Loans to fund your construction.

Are you thinking of building a new home in southeast New Mexico? We have a variety of New Mexico home construction loans available for most credit and income situations. We make local decisions and have greater flexibility in quick loan decisions. A construction loan is a short-term (usually about a year) used to fund the construction of your home, from breaking ground to moving in.  With a Pioneer Bank construction loan, your construction financing would refinance to a permanent mortgage when your home is complete.  During construction, you only pay the interest on your loan, and your payments may be tax-deductible1.  For construction loan rates, please consult your local lender below.

Buying or financing a home.

Buying a home is one of the largest, most complicated financial decisions you will ever make. It is important to take the time to meet with a local person, who knows the local market and can discuss your options with you.

Sure, the big guys have the marketing dollars to entice you, but when it really comes down to your out-of-pocket cost, interest rate, and monthly mortgage payment, are they providing you with the best service and lowest rate?

We invite you to visit one of our qualified mortgage lenders to compare the true cost – we may just surprise you!