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New Mexico Refinance Rates
New Mexico Refinance Rates shows today's refinance rates in New Mexico. Find and compare the best NM refinance rates and save money on your mortgage payments.
Following are the refinance rates from 6 New Mexico lenders. Updated: October 08, 2026.
Today's Refinance Rates (New Mexico)
| Lender | Rate / APR | Payment / Fees |
|---|---|---|
|
District Lending
30-Year Fixed
|
6.75%
APR: 6.97%
|
$3,243 /mo
$5,463 (1.250 Pts)
|
|
Barrett Financial
30-Year Fixed
|
6.75%
APR: 7.00%
|
$3,243 /mo
$5,275 (1.500 Pts)
|
|
AimLoan.com
30-Year Fixed
|
7.00%
APR: 7.14%
|
$3,327 /mo
$1,236 (1.164 Pts)
|
|
Sage Home Loan Corporation
30-Year Fixed
|
7.13%
APR: 7.21%
|
$3,369 /mo
$1,494 (0.547 Pts)
|
|
Refi.com
30-Year Fixed
|
7.13%
APR: 7.22%
|
$3,369 /mo
$0 (0.938 Pts)
|
|
Farmers Bank of Kansas City
30-Year Fixed
|
7.13%
APR: 7.24%
|
$3,369 /mo
$795 (0.976 Pts)
|
Mortgage Refinance Calculator |
||||||
New Monthly Payment: |
$1,727.95 | |||||
Payoff Date: |
Sep, 2041 | |||||
Closing Cost: |
$0.00 | |||||
Other Expenses: |
$0.00 | |||||
Interest Savings: |
$111,394.01 | |||||
Total Savings: |
$111,394.01 | |||||
Mortgage Refinance Amortization Schedule |
||||||
| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Oct, 2026 | 1 | $1,061.67 | $666.29 | $1,727.95 | $199,333.71 | |
| Nov, 2026 | 2 | $1,058.13 | $669.82 | $1,727.95 | $198,663.89 | |
| Dec, 2026 | 3 | $1,054.57 | $673.38 | $1,727.95 | $197,990.51 | |
| Jan, 2027 | 4 | $1,051.00 | $676.95 | $1,727.95 | $197,313.56 | |
| Feb, 2027 | 5 | $1,047.41 | $680.55 | $1,727.95 | $196,633.01 | |
| Mar, 2027 | 6 | $1,043.79 | $684.16 | $1,727.95 | $195,948.85 | |
| Apr, 2027 | 7 | $1,040.16 | $687.79 | $1,727.95 | $195,261.06 | |
| May, 2027 | 8 | $1,036.51 | $691.44 | $1,727.95 | $194,569.62 | |
| Jun, 2027 | 9 | $1,032.84 | $695.11 | $1,727.95 | $193,874.50 | |
| Jul, 2027 | 10 | $1,029.15 | $698.80 | $1,727.95 | $193,175.70 | |
| Aug, 2027 | 11 | $1,025.44 | $702.51 | $1,727.95 | $192,473.19 | |
| Sep, 2027 | 12 | $1,021.71 | $706.24 | $1,727.95 | $191,766.95 | |
| Oct, 2027 | 13 | $1,017.96 | $709.99 | $1,727.95 | $191,056.96 | |
| Nov, 2027 | 14 | $1,014.19 | $713.76 | $1,727.95 | $190,343.20 | |
| Dec, 2027 | 15 | $1,010.41 | $717.55 | $1,727.95 | $189,625.65 | |
| Jan, 2028 | 16 | $1,006.60 | $721.36 | $1,727.95 | $188,904.29 | |
| Feb, 2028 | 17 | $1,002.77 | $725.19 | $1,727.95 | $188,179.10 | |
| Mar, 2028 | 18 | $998.92 | $729.04 | $1,727.95 | $187,450.07 | |
| Apr, 2028 | 19 | $995.05 | $732.91 | $1,727.95 | $186,717.16 | |
| May, 2028 | 20 | $991.16 | $736.80 | $1,727.95 | $185,980.37 | |
| Jun, 2028 | 21 | $987.25 | $740.71 | $1,727.95 | $185,239.66 | |
| Jul, 2028 | 22 | $983.31 | $744.64 | $1,727.95 | $184,495.02 | |
| Aug, 2028 | 23 | $979.36 | $748.59 | $1,727.95 | $183,746.43 | |
| Sep, 2028 | 24 | $975.39 | $752.57 | $1,727.95 | $182,993.86 | |
| Oct, 2028 | 25 | $971.39 | $756.56 | $1,727.95 | $182,237.30 | |
| Nov, 2028 | 26 | $967.38 | $760.58 | $1,727.95 | $181,476.72 | |
| Dec, 2028 | 27 | $963.34 | $764.61 | $1,727.95 | $180,712.11 | |
| Jan, 2029 | 28 | $959.28 | $768.67 | $1,727.95 | $179,943.43 | |
| Feb, 2029 | 29 | $955.20 | $772.75 | $1,727.95 | $179,170.68 | |
| Mar, 2029 | 30 | $951.10 | $776.86 | $1,727.95 | $178,393.82 | |
| Apr, 2029 | 31 | $946.97 | $780.98 | $1,727.95 | $177,612.85 | |
| May, 2029 | 32 | $942.83 | $785.13 | $1,727.95 | $176,827.72 | |
| Jun, 2029 | 33 | $938.66 | $789.29 | $1,727.95 | $176,038.43 | |
| Jul, 2029 | 34 | $934.47 | $793.48 | $1,727.95 | $175,244.94 | |
| Aug, 2029 | 35 | $930.26 | $797.69 | $1,727.95 | $174,447.25 | |
| Sep, 2029 | 36 | $926.02 | $801.93 | $1,727.95 | $173,645.32 | |
| Oct, 2029 | 37 | $921.77 | $806.19 | $1,727.95 | $172,839.13 | |
| Nov, 2029 | 38 | $917.49 | $810.47 | $1,727.95 | $172,028.67 | |
| Dec, 2029 | 39 | $913.19 | $814.77 | $1,727.95 | $171,213.90 | |
| Jan, 2030 | 40 | $908.86 | $819.09 | $1,727.95 | $170,394.81 | |
| Feb, 2030 | 41 | $904.51 | $823.44 | $1,727.95 | $169,571.37 | |
| Mar, 2030 | 42 | $900.14 | $827.81 | $1,727.95 | $168,743.55 | |
| Apr, 2030 | 43 | $895.75 | $832.21 | $1,727.95 | $167,911.35 | |
| May, 2030 | 44 | $891.33 | $836.62 | $1,727.95 | $167,074.72 | |
| Jun, 2030 | 45 | $886.89 | $841.07 | $1,727.95 | $166,233.66 | |
| Jul, 2030 | 46 | $882.42 | $845.53 | $1,727.95 | $165,388.13 | |
| Aug, 2030 | 47 | $877.94 | $850.02 | $1,727.95 | $164,538.11 | |
| Sep, 2030 | 48 | $873.42 | $854.53 | $1,727.95 | $163,683.58 | |
| Oct, 2030 | 49 | $868.89 | $859.07 | $1,727.95 | $162,824.51 | |
| Nov, 2030 | 50 | $864.33 | $863.63 | $1,727.95 | $161,960.89 | |
| Dec, 2030 | 51 | $859.74 | $868.21 | $1,727.95 | $161,092.68 | |
| Jan, 2031 | 52 | $855.13 | $872.82 | $1,727.95 | $160,219.86 | |
| Feb, 2031 | 53 | $850.50 | $877.45 | $1,727.95 | $159,342.40 | |
| Mar, 2031 | 54 | $845.84 | $882.11 | $1,727.95 | $158,460.29 | |
| Apr, 2031 | 55 | $841.16 | $886.79 | $1,727.95 | $157,573.50 | |
| May, 2031 | 56 | $836.45 | $891.50 | $1,727.95 | $156,682.00 | |
| Jun, 2031 | 57 | $831.72 | $896.23 | $1,727.95 | $155,785.77 | |
| Jul, 2031 | 58 | $826.96 | $900.99 | $1,727.95 | $154,884.78 | |
| Aug, 2031 | 59 | $822.18 | $905.77 | $1,727.95 | $153,979.00 | |
| Sep, 2031 | 60 | $817.37 | $910.58 | $1,727.95 | $153,068.42 | |
| Oct, 2031 | 61 | $812.54 | $915.42 | $1,727.95 | $152,153.01 | |
| Nov, 2031 | 62 | $807.68 | $920.27 | $1,727.95 | $151,232.73 | |
| Dec, 2031 | 63 | $802.79 | $925.16 | $1,727.95 | $150,307.57 | |
| Jan, 2032 | 64 | $797.88 | $930.07 | $1,727.95 | $149,377.50 | |
| Feb, 2032 | 65 | $792.95 | $935.01 | $1,727.95 | $148,442.49 | |
| Mar, 2032 | 66 | $787.98 | $939.97 | $1,727.95 | $147,502.52 | |
| Apr, 2032 | 67 | $782.99 | $944.96 | $1,727.95 | $146,557.56 | |
| May, 2032 | 68 | $777.98 | $949.98 | $1,727.95 | $145,607.58 | |
| Jun, 2032 | 69 | $772.93 | $955.02 | $1,727.95 | $144,652.56 | |
| Jul, 2032 | 70 | $767.86 | $960.09 | $1,727.95 | $143,692.47 | |
| Aug, 2032 | 71 | $762.77 | $965.19 | $1,727.95 | $142,727.29 | |
| Sep, 2032 | 72 | $757.64 | $970.31 | $1,727.95 | $141,756.98 | |
| Oct, 2032 | 73 | $752.49 | $975.46 | $1,727.95 | $140,781.52 | |
| Nov, 2032 | 74 | $747.32 | $980.64 | $1,727.95 | $139,800.88 | |
| Dec, 2032 | 75 | $742.11 | $985.84 | $1,727.95 | $138,815.04 | |
| Jan, 2033 | 76 | $736.88 | $991.08 | $1,727.95 | $137,823.96 | |
| Feb, 2033 | 77 | $731.62 | $996.34 | $1,727.95 | $136,827.62 | |
| Mar, 2033 | 78 | $726.33 | $1,001.63 | $1,727.95 | $135,826.00 | |
| Apr, 2033 | 79 | $721.01 | $1,006.94 | $1,727.95 | $134,819.05 | |
| May, 2033 | 80 | $715.66 | $1,012.29 | $1,727.95 | $133,806.76 | |
| Jun, 2033 | 81 | $710.29 | $1,017.66 | $1,727.95 | $132,789.10 | |
| Jul, 2033 | 82 | $704.89 | $1,023.06 | $1,727.95 | $131,766.04 | |
| Aug, 2033 | 83 | $699.46 | $1,028.50 | $1,727.95 | $130,737.54 | |
| Sep, 2033 | 84 | $694.00 | $1,033.95 | $1,727.95 | $129,703.59 | |
| Oct, 2033 | 85 | $688.51 | $1,039.44 | $1,727.95 | $128,664.14 | |
| Nov, 2033 | 86 | $682.99 | $1,044.96 | $1,727.95 | $127,619.18 | |
| Dec, 2033 | 87 | $677.45 | $1,050.51 | $1,727.95 | $126,568.67 | |
| Jan, 2034 | 88 | $671.87 | $1,056.08 | $1,727.95 | $125,512.59 | |
| Feb, 2034 | 89 | $666.26 | $1,061.69 | $1,727.95 | $124,450.90 | |
| Mar, 2034 | 90 | $660.63 | $1,067.33 | $1,727.95 | $123,383.57 | |
| Apr, 2034 | 91 | $654.96 | $1,072.99 | $1,727.95 | $122,310.58 | |
| May, 2034 | 92 | $649.27 | $1,078.69 | $1,727.95 | $121,231.89 | |
| Jun, 2034 | 93 | $643.54 | $1,084.41 | $1,727.95 | $120,147.48 | |
| Jul, 2034 | 94 | $637.78 | $1,090.17 | $1,727.95 | $119,057.31 | |
| Aug, 2034 | 95 | $632.00 | $1,095.96 | $1,727.95 | $117,961.35 | |
| Sep, 2034 | 96 | $626.18 | $1,101.78 | $1,727.95 | $116,859.57 | |
| Oct, 2034 | 97 | $620.33 | $1,107.62 | $1,727.95 | $115,751.95 | |
| Nov, 2034 | 98 | $614.45 | $1,113.50 | $1,727.95 | $114,638.45 | |
| Dec, 2034 | 99 | $608.54 | $1,119.41 | $1,727.95 | $113,519.03 | |
| Jan, 2035 | 100 | $602.60 | $1,125.36 | $1,727.95 | $112,393.68 | |
| Feb, 2035 | 101 | $596.62 | $1,131.33 | $1,727.95 | $111,262.35 | |
| Mar, 2035 | 102 | $590.62 | $1,137.34 | $1,727.95 | $110,125.01 | |
| Apr, 2035 | 103 | $584.58 | $1,143.37 | $1,727.95 | $108,981.64 | |
| May, 2035 | 104 | $578.51 | $1,149.44 | $1,727.95 | $107,832.19 | |
| Jun, 2035 | 105 | $572.41 | $1,155.54 | $1,727.95 | $106,676.65 | |
| Jul, 2035 | 106 | $566.28 | $1,161.68 | $1,727.95 | $105,514.97 | |
| Aug, 2035 | 107 | $560.11 | $1,167.84 | $1,727.95 | $104,347.13 | |
| Sep, 2035 | 108 | $553.91 | $1,174.04 | $1,727.95 | $103,173.08 | |
| Oct, 2035 | 109 | $547.68 | $1,180.28 | $1,727.95 | $101,992.81 | |
| Nov, 2035 | 110 | $541.41 | $1,186.54 | $1,727.95 | $100,806.26 | |
| Dec, 2035 | 111 | $535.11 | $1,192.84 | $1,727.95 | $99,613.42 | |
| Jan, 2036 | 112 | $528.78 | $1,199.17 | $1,727.95 | $98,414.25 | |
| Feb, 2036 | 113 | $522.42 | $1,205.54 | $1,727.95 | $97,208.71 | |
| Mar, 2036 | 114 | $516.02 | $1,211.94 | $1,727.95 | $95,996.78 | |
| Apr, 2036 | 115 | $509.58 | $1,218.37 | $1,727.95 | $94,778.41 | |
| May, 2036 | 116 | $503.12 | $1,224.84 | $1,727.95 | $93,553.57 | |
| Jun, 2036 | 117 | $496.61 | $1,231.34 | $1,727.95 | $92,322.23 | |
| Jul, 2036 | 118 | $490.08 | $1,237.88 | $1,727.95 | $91,084.35 | |
| Aug, 2036 | 119 | $483.51 | $1,244.45 | $1,727.95 | $89,839.91 | |
| Sep, 2036 | 120 | $476.90 | $1,251.05 | $1,727.95 | $88,588.85 | |
| Oct, 2036 | 121 | $470.26 | $1,257.69 | $1,727.95 | $87,331.16 | |
| Nov, 2036 | 122 | $463.58 | $1,264.37 | $1,727.95 | $86,066.79 | |
| Dec, 2036 | 123 | $456.87 | $1,271.08 | $1,727.95 | $84,795.71 | |
| Jan, 2037 | 124 | $450.12 | $1,277.83 | $1,727.95 | $83,517.88 | |
| Feb, 2037 | 125 | $443.34 | $1,284.61 | $1,727.95 | $82,233.26 | |
| Mar, 2037 | 126 | $436.52 | $1,291.43 | $1,727.95 | $80,941.83 | |
| Apr, 2037 | 127 | $429.67 | $1,298.29 | $1,727.95 | $79,643.54 | |
| May, 2037 | 128 | $422.77 | $1,305.18 | $1,727.95 | $78,338.37 | |
| Jun, 2037 | 129 | $415.85 | $1,312.11 | $1,727.95 | $77,026.26 | |
| Jul, 2037 | 130 | $408.88 | $1,319.07 | $1,727.95 | $75,707.19 | |
| Aug, 2037 | 131 | $401.88 | $1,326.07 | $1,727.95 | $74,381.11 | |
| Sep, 2037 | 132 | $394.84 | $1,333.11 | $1,727.95 | $73,048.00 | |
| Oct, 2037 | 133 | $387.76 | $1,340.19 | $1,727.95 | $71,707.81 | |
| Nov, 2037 | 134 | $380.65 | $1,347.30 | $1,727.95 | $70,360.50 | |
| Dec, 2037 | 135 | $373.50 | $1,354.46 | $1,727.95 | $69,006.05 | |
| Jan, 2038 | 136 | $366.31 | $1,361.65 | $1,727.95 | $67,644.40 | |
| Feb, 2038 | 137 | $359.08 | $1,368.87 | $1,727.95 | $66,275.53 | |
| Mar, 2038 | 138 | $351.81 | $1,376.14 | $1,727.95 | $64,899.39 | |
| Apr, 2038 | 139 | $344.51 | $1,383.45 | $1,727.95 | $63,515.94 | |
| May, 2038 | 140 | $337.16 | $1,390.79 | $1,727.95 | $62,125.15 | |
| Jun, 2038 | 141 | $329.78 | $1,398.17 | $1,727.95 | $60,726.98 | |
| Jul, 2038 | 142 | $322.36 | $1,405.59 | $1,727.95 | $59,321.38 | |
| Aug, 2038 | 143 | $314.90 | $1,413.06 | $1,727.95 | $57,908.33 | |
| Sep, 2038 | 144 | $307.40 | $1,420.56 | $1,727.95 | $56,487.77 | |
| Oct, 2038 | 145 | $299.86 | $1,428.10 | $1,727.95 | $55,059.67 | |
| Nov, 2038 | 146 | $292.28 | $1,435.68 | $1,727.95 | $53,624.00 | |
| Dec, 2038 | 147 | $284.65 | $1,443.30 | $1,727.95 | $52,180.70 | |
| Jan, 2039 | 148 | $276.99 | $1,450.96 | $1,727.95 | $50,729.73 | |
| Feb, 2039 | 149 | $269.29 | $1,458.66 | $1,727.95 | $49,271.07 | |
| Mar, 2039 | 150 | $261.55 | $1,466.41 | $1,727.95 | $47,804.67 | |
| Apr, 2039 | 151 | $253.76 | $1,474.19 | $1,727.95 | $46,330.48 | |
| May, 2039 | 152 | $245.94 | $1,482.02 | $1,727.95 | $44,848.46 | |
| Jun, 2039 | 153 | $238.07 | $1,489.88 | $1,727.95 | $43,358.58 | |
| Jul, 2039 | 154 | $230.16 | $1,497.79 | $1,727.95 | $41,860.79 | |
| Aug, 2039 | 155 | $222.21 | $1,505.74 | $1,727.95 | $40,355.04 | |
| Sep, 2039 | 156 | $214.22 | $1,513.74 | $1,727.95 | $38,841.31 | |
| Oct, 2039 | 157 | $206.18 | $1,521.77 | $1,727.95 | $37,319.54 | |
| Nov, 2039 | 158 | $198.10 | $1,529.85 | $1,727.95 | $35,789.69 | |
| Dec, 2039 | 159 | $189.98 | $1,537.97 | $1,727.95 | $34,251.72 | |
| Jan, 2040 | 160 | $181.82 | $1,546.13 | $1,727.95 | $32,705.58 | |
| Feb, 2040 | 161 | $173.61 | $1,554.34 | $1,727.95 | $31,151.24 | |
| Mar, 2040 | 162 | $165.36 | $1,562.59 | $1,727.95 | $29,588.65 | |
| Apr, 2040 | 163 | $157.07 | $1,570.89 | $1,727.95 | $28,017.76 | |
| May, 2040 | 164 | $148.73 | $1,579.23 | $1,727.95 | $26,438.54 | |
| Jun, 2040 | 165 | $140.34 | $1,587.61 | $1,727.95 | $24,850.93 | |
| Jul, 2040 | 166 | $131.92 | $1,596.04 | $1,727.95 | $23,254.89 | |
| Aug, 2040 | 167 | $123.44 | $1,604.51 | $1,727.95 | $21,650.38 | |
| Sep, 2040 | 168 | $114.93 | $1,613.03 | $1,727.95 | $20,037.36 | |
| Oct, 2040 | 169 | $106.36 | $1,621.59 | $1,727.95 | $18,415.77 | |
| Nov, 2040 | 170 | $97.76 | $1,630.20 | $1,727.95 | $16,785.57 | |
| Dec, 2040 | 171 | $89.10 | $1,638.85 | $1,727.95 | $15,146.72 | |
| Jan, 2041 | 172 | $80.40 | $1,647.55 | $1,727.95 | $13,499.17 | |
| Feb, 2041 | 173 | $71.66 | $1,656.30 | $1,727.95 | $11,842.88 | |
| Mar, 2041 | 174 | $62.87 | $1,665.09 | $1,727.95 | $10,177.79 | |
| Apr, 2041 | 175 | $54.03 | $1,673.93 | $1,727.95 | $8,503.86 | |
| May, 2041 | 176 | $45.14 | $1,682.81 | $1,727.95 | $6,821.05 | |
| Jun, 2041 | 177 | $36.21 | $1,691.74 | $1,727.95 | $5,129.31 | |
| Jul, 2041 | 178 | $27.23 | $1,700.73 | $1,727.95 | $3,428.58 | |
| Aug, 2041 | 179 | $18.20 | $1,709.75 | $1,727.95 | $1,718.83 | |
| Sep, 2041 | 180 | $9.12 | $1,718.83 | $1,727.95 | $0.00 | |
Mortgage vs. Refinance |
||||||
| Original | Mortgage Refinance | |||||
| Monthly Payment | $1,315.43 | $1,727.95 | ||||
| Total Interest | $222,425.62 | $111,031.61 | ||||
| Total Principal | $200,000.00 | $200,000.00 | ||||
| Total Payment | $422,425.62 | $311,031.61 | ||||
| Closing Cost | $0 | $0.00 | ||||
| Other Expenses | $0 | $0.00 | ||||
| Total Interest Savings | $0 | $111,394.01 | ||||
| Total Savings | $0 | $111,394.01 | ||||
| Payoff Date | Jul, 2053 | Sep, 2041 | ||||
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