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Find Mortgage Refinance Companies Near You in Santa Fe, NM
Compare mortgage refinance companies in Santa Fe. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Santa Fe, NM
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New Mexico before hiring.
Showing 19 mortgage refinance companies in Santa Fe, NM
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Nations Lending - Santa Fe, NM Branch - NMLS: 2147533
515 Don Gaspar Ave Suite A, Santa Fe, NM 87505
5052163593
Robert Morris at Waterstone Mortgage NMLS #492531
417 E Palace Ave, Santa Fe, NM 87501
5057804921
BernaDette Sanchez at Waterstone Mortgage NMLS #1194059
Sandra Claymore at Waterstone Mortgage NMLS #492523
417 E Palace Ave, Santa Fe, NM 87501
5057150278
Brad Gallegos Branch
404 Kiva Ct STE G, Santa Fe, NM 87505
5056606235
Lisa Sicre, Success Mortgage Partners
215 Lincoln Ave suite 120, Santa Fe, NM 87501
5059166281
Santa Fe Mortgage Company
459 Cerrillos Rd, Santa Fe, NM 87501
5059882501
Change Home Mortgage
549 S Guadalupe St #206, Santa Fe, NM 87501
5055966061
Guild Mortgage - Paula Delair
130 Lincoln Ave Ste K, Santa Fe, NM 87501
5056601988
Cissy Moore at Waterstone Mortgage NMLS #539901
417 E Palace Ave, Santa Fe, NM 87501
5056703454
Waterstone Mortgage Corporation
417 E Palace Ave, Santa Fe, NM 87501
5057804930
Union Home Mortgage
150 Washington Ave Suite 201, Santa Fe, NM 87501
5054947946
Marita DeVargas - Mortgage Advisor (loanDepot)
150 Washington Ave Ste. 201, #206, Santa Fe, NM 87501
5056605044
Casita Mortgages
128 Grant Ave Ste 217, Santa Fe, NM 87501
5056906220
The Mortgage Place
231 Washington Ave, Santa Fe, NM 87501
5059869080
Guild Mortgage Company
130 Lincoln Ave Ste K, Santa Fe, NM 87501
5052964747
A mortgage refinance company in Santa Fe New Mexico helps homeowners lower their interest rate or change loan terms. New Mexico law requires lenders to provide a clear Loan Estimate within three business days of application. Local lenders understand Santa Fe property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Santa Fe Cost?
Typical costs for a mortgage refinance in New Mexico range from 2 to 6 percent of the loan amount. For a 200,000 dollar loan this means 4,000 to 12,000 dollars in fees. Common costs include appraisal fees of 400 to 700 dollars, title insurance of 500 to 1,500 dollars, and recording fees of 50 to 100 dollars. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the typical timeline for a mortgage refinance in Santa Fe?
A standard refinance in New Mexico usually takes 30 to 45 days from application to closing. The timeline depends on appraisal scheduling and lender workload. New Mexico law does not set a specific maximum time for refinances.
Are there New Mexico specific fees for refinancing a mortgage?
Yes New Mexico charges a mortgage recording tax of 0.01 percent of the loan amount. You may also pay state documentary stamp taxes and title insurance fees. These costs vary by county and loan size.
Can I refinance a mortgage in Santa Fe if I have a low credit score?
Yes some lenders in New Mexico offer refinance options for credit scores as low as 580. However you may face higher interest rates or require mortgage insurance. Each lender sets its own credit score minimums.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New Mexico.