Home LOGIN Residential Mortgage Loans Our fully experienced on-site lenders, can show you the many types of loans and programs available, explain your best options, answer your questions, and close your loan quickly without hassle. They can also show you how to access the equity in your current home through second mortgages and lines of credit. Our loans are available for properties located in San Juan County, NM. Citizens Bank Benefits Competitive Rates & Fees Local Origination and Underwriting Experienced and Knowledgeable Loan Originators Convenient Preapproval Program Our loans are available for properties located in San Juan County, NM Purchase Refinance Construction Loans Home Equity Lines of Credit Second Mortgages Bridge Loans Lot/Land Loans Investment Properties Need Cash? Contact us to find out how you may be able to access the equity in your existing home with a Home Equity Line of Credit or Second Mortgage. Preapproval Program Our Preapproval Program is quick and easy! Shop with confidence knowing that financing is available when you find the perfect home. Programs Conventional Loans: Minimum 3% down payment required. 10, 15, 20 & 30 year terms available. Purchase & refinance. FHA Loans: 3.5% down payment required. 15 & 30 year terms available. Purchase & refinance. VA Loans: 100% financing for qualifying Veterans. 15 & 30 year terms available. Purchase & refinance. USDA Rural Housing Loans: 100% financing for Purchase transactions on qualifying properties. *Income guidleines apply. First-Time Home Buyer and Down Payment Assistance Programs: Purchase transactions. *Income guidelines apply. For personal assistance You can call or e-mail one of our mortgage professionals to apply for a mortgage loan, answer any of your questions or to ask for advice. Please email us at mortgage@cbnm.com or call us at 505 599 0137. Mortgage Loans are available at Citizens Bank! Easy application process Competitive rates and terms Quick response by experienced staff If you would like to apply for a Mortgage Loan, click the button below. APPLY NOW If you have already applied for a Mortgage Loan and need to upload documents or check the status of your application, please log into the Borrower's Portal by clicking below. BORROWER'S PORTAL If you have any questions, please email us at mortgage@cbnm.com or call us directly, at (505) 599-0137. Home Legal Terms & Agreements Branch & ATM Locations Disclosures Contact Us Privacy ©2021 Citizens Bank Routing #102202078 Citizens Bank on Facebook Citizens Bank on Twitter Citizens Bank on Instagram NMLS 417125