LUXURY HOMES FOR SALE IN NEW MEXICO
Find luxury homes
for sale in New Mexico.
Be ready when the perfect luxury home in New Mexico comes on the market. Get preapproved with SoFi and become a competitive buyer with a Verified Preapproval Letter.1 Plus, you could score $350 to $9,500 cash back2 when you seal the deal on your home purchase or sale with SoFi.
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View luxury homes
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
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Here’s how to search luxury homes
in New Mexico.
Help us understand your needs.
Start by answering some quick questions online to help us understand what you’re looking for. You can apply online or schedule a complimentary mortgage consultation by calling (888) 541-0398.
Get partnered with a dedicated MLO.
You’ll be paired with a Mortgage Loan Officer (MLO) who will guide you through the home-buying process and help you find a mortgage that fits your needs.
Submit your application online.
With the help of your MLO, you’ll submit your mortgage application and receive a Verified Preapproval Letter, potentially giving you an edge over other buyers as you start your luxury home search.
Connect with a real estate agent.
After approval, we’ll connect you with a qualified HomeStory real estate agent in New Mexico who specializes in luxury homes for sale. As a bonus, you could earn $350 to $9,500 in cash back rewards after closing.2
View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
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Search luxury homes for sale in New Mexico.
Your dream luxury home awaits. We can help you find it—begin your search with these current listings of New Mexico’s finest luxury homes:
What’s your score? Your credit
score
can impact your refinance rate, monthly
payments, closing costs, and
mortgage refinancing options.
Has the value of your home
changed?
Getting an
appraisal and assessing the
equity of your home is an
important step
in your
home refinance.
Your mortgage refinance rate
is also
influenced by
macroeconomic factors
like
inflation and
unemployment rates.
These economic conditions can drive
interest rate trends and affect
borrowing costs.
Listings displayed provided by HomeStory Real Estate Services, Inc.
View luxury homes
Preparing to buy a luxury home for sale?
Use this quick checklist to prepare for the home-buying process with us, a trusted mortgage lender.
Home Affordability Calculator‘,
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Understand how credit works before buying‘,
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Types of mortgage loans‘,
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text: ‘Figure out how much money you need to put down to qualify for a mortgage loan.
Down payment for an average home‘,
title: ‘Determine your down payment’
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text: ‘Your debit-to-income ratio is a good indicator of how much home you can afford.
Why DTI matters‘,
title: ‘Improve your DTI’
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Required mortgage loan documents‘,
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View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
Why choose SoFi for your mortgage preapproval?
-
Streamlined online process
Enjoy a hassle-free online experience from the comfort of your current home—and skip the bank visit.
-
Quick and easy preapproval
Get your Verified Preapproval Letter quickly, giving you confidence in your approved amount as you browse the market.
-
Flexible access
Easily access, customize, and download your Verified Preapproval Letter online at your convenience.
-
Speedy mortgage processing
SoFi Mortgage Loans close faster than the industry average.3
View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
Preapproval vs. prequalification.
Prequalification gives you a rough estimate of your borrowing power based on self-reported information. Preapproval takes it further by verifying your finances and credit, giving you a Verified Preapproval Letter that demonstrates your credibility to sellers. For a further comparison, see the chart below.
View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
Benefits of a SoFi Home Mortgage Loan:
View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
Boost credibility with a SoFi Preapproval Letter.
SoFi’s Verified Preapproval Letter is fully underwritten, meaning your financial info has been thoroughly reviewed and verified to make you a more attractive buyer to sellers and agents.
SoFi’s On-Time Close Guarantee offer.4
If SoFi causes a delay and your loan doesn’t close by the contract’s specified closing date, we’ll provide a credit of up to $10,000.
Efficient mortgage experience.
Our streamlined process guides you from prequalification through application to closing, helping you navigate the home-buying journey quickly and efficiently when time matters.
Earn cash back on your home purchase.
When you close on your home with SoFi and HomeStory, you could earn between $350 to $9,500—in cash back as a reward for your purchase or sale after closing.2
View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
How to get preapproved for a mortgage with SoFi:
-
Share some financial information.
Through our easy online application, we’ll ask for a few details about your income, employment history, assets, and debts.
-
Verify your financial documents.
Next, you’ll need to submit necessary financial documents, which may include recent pay stubs, W-2 forms, tax returns, and bank statements.
-
Complete application review and credit check.
An underwriter will review your submitted information and documents. We’ll also conduct a soft credit inquiry for prequalification, which won’t impact your credit score.†
-
Get your Verified Preapproval Letter.
Upon approval, you’ll receive a Verified Preapproval Letter confirming your approved loan amount, which may give you a competitive edge when making an offer on a luxury home.
View your rate
NEW! Getting preapproved is now a soft inquiry, meaning it won’t affect your credit score.†
Current mortgage rates by state.
Mortgage rates differ across states due to things like state-specific laws, the level of competition among lenders, and average loan amounts.
To compare the current mortgage interest rates, simply select your state:
Learn more about getting preapproved for a mortgage.
FAQs
Will getting preapproved impact my credit score?
No, a mortgage preapproval with SoFi requires only a soft inquiry.
How long is my preapproval valid for?
Your SoFi Verified Preapproval Letter is valid for 90 days.
What documents do I need for preapproval?
You’ll typically be asked for two years of residency history, two years of employment history, and income and credit documents (paystubs, W-2s, property documentation, etc.)
What is the minimum credit score for a SoFi mortgage?
To be preapproved for a SoFi home mortgage, you’re required to have a minimum credit score of 600. Unsure of your credit score? Check it now.
How far in advance should I get preapproved for a mortgage?
The ideal time to get preapproved for a home loan is right before you begin your home search. This lets you know exactly how much you can afford and demonstrates to a seller you can be approved for a mortgage.
What is the due diligence process like when buying a luxury home?
Due diligence involves thorough inspections (general home, pest, chimney, roof, etc.), reviewing all disclosure documents (seller disclosures, natural hazard reports, HOA documents), and researching the neighborhood and property history. This is vital to identify any potential issues before finalizing the purchase.
How does the HomeStory Rewards program with SoFi work?
HomeStory Rewards connects SoFi customers with experienced, local real estate agents in the HomeStory network. Customers who use a HomeStory agent to buy and/or sell a home are eligible for a post-closing reward of $350 – $9,500, paid by HomeStory, on each transaction (purchase of a home and/or the sale of a home). HomeStory, a real estate brokerage, manages the national network of real estate agents.
What happens after a SoFi mortgage preapproval?
Once you have a SoFi mortgage preapproval letter, you’re ready to start home shopping! With your letter in hand, you can begin looking at luxury properties in your preapproved price range. Even better, when you close on your home with SoFi, you’ll receive between $350 to $9,500 cash back as a reward for your purchase or sale.
Does preapproval guarantee a mortgage?
No. However, it does indicate a lender reviewed your financial information and determined you’ll likely be approved for a mortgage loan for a specific amount.
Is it better to be prequalified or preapproved?
Because preapproval requires a deeper dive into your financials, a preapproval is generally better when you’re shopping for a new home. However, prequalification is a great starting point if you’re just starting to consider buying a new home.
Can I use my SoFi Verified Preapproval for a different property?
Yes, you can use your preapproval for various properties. A preapproval isn’t limited to a single property.
How do I contact a SoFi mortgage specialist?
To speak with a SoFi mortgage loan officer, call 833-408-7634.
What are typical closing costs when buying a luxury home?
Closing costs typically range from 2-5% of the loan amount (not the purchase price) and include various fees such as lender fees, title insurance, escrow fees, appraisal fees, and recording fees. Buyers also often prepay property taxes and insurance.
How important is it to have a local real estate agent in New Mexico?
It’s crucial. A local real estate agent provides invaluable insights into specific neighborhoods, market nuances, pricing strategies, and navigating competitive offers. They can also connect you with trusted local lenders, inspectors, and other professionals.
How long does it take for HomeStory cash back rewards to redeem?
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply.
See more FAQs
Terms and conditions apply. Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. Minimum loan amount is $75,000. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of 12/17/25.
SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except purchase only for New York.
1Verified Preapproval Letter: Terms apply. See conditional preapproval letter for details. Not a final loan approval and not a commitment to lend. HL25-2712400-C
2$350 to $9,500 cash back: HomeStory Rewards is offered by HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with SoFi Bank, N.A. (SoFi). SoFi is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from SoFi is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Rebate amount based on home sale price, see table for details.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
3Faster close than industry average: SoFi’s average time to close is 36 days for a purchase transaction loan and 40 days for a refinance transaction loan – On average over 5 days faster than the industry average (based on competitive market data provided by EllieMae for the period of 1/01/24 – 10/15/24)
4SoFi On-Time Close Guarantee: If all conditions of the Guarantee are met, and your loan does not close on or before the closing date on your purchase contract accepted by SoFi, and the delay is due to SoFi, SoFi will give you a credit toward closing costs or additional expenses caused by the delay in closing of up to $10,000.* The following terms and conditions apply. This Guarantee is available only for loan applications submitted after 04/01/2024. Please discuss terms of this Guarantee with your loan officer. The mortgage must be a purchase transaction that is approved and funded by SoFi. This Guarantee does not apply to loans to purchase bank-owned properties or short-sale transactions. To qualify for the Guarantee, you must: (1) Sign up for access to SoFi’s online portal and upload all requested documents, (2) Submit documents requested by SoFi within 5 business days of the initial request and all additional doc requests within 2 business days (3) Submit an executed purchase contract on an eligible property with the closing date at least 25 calendar days from the receipt of executed Intent to Proceed and receipt of credit card deposit for an appraisal (30 days for VA loans; 40 days for Jumbo loans), (4) Lock your loan rate and satisfy all loan requirements and conditions at least 5 business days prior to your closing date as confirmed with your loan officer, and (5) Pay for and schedule an appraisal within 48 hours of the appraiser first contacting you by phone or email. This Guarantee will not be paid if any delays to closing are attributable to: a) the borrower(s), a third party, the seller or any other factors outside of SoFi control; b) if the information provided by the borrower(s) on the loan application could not be verified or was inaccurate or insufficient; c) attempting to fulfill federal/state regulatory requirements and/or agency guidelines; d) or the closing date is missed due to acts of God outside the control of SoFi. SoFi may change or terminate this offer at any time without notice to you. *To redeem the Guarantee if conditions met, see documentation provided by loan officer.
Screen images simulated. For illustrative purposes only.
©2025 SoFi Technologies, Inc. All rights reserved. HL25-2712400
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