Today's Albuquerque Mortgage Rates
Mortgage rates as of 11/5/2025 from PSD, Ltd.
Mortgage rates as of 11/5/2025 from PSD, Ltd.
Vancellen Sturgeon NMLS ID 183922
Because PSD, Ltd. is a mortgage broker, we can shop several lenders for your Albuquerque purchase or refinance. That means more loan choices, faster approvals, and better pricing on FHA, VA, conventional, and jumbo mortgages.
Call us at (505) 908-1057 to get today's Albuquerque mortgage rates and closing cost options.
Mortgage rates in Albuquerque change with the market so working with a local broker that monitors pricing every day is important. PSD, Ltd. shops your loan with multiple lenders to help you lock the best rate and closing cost combination for your scenario.
Whether you are buying in Albuquerque for the first time or moving up, we can structure fixed-rate, ARM, or government-backed loans and walk you through underwriting from start to finish.
Refinancing in Albuquerque can lower your monthly payment, shorten your term, or let you tap equity for improvements to your Santa Fe style home. PSD, Ltd. will compare lender refi options and show you which one provides the best savings.
Because PSD, Ltd. is a mortgage broker, we match your loan with the lender offering the best rate and term for your credit, property type, and equity position. You are not limited to one bank's pricing.
The most popular option in Albuquerque for long-term payment stability and easier qualifying.
Pay the home off faster and save on interest. Great for buyers with strong income.
Lower down payment and flexible guidelines for first-time or returning buyers.
For eligible veterans and service members in New Mexico — often with no down payment.
Not every borrower in Albuquerque sees the same rate. PSD, Ltd. reviews your credit, equity, property type and purpose, then pulls pricing from several lenders to find the one that fits you best.
Higher credit scores and stable income can qualify for lower rates.
More equity or a bigger down payment usually reduces risk to the lender.
Primary homes often price better than second homes or investments.
FHA loans help buyers with smaller down payments. VA loans are available to eligible veterans and service members. PSD, Ltd. offers both in Albuquerque and can tell you which program works best for the property you are buying.
Entry and mid-level resale homes were commonly closing between $325,000 and $410,000 in fall 2025. Foothills, North Valley, and Sandia Heights properties were higher. Townhomes and infill units under $300,000 were still present, giving buyers more 3 percent down and FHA options.
Active areas included Nob Hill, North Albuquerque Acres, Ventana Ranch, and the Westside growth corridors. A high share of closings in the Albuquerque market had been all-cash in the prior year, so financed buyers benefit from having rate, points, and MI set up correctly to compete with faster closings.
As of early November 2025, New Mexico 30 year fixed purchase quotes were being published around 5.99% to 6.35%, with 15 year fixed loans in roughly the 5.5% to 5.8% band. Local credit unions were posting 30 year fixed near 5.99% with a 1.00% origination. Most Albuquerque purchases at or below $400,000 fit standard conforming pricing, which helps keep monthly payments predictable.
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, Ltd. provides rate shopping and mortgage options throughout New Mexico and Colorado. Below are six of the primary markets we serve, but we're not limited to these locations:
• Albuquerque • Las Cruces • Rio Rancho • Santa Fe • Roswell • Farmington