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Rates

You don’t have to look far to find financial relief. Use the equity in your home for a lump-sum loan or a line of credit.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Competitive rates for short-term or one-time needs:
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And more
  • The existing equity in your home is used as collateral backing
  • Terms tailored to fit your lifestyle
  • The interest paid might be tax deductible1
  • Local decision-making and processing
  • Dedicated, friendly service from start to finish
  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Home improvements
    • Emergency reserve
    • And more
  • The existing equity in your home is used as collateral backing
  • Terms tailored to fit your lifestyle
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds are easily accessible via branch, telephone, or online banking requests
  • The interest paid might be tax deductible1
  • Local decision-making and processing
  • Dedicated, friendly service from start to finish

David Marquez

NMLS ID #787832
(505) 462-1046
david.marquez@ffnm.org

David Marquez joined First Financial over two years ago. He brings prior credit union and mortgage experience, along with a Bachelor of Business Administration degree from the University of New Mexico. He is very knowledgeable in Conventional, VA, FHA, USDA, and Portfolio mortgage loans and will ensure you understand all your available options. He has the expertise and compassion to walk you through the entire mortgage process to ensure a pleasant experience from beginning to closing on your new home.

Helen Quintana

NMLS ID #416007
(505) 462-1043
helen.quintana@ffnm.org

Helen Quintana has been working at First Financial Credit Union in the Mortgage Department for 9 years. As a Mortgage Loan Officer, she is familiar with Conventional, FHA, HELOCs, fixed rate 2nd mortgages and land loans and can ensure your mortgage experience is fast, efficient and pleasant. Helen will strive to present to you all your mortgage options and explain the process from start to finish. 

Ruth Wiseley

NMLS ID #416009
(505) 462-1045
ruth.wiseley@ffnm.org

Ruth Wiseley has been with First Financial Credit Union since 1983 and was one of the original Mortgage team members that was established in 1986. She started in the consumer loan department and has worked various positions throughout the credit union. As a Mortgage Loan Officer, she is experienced in Conventional, Home Equity, FHA and VA loans. Ruth’s goal is to find members the best mortgage to fit their needs and provides knowledgeable and compassionate service. She will guide you through all aspects of the mortgage loan process from application to finish, as well as assist you with understanding of how to build a stronger credit profile if needed. Ruth values our members and strives to make the lending process a pleasant experience.

1Consult a tax advisor.

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