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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.69 out of 5.0 stars
5.0
4.38
Mario
Jun 09, 2025
Albuquerque, NM
Verified

Richard Mercer has helped my clients with multiple transactions in the past and continues to deliver.
Nell
Apr 21, 2025
Albuquerque, NM
Verified

It was great
Zaruhi
Mar 10, 2025
Albuquerque, NM
Verified

Richard is sharp, professional, and prompt.
Jordan
Mar 10, 2025
Albuquerque, NM
Verified

Richard Mercer has been a great partner for years helping my family and me with our lending needs.
Alicia
Feb 01, 2022
Albuquerque, NM
Verified

Mr. Mercer was very helpful and made it easy.
jwhite 0
Mar 29, 2017
Verified

We recently closed a loan with Richard Mercer and our experience was first class. We were first time home buyers with a relatively complex financial situation (employed income, business income, assets) and wanted a unique loan program (jumbo, no PMI). We had attempted to work with other mortgage professionals who told us that the complexity of our financial situation would make purchasing a home impossible. Richard completely understood the complexities of our situation from the very start of the transaction and helped us navigate a few bumps that occurred during the transaction. His ability to problem solve and communication skills are second-to-none. He made himself readily available at all times (evenings, weekends) and answered every question we had in the process. Richard made the experience entirely transparent and was able to anticipate potential problems. Not only could he identify potential issues, he always had a proposed solution. Ultimately, we closed on time and without a hitch. We wouldn't hesitate to recommend Richard to anyone who is looking for a mortgage professional who is honest, hard working, a great communicator and willing to get the deal done.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #232016
I am authorized to do business in the state of New Mexico.