New Mexico's Trusted Hard Money Lender for Real Estate Investors

New Mexico offers investors Southwest living at lower prices than neighboring Arizona and Colorado. Albuquerque has Kirtland Air Force Base, Sandia National Laboratories, and the University of New Mexico. Santa Fe draws second-home buyers, and Las Cruces is growing fast near the Texas border.

Unitas Funding offers New Mexico investors fix-and-flip, new construction, bridge, and DSCR rental loans. Land of Enchantment investors can borrow up to 92.5% of project cost at rates starting at 8.99%, with $4.5 billion in funded loans behind us.

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Fast, Reliable Capital for Your Next New Mexico Deal

Albuquerque's mix of older stucco and pueblo-style homes gives investors plenty of renovation inventory. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Homes in Albuquerque's Nob Hill, the Northeast Heights, and older Las Cruces neighborhoods reward investors who update kitchens, roofs, and cooling systems. Unitas funds purchase and rehab together.

 

 

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New Construction Loans

New Construction Loans

Rio Rancho and the west side of Albuquerque continue to add new homes. Our construction loans fund the full build, with draws released in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to buy a New Mexico property before your current one sells? A Unitas bridge loan lets you close now on 12-, 18-, or 24-month interest-only terms.

 

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DSCR Loans

DSCR Loans for Rental Properties

Kirtland Air Force Base, Sandia and Los Alamos labs, UNM, and New Mexico State University create steady rental demand. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in New Mexico

  1. Southwest Market Knowledge
    We understand New Mexico's adobe and stucco construction, flat roofs, and how values compare with nearby states.

  2. Decisions From the Lender
    Unitas decides and funds in-house, so New Mexico investors get answers fast.
  3. Draws That Keep Projects Moving
    Draws funded in 24–48 hours keep New Mexico renovations and builds on schedule.

  4. Proven Scale
    With $4.5 billion funded, Unitas can support New Mexico investors as they grow.

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Get Pre-Approved in 24 Hours
Found a New Mexico deal? Send us your numbers and get a pre-approval in 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in New Mexico?

Most New Mexico loans close within 10 business days of a complete application.

Does Unitas finance adobe and pueblo-style homes?

Yes. We fund renovations of adobe, stucco, and pueblo-style homes, and we account for their roofs and materials during underwriting.

 

What leverage does Unitas offer in New Mexico?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a New Mexico rental?

Yes. Our DSCR loans qualify based on the property's rental income, not personal income.

Which New Mexico cities does Unitas serve?

We lend statewide. We have a dedicated page for Albuquerque, and we also fund deals in Santa Fe, Las Cruces, Rio Rancho, Roswell, and Farmington.

Albuquerque

Ready to Fund Your Next New Mexico Real Estate Investment?

Unitas Funding gives New Mexico investors fast, dependable capital across the state. From Nob Hill renovations to new homes in Rio Rancho, we fund projects from Albuquerque to Las Cruces. Contact us today to discuss your next New Mexico investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.