New Mexico VA Loan Resources Hub

Program figures verified July 2026. Details change; confirm your scenario with us.

Every free tool, guide, and resource Mike publishes, all in one place.

Downloadable PDFs

• The NM VA Loan Playbook: 30+ page guide to using VA financing in New Mexico. Covers eligibility, calculations, NM-specific advantages (NMSA §7-37-5, Down Payment Assistance (DPA)), summer PCS tactics, VA appraisal, refinancing, and pitfalls.
• NM Veteran Money-Saving Guide: quarterly-updated 20-page guide to NM + federal Veteran benefits, discounts, and tax breaks. Updated quarterly.

Calculators (8 total)

• BAH → Purchase Price: base + rank → max NM home price with NM summer utility reality
• Funding Fee Calculator: first use vs subsequent + disability waiver
• PITI Payment Calculator: full monthly with NM county property tax + insurance + HOA
• Max $0-Down Purchase Calculator: income → max VA home price at 41% DTI guideline
• NMSA §7-37-5 Tax Savings Calculator: disabled Veteran property tax exemption $ savings
• IRRRL Recoupment Calculator: 36-month VA rule pass/fail
• Disability Gross-Up Calculator: 25% boost to qualifying income
• Residual Income Calculator: VA's West region 2026 thresholds
• All calculators in one place

Core NM VA loan guides

• Home: site index + base routing
• Eligibility: COE, service requirements, entitlement
• 2026 NM Loan Limits: all 33 counties at $832,750 + VA jumbo above
• NMSA §7-37-5 Disabled Veteran Property Tax: 2026 expansion in-depth look
• Funding Fee + Waiver: 10%+ disability waiver
• IRRRL Simplify Refi
• First-Time VA Buyer
• Assumable VA Loans

NM-specialist content (zero-national-coverage)

• NM DPA + VA Stacker: Chenoa Fund + Arrive Home + Essex/NHF Sapphire with Veteran bonuses
• VA Construction Loans in NM: single-close vs two-close + NM builder list
• Snowbird to New Mexico resident: occupancy and tax-residency transition (ask Mike)
• Tribal Lands + NADL: 22 NM tribes + Native American Direct Loan
• Master-Planned Community VA Status: Rio Rancho, Los Lunas, Mesa del Sol, and similar New Mexico communities (ask Mike for a specific community).
• Wildfire + Insurance Reality: Taos, Ruidoso, Santa Fe foothills, and other forested areas
• Albuquerque vs Las Cruces vs Santa Fe: New Mexico metro comparison
• Summer PCS Playbook: June-August buyer competition tactics (ask Mike)
• NM Retiring Veteran Guide: top-3 US retirement state for Veterans
• VA Loan Glossary: 75+ NM-relevant terms

Comparison pages

• VA Loan vs FHA in New Mexico
• VA Loan vs Conventional in New Mexico
• VA Loan vs USDA in New Mexico

Base hubs (deep PCS guides)

• Kirtland AFB: Nuclear Weapons Center + Sandia support, Albuquerque
• Cannon AFB: 27th Special Operations Wing, Clovis
• Holloman AFB: F-16 + German Air Force training, Alamogordo
• White Sands Missile Range: Army test facility, Las Cruces area

City guides

• Albuquerque · Las Cruces · Santa Fe · Rio Rancho · Roswell · Alamogordo · Clovis

Veteran discounts

• Statewide New Mexico Veteran discounts: state programs, federal benefits, and national chains, including Albuquerque, Las Cruces, and base-area businesses

Free services

• NM VA Credit Tune-Up: free credit coaching for Veterans planning to buy in 6-12 months
• 60-Second Eligibility Check: 3-step intake, no credit pull

Connect with Mike

• About Mike: credentials, NMLS, philosophy
• Contact: phone, email, contact form
• For Real Estate Agents: Realtor referral playbook

External resources worth knowing

• NMLS Consumer Access: verify Mike's license + Cornerstone's license
• VA Home Loan Benefits (VA.gov): official VA loan documentation
• NM Department of Veterans' Services: state Veteran programs
• Chenoa Fund. National VA-compatible DPA program, no income limits
• Arrive Home DPA. National VA-compatible forgivable grant program