Los Lunas Mortgage Broker & Today's Rates
Local brokering for Los Lunas, ABQ commuters, and all of Valencia County. Live rates as of 8/14/2026 from PSd Mortgage
Local brokering for Los Lunas, ABQ commuters, and all of Valencia County. Live rates as of 8/14/2026 from PSd Mortgage
Vancellen Sturgeon · NMLS ID 183922
Los Lunas has become a magnet for buyers who want newer homes and an easy Albuquerque commute. PSd Mortgage shops multiple lenders for Valencia County purchases and refinances, helping first-time and move-up buyers compare FHA, VA, and conventional pricing on both new construction and resale homes.
Call (505) 908-1057 for today's Los Lunas rates, or start your pre-approval online.
Mortgage rates in Los Lunas change with the market every day, so working with a local broker who monitors pricing daily matters. PSd Mortgage shops several lenders for Valencia County buyers to help you lock the best rate and closing-cost combination for your scenario. Use our affordability calculator and monthly payment calculator to plan, then call us for a same-day quote.
Los Lunas median listing prices were running around $355,000 to $357,000, while recent sold pricing was closer to $300,000. Many financed purchases land between $290,000 and $360,000, while newer or better-positioned homes can move above that range.
Buyers in Los Lunas are often looking for more space and value than they can find in Albuquerque while keeping a workable commute. The market includes first-time buyers, move-up buyers, and households wanting newer homes in growing parts of Valencia County.
Recent New Mexico 30-year fixed rates were around 6.67% APR. At current Los Lunas price levels, most purchases should remain within conforming loan limits, so the main decision is usually how to balance rate, closing costs, and mortgage insurance.
Los Lunas is where a lot of Albuquerque-area buyers go for newer homes, bigger lots, and more house per dollar. If you're buying new construction, the builder's preferred lender is only one option.
As a broker, PSd Mortgage compares several lenders against the builder's offer so you can see whether the incentive really beats a lower outside rate - and we handle extended rate locks for homes still being built.
The most popular option in Los Lunas for long-term payment stability and easier qualifying.
Pay the home off faster and save on interest - great for strong-income buyers.
Lower down payment and flexible guidelines for first-time or returning buyers.
For eligible veterans and service members - often with no down payment.
Buying your first home in Los Lunas? Beyond FHA and VA, you may qualify for low-down-payment conventional loans, USDA loans on eligible properties in rural areas near Los Lunas, and New Mexico down payment assistance through MFA Housing New Mexico, the state housing authority. PSd Mortgage can check which Los Lunas first-time buyer and down-payment-assistance options fit your situation and pair them with a competitive rate.
As little as 3–3.5% down for qualified Los Lunas buyers.
Zero-down financing for eligible homes in rural areas near Los Lunas.
State programs may help cover down payment and closing costs for eligible buyers.
Refinancing in Los Lunas can lower your monthly payment, shorten your term, or let you tap equity for improvements. Because PSd Mortgage is a broker, we compare lender refi options and show you which one delivers the best savings for your credit, property type, and equity position. Try our refinance calculator to estimate your break-even.
1Pre-approval
We review your credit, income, and assets and issue a pre-approval so you can make offers with confidence.
2Rate shopping
We pull pricing from several lenders for your exact scenario and lock the best rate/closing-cost combination.
3Underwriting to close
We manage the file through underwriting and coordinate closing so your Los Lunas purchase or refi closes on time.
PSd Mortgage serves buyers and homeowners across Valencia County, including Los Lunas and the surrounding communities. Because conforming and FHA loan limits, property values, and program eligibility can vary by county, we tailor your Los Lunas quote to Valencia County guidelines across conventional, FHA, VA, and jumbo loans.
Rates change daily with the market. The current 30-, 20-, 15-year fixed, and FHA rates are shown at the top of this page and updated each business day. For a same-day quote, call PSd Mortgage at (505) 908-1057.
Not without comparing. Builder incentives can be real, but the builder's lender only offers its own pricing. As a broker we shop several lenders against the builder's offer so you can see whether the incentive beats a lower outside rate. Call (505) 908-1057.
A bank can only offer its own loans. As a broker, PSd Mortgage shops several lenders at once for your Los Lunas loan, which usually means more program choices and better pricing on FHA, VA, and conventional mortgages.
For 2026, all New Mexico counties including Valencia County use the national baseline conforming limit of $832,750 for a one-unit home. Call (505) 908-1057 for the current FHA figure for Los Lunas.
Absolutely. We'll walk you through pre-approval, explain FHA and low-down-payment conventional options, and shop lenders so you start with a competitive rate. Call (505) 908-1057.
Albuquerque mortgage rates • Rio Rancho mortgage rates • See all areas we serve
Overall, Van has been amazing to work with! She made my first time home buying experience an excellent one! She walked with me though the process, and was always quick to respond. At the end of the day, she coordinated with different lenders, and got me an amazing rate. I could not have picked a better partner to work with! Van has been a huge blessing from the Lord!
Van from PSd Mortgage is amazing to work with. Her persistence with the lender and realtor team enabled us to close early. We highly recommend Van and PSd Mortgage.
Van is INCREDIBLE! She is on top of her game and will always go ABOVE & beyond for her clients. I had a house deal fall apart 4 days before closing, she was the only one in my corner fighting for me. I came out the other side and I was able to close on a new property quickly with her help!! I am now a customer for life - Thank you Van!!!
Van with PSd Mortgage was absolutely incredible. We had a very quick closing date and Van was exceptional in getting items/documents in place and coordinating with all of the parties involved. I would highly recommend!
Vancellen made us feel like we were family. What a great help she was for all of our needs. Would recommend her to anyone who needs a fantastic mortgage broker. She is a very caring person.
Great experience with Vancellen, she helped find great mortgage rates on both of our home purchases in Jemez Springs and Los Alamos area. She was always very quick to respond to questions and provided honest insight. I would highly recommend PSd Mortgage. Kyle F
Van Sturgeon is a miracle worker! She guided me through every step of the mortgage process, and was ALWAYS available whether by email, text or phone. She knew exactly what was needed, was extremely patient, and found an excellent loan at excellent rates for my new home purchase! The contract almost fell through 5 days before closing because of the appraisal valuation, but Van was steadfast about what needed to be done to make it work. I closed on my beautiful home yesterday, and it went without a hitch. Thank you so much, Van! You made all my dreams come true. I highly recommend Van Sturgeon to anyone seeking a home loan.
Working with Van made refinancing very easy. I had a lot of questions that were answered honestly. I wish more lenders had these ethics. I chose PSD after shopping many other lenders, and it was a great choice. I highly recommend Van and her company and will return for future needs.
We have used Van in a few times and I wouldn't go with anyone else for our brokerage needs. She is quick to respond, attentive and always looking out for the best interests of her clients.
Van is very dedicated and is always up to date with the industry, thus being able to provide the best all around service to her clients. She is passionate about providing a great experience and making sure that no matter what the situation, her borrowers are always best position possible. Dedicated, Passionate and Consistently closing loans in under 20 days, Van, Rick and the team at PSd. are not only great at mortgages, they are truly great people and I am very proud and honored, to be able to work with the Team at PSd.!
My family and I highly recommend Vancellen Sturgeon. She was extremely responsive at all hours of the day or evening. Her ability to work quickly and get title to close our loan in record time was impressive and we are extremely grateful. Vancellen Sturgeon has also closed loans for two of my other family members and has earned our future business.
PSd Mortgage provides rate shopping and mortgage options throughout New Mexico and Colorado. Below are the primary markets we serve, but we're not limited to these locations:
• Alamogordo • Albuquerque • Carlsbad • Clovis • Farmington • Hobbs • Las Cruces • Los Lunas • Rio Rancho • Roswell • Santa Fe • Sunland Park