Today's Roswell 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 Roswell 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 Roswell mortgage rates and closing cost options.
Mortgage rates in Roswell 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 Roswell 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 Roswell 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 Roswell 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 Roswell 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 Roswell and can tell you which program works best for the property you are buying.
Zillow was showing an overall Roswell value near $169,000, but Realtor had a median list at about $265,000, Redfin showed recent sales near $244,000, and 88201 was listing near $300,000 in Sept. 2025. So most financed purchases will fall in the $240,000 to $310,000 band, not the sub $200,000 number. :contentReference[oaicite:1]{index=1}
Buyers were active in the Downtown Historic District, North Garden Ave, West Roswell, and 88201 corridors where median ranges were $212,000 to $300,000. Those spots appeal to local employment, Walker AFB legacy households, and in-town buyers wanting shorter commutes. This is a very different mix than Santa Fe's $600,000+ view lots. :contentReference[oaicite:2]{index=2}
On Nov. 5, 2025, New Mexico 30 year fixed rates being published were mainly in the 6.24% to 6.38% range, with 15 year fixed around 5.6% to 5.8%. A statewide CU was posting 30 year fixed at 5.99% with a 1% origination fee. At Roswell price levels, almost every purchase stays conforming, so the important choice is rate vs. fee, not jumbo vs. conforming. :contentReference[oaicite:3]{index=3}
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