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Fixed Rate Mortgages

Find the Perfect Mortgage Fit with our Fixed Rate Options


At Guadalupe Credit Union, we understand that every homeowner's journey is unique. That's why we offer tailored mortgage solutions to fit your individual needs. Our Fixed Rate Mortgage options, available in 10-year and 30-year terms, provide stability and predictability for your financial planning. Whether you're buying a new home or refinancing, we're here to guide you to the right choice.

10-Year Fixed Rate Mortgage: Quick and Steady

  • Get Settled Faster: With a shorter term, you can pay off your home loan quickly, freeing up resources for other life goals.
  • Fixed Payments: Enjoy the certainty of a fixed monthly payment of principal and interest, unaffected by market fluctuations.
  • Extra Benefits: Use the capital saved for home improvements or other investments, with no prepayment penalty.
  • Eligibility: Available for properties in Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora, or Colfax counties.
  • Learn More: Apply Online | Email Us | Call 505-216-0518

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30-Year Fixed Mortgages: Long-Term Stability

  • Extended Comfort: Spread your mortgage payments over a longer period for manageable monthly installments.
  • Diverse Options: Choose from conventional loans, FHA, VA, USDA loans, and more, tailored to your needs.
  • Invest in Your Future: Ideal for purchasing a new home or refinancing at a better rate.
  • Inclusive Eligibility: Open to properties in the same nine counties as our 10-year option.
  • Get Started: Apply Online | Email Us | Call 505-216-0518

Choosing the Right Mortgage for You Deciding between a 10-year and a 30-year fixed mortgage depends on your financial goals and circumstances. Our expert team at GCU is here to help you understand the differences and make an informed choice.

  • 10-Year Mortgage: Best for those looking to pay off their mortgage quickly and who can manage higher monthly payments.
  • 30-Year Mortgage: Ideal for individuals seeking lower monthly payments and longer-term financial planning.

GCU: Empowering Your Financial Journey As a community-focused credit union, we are dedicated to empowering you with financial knowledge and options. Visit us or contact our loan officers for personalized advice and support.

Apply Today: Ready to take the next step in your homeownership journey? Start your application or contact us for more information.


* Subject to member eligibility and credit approval. Lending restrictions apply, see a loan officer for details. Property must be located in Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora, or Colfax counties. GCU is an equal opportunity lender. If you have any questions, please email us or call us at 505-216-0518. NMLS # 709308.


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Guadalupe Credit Union
3601 Mimbres Lane
Santa Fe, New Mexico 87507
Routing Number: 307084347
Federally Insured by NCUA
Equal Housing Opportunity
NMLS # 709308
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