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Mortgage Loans

Four Corners Community Bank works with leading lenders in the industry to offer a variety of loan programs to meet your needs including 30-year mortgages. Our Mortgage Loan Officers, Brian Huffhines (NMLS #194407) and Janice Huffhines (NMLS# 202071) can help you decide which loan is best for you.

Brian Huffhines: 505.566.2146,

Janice Huffhines: 505.566.2103,

Meet our lending team here.

Mortgage applications 

Ready to apply? Our mortgage loan applications are conveniently available electronically. To start the process or access your account, click here to enter the portal. Of course, if you prefer a paper application, they are available at any of our locations.  

Customer testimonial

We just wanted to thank you for your time reviewing our information for pre-qualification to purchase our first home. We both enjoyed our time with you! Your pleasant demeanor and positive/upbeat attitude made us feel capable of turning our dreams into reality. Because of the time you invested in us, we feel more empowered, encouraged, and determined! We look forward to working with you. Thanks for investing in us.

Sincerely, Adam and Joslyn Bass

Offering the following loan products

  • Conventional Fixed Rate Mortgages

  • USDA Rural Development Loans

  • Veterans Administration Mortgage Loans (VA)

  • Jumbo Mortgage Loans

  • Adjustable Rate Mortgages (RAM)

  • Federal Housing Administration Mortgage Loans (FHA)

Conventional Fixed Rate Mortgages

With a fixed rate mortgage, your interest rate and monthly principal and interest payment will stay the same for the entire term of the loan. Fixed rate mortgages are popular because they protect homeowners from payment surprises and are very straightforward. Conventional Fixed Rate Mortgages are available with a variety of terms, available in conforming and non-conforming loan amounts. Private mortgage insurance is usually required for loans with less than a 20% down payment, or when refinancing more than 80% of your home's value.

Maximum Amount: $417,000

USDA Rural Development Loan

USDA Rural Housing Program is available. Loan allows for 100% financing of the appraised value on homes in eligible areas. Property must qualify and borrower income cannot exceed certain limits. Please call for qualifying information.

Maximum Amount: No maximum loan amount as it is determined by qualifying income and debt ratio guidelines.

Veterans Administration Mortgage Loans (VA)

This loan program is available from the Department of Veteran Affairs. It is designed to serve the needs of veterans and allows 100% financing of the purchase price if needed. This borrower must have a valid Certificate of Eligibility and DD Form 214 to obtain a VA mortgage.

Maximum Amount: $417,000 (can exceed $417,000 in some cases with down payment)

Jumbo Mortgage Loans

Jumbo loans or non-conforming loans are for loan amounts above $417,000. Most of the conforming loan programs and features are the same for Jumbo/non-conforming. However, a few documentation differences apply. Call a lender for more detailed explanation.

Maximum Amount: $2,500,000

Adjustable Rate Mortgages (ARM)

The Adjustable Rate Mortgage (ARM) loan interest rate, monthly principal, and interest payments remain the same for an initial period of one to seven years, then adjust annually. This loan type is generally helpful for those borrowers who anticipate only being in a home for a short time, or expect their income to rise over time. It is important to keep in mind that the rate adjusts based on market rates, and fluctuates periodically based on financial market conditions, which may result in a higher monthly payment. However, built-in rate caps and margins provide a measure of security and limited increases over the life of the loan. Private mortgage insurance is usually required for loans with less than a 20% down payment, or when refinancing more than 80% of your home’s value.

Maximum Amount: $417,000

Federal Housing Administration Mortgage Loans (FHA)

FHA Mortgage Loans are insured by the Department of Housing and Urban Development. FHA offers mortgage loans with a fixed or adjustable rate option. These loans are a good option when a minimum down payment is preferred. FHA requires up-front mortgage insurance, which can be financed in the loan, and a monthly mortgage insurance premium (MIP).

Maximum Amount: $271,050

Mortgage Loan Application

Stop by any of our locations for our mortgage loan application. Have questions? Call our experienced mortgage lending team toll free during business hours at 855.547.3222.

Four Corners Community Bank NMLS# 452405