New Mexico VA Loan Resources Hub
Every free tool, guide, and resource Mike publishes — all in one place.
Downloadable PDFs
- The NM VA Loan Playbook — 30+ page comprehensive 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 Vet Property Tax — 2026 expansion deep dive
- Funding Fee + Waiver — 10%+ disability waiver
- IRRRL Streamline 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
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