yellow chamiso plant in front of Taos mountain

Real Estate & Mortgage Loans

Taos is our home too.

Making a long-term investment purchase, or deciding to buy or build a home is a huge financial step. We know Taos and our mission is to share our local insight with you--to be your advocates in actualizing your dreams. And when your dreams are realized, our community is collectively taking a step forward!

We offer a variety of different loan programs to meet your unique needs. Contact us to discuss actualizing your dreams today!

Centinel Bank NMLS#421889.
Have you found the perfect location but just not ready to build? Are you looking for that beautiful piece of Taos to have all to yourself?

With a Centinel Bank Land Acquisition Loan, you can purchase land and have time to design your dream home. When you are ready to build, we will evaluate financing options to best meet your construction needs. Contact or visit us today.

Unimproved land

  • Competitive Interest rates
  • Finance up to 65% of the purchase price or appraised value, whichever is less
  • Up to 20 year amortization available on land purchases

Improved land- property has improvements including, but not limited to, electricity to site and water (such as a developed well or public utility)

  • Competitive Interest rates
  • Finance up to 75% of the purchase price or appraised value, whichever is less
  • Up to 20 year amortization available on land purchases
Centinel Bank specializes in helping customers build their dream home. We live in and are focused solely on Taos County; therefore have strong knowledge of the local real estate market. Centinel Bank of Taos offers flexible payment terms to match your specific project and finances projects of all sizes. We support conventional and traditional building as well as green or alternative building methods. Upon completion of your home, Centinel Bank will evaluate long term financing options to best fit your needs.

  • Interest only payments for up to a 12 month term
  • Competitive Interest Rates
  • Finance up to 80% of the construction costs or appraised value, whichever is less
We offer a variety of terms and rates allowing us to design a mortgage for your specific needs. We will take the time to learn how we can best help you purchase your home, investment home, or seasonal getaway.
  • Purchase
  • Refinance
  • Competitive Interest Rates
  • Fixed Rate Mortgages
  • 10, 15, and 30 year amortization available for home purchases or refinances
Use the equity in your home to finance home improvements, major purchases, education funding, weddings, etc.

  • Competitive interest rates.
  • Flexible payment plans available
    • Term loans or home equity line of credit
  • Tax deductions may apply (consult your tax advisor)

Bridge Loans:

Centinel Bank offers interim financing that “bridges the gap” until a permanent loan is put in place. We can create a loan structure with terms that will meet the needs of your unique situation. Contact us for more information regarding Bridge Loans.

Home Improvement Loans:

Are you looking to make improvements to your home, or reduce your carbon footprint by adding sustainable building materials? At Centinel Bank, you can make repairs or improvements to your home with a loan structured to meet your individual needs. Contact us today for more information regarding Home Improvement Loans.

Unique Loans for Unique Circumstances

Taos is our home too and we are eager to establish a relationship, understand your needs, and creatively evaluate your unique situation-- especially when it comes to settling into a cozy home! Let us help you to strengthen your financial position and realize your dreams. Contact us for more information.

Let’s Get Started

We would love the opportunity to meet with you and discuss your unique situation. Contact us to schedule some time to meet with our lending team. At the time of your appointment, please bring a completed and signed Residential Loan Application in order to expedite the loan review process.

We look forward to meeting with you and discussing your loan request.