Mortgage Programs with Affordable Mortgage Rates in Clovis, NM

Frost Mortgage is a reliable source for home financing options that offer affordable mortgage rates in Clovis, NM and surrounding areas. We have access to a wide variety of loan programs from conventional 15-to-30-year, fixed- and adjustable-rate mortgages. Our team can help you find a mortgage solution that meets your unique needs, whether you’re looking to buy a home with a conventional mortgage or through one of the government-backed financing options.

Finding home loans in Clovis, NM, is easier with Chris Wood and team. Browse your options below and apply through our streamlined, online application process.


Mortgage underwriting — the process wherein a lender determines a borrower’s level of risk — can sometimes be a lengthy process. One way to get around this is with mortgage prequalification in Clovis, Portales, and surrounding areas in NM. Chris Wood and team will help you through the application process. Prequalifying ensures faster approval of your mortgage application and helps you know exactly how much you qualify for as you’re searching for your next home.  Contact us today to get started.

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Refinance a Loan

Are you having a hard time managing your current mortgage payments? Perhaps you are looking to reduce your interest rate. It might be time to refinance your home loan. Refinancing can get you more affordable monthly payments. Contact Frost Mortgage if you need to refinance your home in Clovis, NM or surrounding area.

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Low Credit Loan

A low credit score can be a hindrance when applying for a conventional home loan. Fortunately, we offer programs to borrowers with less than perfect credit scores. With a low credit loan, homeownership in Clovis, NM is possible. Contact Chris Wood and team to get started on your loan application today.

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New Construction Loan

If you want to build your dream home rather than settle for an existing one that doesn’t quite meet your needs, a new construction loan could be a great option. Talk to our team to find out about the options for new construction loans in Clovis, NM.

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First-Time Homebuyer

Buying a home for the first time can be daunting-especially if you’re wanting to put 20% down on your chosen property. Special programs exist if you’re looking for a first-time homebuyer loan in Clovis, NM, Portales, NM and surrounding areas. You could qualify for a lower interest rate on your monthly amortization. Contact Chris Wood and team and let’s discuss your options.    

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Down Payment Assistance

Apply for down payment assistance and get the keys to your new home faster. We have access to local and state housing programs, as well as private lenders and nonprofits that offer down payment assistance in Clovis, NM. This benefit is also open to first-time homebuyers. Get in touch to learn more about this assistance.    

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VA Loan

As an active service member, veteran or surviving spouse of a U.S. military service member, you may qualify for a VA home loan. The U.S. Department of Veteran Affairs guarantees this housing assistance program. It can offer up to 100% home financing (zero down payment). You can build, buy or repair your current home with a VA loan in Clovis and Cannon Air Force Base, NM.

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FHA Loan

Buying a home with as little as 3.5% down is possible with an FHA loan. Insured by the Federal Housing Administration, this loan is available to low and moderate-income homebuyers. Aspiring homeowners with lower credit scores may also qualify for this loan. Get in touch with Frost Mortgage to apply for an FHA loan in Clovis, NM.

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Planning to buy a home in a rural community? You might qualify for a home loan insured by the U.S. Department of Agriculture’s (USDA) Rural Development Guaranteed Housing Loan Program. It is a 100% financing (zero down payment) program that promotes homeownership in rural areas and less dense communities. Find out if you qualify for a USDA loan in Clovis, NM and surrounding areas.

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Conventional Mortgage

Enjoy affordable monthly payments, fixed interest rates and manageable terms with a conventional mortgage. When you have enough savings to put down 20%, you can even bypass private mortgage insurance.  All of these things make a conventional mortgage in Clovis, NM and surrounding area one of the most popular mortgages we offer.  Talk to us today about any questions you have on 15 year, 30 year or ARM options with this program.

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