The home of your dreams is just a call away
Customize or build and customize your dream home with convenient in-house lending and one-time closing so you can seamlessly move from construction to permanent financing. NMLS ID: 247953
Overview
At Raiz, we understand that factors like weather and scheduling can create delays in your building schedule. While many lenders require you to finish building within a six-month timeframe, at Raiz, you can enjoy the ease of an entire year to finish your project.
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Features
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One-Time Closing
Enjoy fixed interest rates, reduced closing costs, and single appraisal valuation with one-time closing.
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Low Rates
Competitive traditional fixed-rate loans with 30, 20, or 15-year terms.
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Quick Closings
With quick closing within 30 days or less, you can purchase your dream home in no time.
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Local Underwriting
Our trusted Mortgage Loan Originators are experts in the El Paso and Las Cruces housing markets. We offer an easy, streamlined application
process, and all of our underwriting is done in-office. -
And more
Mortgage Payment Calculator
Homeowners Insurance: 100
Mortgage Insurance: 167
Trust Your Mortgage Loan to Someone Who Knows the Area
When it comes to likely the largest purchase you'll make, put your trust in someone who knows the local housing market. Raiz experts are all local to ensure you get the best service and advice to help you make the best decision for your homebuying goals.
Why Choose Raiz?
Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.
We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.
Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.
We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.
Start your financial journey today.
Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
Disclosures
¹ Rates may change at any time and are subject to creditworthiness.
² All loans are subject to credit qualification and approval.
³ Membership eligibility requirements apply. Membership requirements do not apply to insured loans from the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). Construction loans are available only on properties located in Texas and New Mexico.
Certain fees and conditions apply. Equal Housing Lender.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
More Features
Low Rates
Save money on your mortgage with lower rates than many financial institutions.
Variable and Fixed-Rate Loans Available
Choose the mortgage that works for your budget and goals with variable and fixed-rate loans available.
Low Down Payment Options
You don’t need to come up with 20% to purchase your new home. We offer low down payment options to fit your budget.
Jumbo Loans
Borrow more to afford a house in a higher price range with jumbo loans available up to 100% LTV.
Variety of Repayment Options
Get more control over your monthly and total payment with a variety of repayment options.
Quick Closing Times
Purchase your new home even faster with quick closing times.
Local Service
All our agents are local, so they understand the local housing market for more personalized and knowledgeable service.
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