Buying your first home, upgrading your space, or refinancing your current place? FirstLight makes it easy. With great rates, low down payments, and expert help at every turn, we’re here to get you home.

Buying a home is a big deal. Getting a mortgage shouldn’t be. Which is why we have so many different options for our members. If you’re ready to buy, upgrade, or refinance, we’re ready to help.

• First-Time Homebuyer Programs – Start with as little as 3% down or up to 100% financing.
• Traditional Fixed-Rate Loans – Stable, fixed monthly payments with 15, 20, or 30 year terms.
• Texas Veteran Land Board Home Loans – Competitive rates and terms to honor your service
• VA and FHA Loans – Government-backed with flexible credit requirements and low down payment options
• Home Equity Loans – Tap into your home's equity for renovations, debt consolidation, or other financial needs
• Portfolio Loans – Customized solutions for non-traditional borrowers
• With You All The Way – Free home counseling for current members and loans to help establish credit.

Disclosure: All loans are subject to credit qualification and approval. Mortgage loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply. Equal Housing Lender. 

Our mortgage experts are locals who know the El Paso and Las Cruces markets as well as we know our customers. In addition to our competitive rates and flexible options, we’re with you every step of the way to offer personalized guidance and support tailored specifically to you so you’ll always feel right at home.

Low Down Payment Options

As little as 3% down.

100% Financing Options

First-time buyers may qualify for full financing.

Flexible Loan Terms

Find the perfect loan for you.

Specialized Loan Programs

Customized solutions for veterans and 

first-time buyers.

Credit-Friendly Programs

Build or rebuild 

your credit 

with the right loan.

Educational Support

Resources and counseling through the entire 

mortgage process.

Apply now and find the mortgage that fits your needs. Join our community today.

All loans are subject to credit qualification and approval. Mortgage loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply. Equal Housing Lender. NMLS #480345