VA loan? An Interest Rate Reduction Refinance Loan can lower your rate and payment with less paperwork and a reduced funding fee.

VA Cash-Out

Tap your home's equity for improvements, debt consolidation, or other needs - often at better terms than non-VA options.

Understanding the VA Funding Fee

The VA funding fee is a one-time charge that helps keep the program running for future veterans. It can be financed into your loan rather than paid in cash. Current fees depend on your down payment and whether it's your first use of the benefit:

• First-time use, $0 down: 2.15% of the loan amount

• Subsequent use, $0 down: 3.3% (putting 5%+ down lowers this to 1.5%)

• VA IRRRL streamline refinance: just 0.5%

• Waived entirely for veterans receiving compensation for a service-connected disability, Purple Heart recipients on active duty, and many eligible surviving spouses

Figures reflect current VA guidelines and can change; we'll confirm your exact funding fee (or exemption) on your quote.

Why Use a Broker for Your VA Loan?

Every lender prices VA loans a little differently, and the difference in rate and closing costs on the same VA loan can be significant. A single bank shows you one price. As a broker, PSd Mortgage shops several VA-approved lenders for your exact scenario so you keep more of the benefit you earned - and we handle the COE, funding-fee, and entitlement details for you start to finish.

1Pre-approval & COE

We review your income, credit, and entitlement, help request your COE, and issue a pre-approval so you can make offers with confidence.

2Shop your VA rate

We compare several VA lenders for your scenario and lock the best rate and closing-cost combination.

3Underwriting to close

We manage the VA appraisal and underwriting and coordinate closing around your PCS or move date.

Kirtland AFB & Albuquerque VA Loan FAQs

Do I really need $0 down for a VA loan?

For most VA purchases, yes - eligible borrowers can finance 100% of the price with no down payment and no monthly mortgage insurance. Putting money down is optional and can reduce your funding fee. Call (505) 908-1057 and we'll show you both ways.

Can you help Kirtland AFB families who are about to PCS?

Yes. We build pre-approvals and rate locks around your report or separation date so your closing lines up with the move. Getting pre-approved early keeps your options open when you find a home.

Is there a VA loan limit in Albuquerque?

If you have full entitlement, there's no VA loan limit - you can buy above the conforming limit with $0 down if you qualify. With reduced entitlement, Bernalillo County uses the 2026 baseline of $832,750. We'll confirm your entitlement.

How do I get my Certificate of Eligibility (COE)?

Most borrowers can get a COE quickly, and we can request it for you as part of your pre-approval using your service information. Surviving spouses and Guard/Reserve members may need a few extra documents, which we'll walk you through.

What credit score do I need for a VA loan?

The VA doesn't set a minimum score, and lenders are often more flexible on VA than conventional. Because we shop multiple VA lenders, we can match your credit profile to the lender most likely to approve you at the best rate. Call (505) 908-1057.

I already have a VA loan - can I refinance or get another one?

Often yes. A VA IRRRL can lower the rate on your current VA loan with less paperwork, and in some situations you can have a second VA loan or restore your entitlement. We'll review your entitlement and show your options.

Why use PSd Mortgage instead of a big national VA lender?

National VA lenders advertise heavily but only offer their own pricing. As a local Albuquerque broker, we shop several VA lenders for your loan and give you a real person a few minutes from Kirtland to call. You usually get better pricing and a smoother close.