Current Best Mortgage Rates in Las Cruces, NM

If you, like many other Americans, have been impressed by sinking mortgage rates and are considering purchasing your first home, today might really be the perfect time. Keep in mind, just because average Las Cruces mortgage rates are at an all-time low doesn’t mean every lending institution will be offering an equally low rate. In order to lower the overall expense of your home purchase as much as possible, you’ll need to research the rates available locally and find the very best.

Whether you’re interested in a traditional fixed rate mortgage or are planning on obtaining an ARM, there’s a lender in Las Cruces, NM with a great rate for you. Below is a list of the best mortgage rates in Las Cruces across a host of loan types.

Las Cruces Banks and Credit Unions with Lowest Mortgage Rates

Top Las Cruces 15-Year Fixed Mortgage Rates

• Wells Fargo Bank, National Association: 3.13%
• • Orig. Fees: 1%
  • Points: 0


• Bank of America, National Association: 3.25%
• • No Orig. Fees
  • Points: 1


• US Bank National Association: 3.38%
• • No Orig. Fees
  • Points: 0

Best 30-Year Fixed Mortgage Rates in Las Cruces

• Wells Fargo Bank, National Association: 4.13%
• • Orig. Fees: 1%
  • Points: 0.88


• Bank of America, National Association: 4.25%
• • No Orig. Fees
  • Points: 0.75


• Washington Federal: 4.25%
• • No Orig. Fees
  • Points: 0

Lowest Las Cruces 3/1 ARM Mortgage Rates

• Wells Fargo Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• US Bank National Association: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Century Bank: 3.25%
• • Orig. Fees: $750.000
  • Points: 0
  • Caps: 2% per Adjustment Period

Best Mortgage Rates for a 5/1 ARM in Las Cruces

• Wells Fargo Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• US Bank National Association: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Century Bank: 3%
• • Orig. Fees: $750.000
  • Points: 0
  • Caps: 2% per Adjustment Period

Please note that these rates are accurate as of November 2011, but are subject to change at any time. Additionally, borrowers may be subject to additional requirements and credit approval in order to receive the lowest advertised rate. Please contact individual lenders to verify rates before applying for a loan.