Turn the equity in your New Mexico home, second home or rental property into business capital: a business-purpose home equity line of credit from $25,000 to $750,000, often without refinancing your first mortgage.
What you need to qualify for a business-purpose HELOC on New Mexico property.
About 600+ in limited primary-residence cases; 680+ typical for second homes and investment property
$25,000 minimum to $750,000 maximum for qualified applicants
Up to about 85% on a primary residence in 1st lien; about 70–80% on investment property
Primary residence, second / vacation home or investment property
Single-family, townhome, condo, PUD or 2–4 unit residential; up to 20 acres
1st, 2nd or eligible 3rd lien behind your current mortgage
Fixed rate; variable where eligible
Eligible where allowed (25%+ owner signs)
Verified digitally through bank, payroll, asset or tax data; debt-to-income must qualify
Legitimate business purpose only (no personal or consumer use)
The approved line is generally fully drawn at closing and repaid over 10, 15, 20 or 30 years. As you pay down principal, that amount may become available to draw again during the draw period. Where the lien structure allows, the line sits behind your existing first mortgage, so a low-rate loan can stay in place. There is no standard prepayment penalty.
We help property owners across New Mexico, including Albuquerque, Las Cruces, Rio Rancho, Santa Fe and Roswell, plus every other county in the state.
Enter your New Mexico property, its value, current liens and the amount you want.
Income, debts, ownership and your business use of funds.
See the options you qualify for.
Identity, income, title and value verified digitally where possible.
eNotary where permitted; qualifying files may fund in several business days.
Yes. New Mexico properties are currently accepted for business-purpose HELOCs from $25,000 to $750,000, subject to credit, income, property and underwriting approval.
Generally a 600–680+ credit score depending on occupancy, enough equity to stay within the combined LTV limit, verified income with a qualifying debt-to-income ratio, an eligible residential property in New Mexico, and a business purpose for the funds.
Yes. Investment properties and second homes in New Mexico are eligible, typically with a 680+ credit score and a lower combined LTV (about 70–80%) than a primary residence.
The minimum line in New Mexico is $25,000 and the maximum is $750,000 for qualified applicants.
No. Where the lien structure allows, the HELOC sits behind your existing first mortgage, so you can keep a low-rate loan in place.
Identity, income, title and value are verified digitally where possible, and qualifying files may fund in as few as several business days.
Fixed rates are available, and variable rates may be available for eligible files.
Yes, where allowed, with 25%+ owners signing. We'll confirm the details for your New Mexico property.
HELOC available — tap your state Not available: try our business-purpose 2nd mortgage, offered in all 50 states
The Business-Purpose HELOC is offered through a third-party lending partner. Win-Win Capital Funding, LLC is an independent referral partner and may be compensated for applications submitted through this site. Win-Win does not make credit decisions. All loans are subject to credit approval, verified income, debt-to-income requirements, collateral review, title, valuation, state availability and other underwriting requirements, and terms may change without notice. Business-purpose use is required. A hard credit inquiry may be required. Borrowing against real estate places the property at risk if payments are not made.
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