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Home Buying 

Find out how interest rates are determined or whether or not to pay a point.

Go to Home Buying FAQs

Home Financing

At Los Alamos National Bank, you can expect to receive a wide variety of home loan options to suit your needs. You will experience a simple application process with rapid local approvals. In addition, LANB offers low fees, competitive rates and service for the life of the loan.

Ready to Apply?

1. Fill out the online application  
2. We will send email confirmation by the end of the next business day
3.  You will receive paperwork in the mail. Fill out, sign and bring into any of our office locations.
» Apply for a Home Loan now



Benefits of an LANB Loan:

  • Loan serviced locally: This means we handle your payments, taxes and insurance.
  • Call us directly: If you have questions about your payments, you can call and talk directly with your loan officer who knows your personal situation rather than calling an automated phone system.
  • Local Approval: your loan will be approved by local people who are familiar with the local market.

Mortgage Loan Options:

  • Finance the purchase of a new home
  • Refinance a current mortgage loan
  • Finance a primary residence, second home or investment property

Mortgage Products

  • Affordable home loan products
  • Through Homewise, 100% financing with no PMI
  • Interest first
  • First-time home buyer
  • Jumbo

Interest Rates

30 Year Fixed Mtg
4.895% IR : 5.058% APR

20 Year Fixed Mtg
4.615% IR : 4.833% APR

15 Year Fixed Mtg
4.175% IR : 4.447% APR

View Rates


IR : Interest Rate
APR: Annual Percentage Rate
APY : Annual Percentage Yeild

Refinancing

Should I refinance now?

Our refiance center gives helpful tips and tools to help you with your refinance decision.

Loan Center