Credit Readiness Program Dashboard

(Loans or Residential Mortgages)

Empowering New Mexico families and businesses with access to credit and homeownership opportunities through trusted financial institutions and comprehensive lending assistance programs.

A Black Chamber of Commerce NM Initiative

The Black Chamber of Commerce of New Mexico is committed to increasing homeownership opportunities for underserved communities. This dashboard connects you with financial institutions offering specialized programs designed to make homeownership more accessible through down payment assistance, low-interest loans, and expert guidance.

Financial Institutions

Select an institution below to explore their buyer readiness programs and get qualified.

Credit Readiness Program Dashboard

Financial Institutions

Bank of Albuquerque

Chase

Homewise

Loan Fund

Nusenda Federal Credit Union

Sunward Federal Credit Union

Credit Readiness Program Dashboard

Financial Institutions

Bank of AlbuquerqueLocal lenders with 99% loan servicing, offering FHA loans, USDA Rural loans, Construction loans, and Jumbo loans.

Bank of Albuquerque

ChaseChase Homebuyer Grant ($2,500-$5,000), DreaMaker (3% down), FHA loans, and VA loans with on-time closing guarantee.

Chase

HomewiseNonprofit offering 2% down payment mortgages, up to $40,000 down payment assistance, no mortgage insurance, and free coaching.

Homewise

Loan FundMicroloans ($5,000-$50,000) for start-ups and Small Business Loans ($50,000-$350,000) for expansion. Nonprofit loans and flexible lines of credit also available. CDFI serving underserved entrepreneurs since 1989.

Loan Fund

Nusenda Federal Credit UnionPersonal loans, lines of credit, secured loans, and debt consolidation with competitive rates and flexible terms for members.

Nusenda Federal Credit Union

Sunward Federal Credit UnionFixed-rate mortgages (5.500%-6.125% APR) and ARMs (5.375%-6.875% APR) with up to 95% LTV and NO PMI required. Signature loans (8.750% APR), credit lines, savings-secured loans, and member assistance loans with no payment for 90 days.

Sunward Federal Credit Union