FHA Eligible Homes in Los Lunas

Find FHA eligible homes in Los Lunas, New Mexico. FHA loans offer low down payments, flexible credit requirements, and are perfect for first-time homebuyers.

Showing 188 listings in Los Lunas.

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$385,000

Discover exceptional design, quality craftsmanship, and effortless modern living in this newly built 2/3-bedroom, 2-bath home by Avalon Builders, ideally located in the highly desirable Rancho Valencia community of Los Lunas, minutes from I-25. Thoughtfully designed with an inviting open-concept floor plan, the home is filled with natural light and showcases a seamless blend of style, comfort, and functionality. The stunning chef-inspired kitchen is a true centerpiece, featuring high-end appliances, beautiful finishes, and generous workspace, while the spacious living and dining areas create an ideal setting for both everyday living and entertaining. Every detail has been carefully considered, from the elegant BR's and beautifully appointed BA's to the warm, welcoming spaces designed for relaxation. Quality finishes and contemporary design elements throughout create a home that feels both sophisticated and comfortable. Enjoy the convenience of being close to trails, shopping, dining, parks, and everyday amenities. Located on a culdesac lot in one of Los Lunas' sought-after communities, this gorgeous home offers the perfect combination of modern design, thoughtful craftsmanship, and an enviable lifestyle.

2
BEDS
2
BATHS
2,038
SQFT
0.23
ACRES
$275,000

Welcome to19 Pinon Ave! An exceptional value is coming to Los Lunas. This well-maintained 3-bedroom, 2-bath home offers 1,527 sq. ft. with a warm, inviting and highly functional floor plan. The kitchen opens directly to the main living area and features tiled countertops and a large breakfast bar, creating a comfortable gathering space for everyday living and entertaining.The backyard is a standout feature, with a huge covered patio overlooking a grassy yard, an expansive play area, additional storage and convenient backyard access from both sides of the property. Attractive xeriscaping provides great curb appeal while keeping the front yard low maintenance.Well cared for, move-in ready and aggressively priced at $275,000. Homes offering this much at this price point are getting harder to find.

3
BEDS
2
BATHS
1,526
SQFT
0.23
ACRES

Welcome to this inviting Los Lunas home, where thoughtful details and comfortable living come together. From the moment you arrive, the welcoming curb appeal sets the tone. Inside, raised ceilings create a bright, open feel in the living area, complemented by a fireplace that adds warmth and character. Rounded entryways add architectural interest, while built-in shelving offers a convenient place to showcase your favorite pieces. The home features a mix of laminate, tile, and carpet flooring, creating a balance of durability and comfort throughout. The kitchen is well equipped for everyday living with included appliances, a tile backsplash, and track lighting that adds a stylish touch. A separate laundry room provides additional convenience. The spacious primary suite offers plenty of comfort with a walk-in closet and ensuite bath featuring a double-sink vanity, separate shower, and garden tub. The roof was replaced approximately two years ago, adding peace of mind to the home's list of updates. Outside, the walled backyard provides privacy and plenty of room to enjoy the outdoors, with a covered patio and ceiling fan for added comfort, a dog run for pets, and a storage shed for extra outdoor storage. With its inviting interior, practical features, and spacious backyard, this Los Lunas home offers comfort, functionality, and a welcoming place to call home.

3
BEDS
2
BATHS
1,631
SQFT
0.17
ACRES

840 FIREWHEEL Loop SW, Los Lunas

Desert Sky Subdivision
$324,900

Welcome to this inviting home featuring an open floor plan with a gas log fireplace and a spacious living room with huge windows dressed in custom window coverings. The country kitchen is a dream, offering lots of cabinet space, granite countertops, a huge pantry, and a large island--perfect for everyday meals and entertaining. Storage is plentiful with three linen closets (two upstairs and one downstairs). The owner's suite is conveniently located on the main level and includes a private bathroom with a separate garden tub, shower, double sinks, and a large walk-in closet. Upstairs, you'll find two large bedrooms connected by a Jack-and-Jill bathroom with a garden tub, with both bedrooms offering granite countertops in their areas. Enjoy tile floors throughout the main living spaces and comfortable bedroom carpeting throughout the home--an ideal combination of style, function, and comfort. The location is conveniently located near shopping, restrants and easy access onto I-25.

3
BEDS
3
BATHS
1,861
SQFT
0.11
ACRES
$980,000

With so much to love about this property, I don't know where to begin. I could talk about the peaceful setting of this custom home with a large courtyard entry, oversized foyer, or the recently updated (May 2026) ProVia windows and doors. Custom features include the oversized hallway with barrel ceiling which leads to the bedrooms - did I mention there are 4? The primary suite includes it's own pellet stove, dressing area with a desk, large walk-in closet and 15.58X12.5 ensuite bathroom. How about the kitchen with a huge skylight over the island and the convenience of the adjacent dining area. Plus, the owner replace the stainless dishwasher, stove, and microwave approx. 2 years ago. You'll be ready for next years canning with a huge pantry and large utility closet. We could talk about the land! 3.1 acres and the back pasture is irrigated off the MRGCD canals. Did I mention the 23 fruit trees? The detached 3 car garage has 9' tall doors providing access for your big dually truck. Owner has a letter from FEMA (it's been recorded) stating that the property is NOT in a flood zone. Come enjoy the feel of rural Los Lunas without sacrificing the convenience of grocery stores, restaurants and other amenities and less than 5 miles to Los Lunas Railrunner.

4
BEDS
3
BATHS
3,620
SQFT
3.12
ACRES

1318 Tierra Verde Loop NW, Los Lunas

Inspiracion Subdivision Phase 2
$309,900

Welcome to this beautifully maintained home, ideally situated in a convenient and centrally located area! This inviting home offers a spacious open floor plan with a seamless flow between the living, dining, and kitchen areas, making it perfect for everyday living and entertaining. Step outside to enjoy the beautifully landscaped yard, complete with a convenient drip irrigation system for easy maintenance. Enjoy the beautiful mountain views this home has to offer, creating a peaceful and scenic backdrop. Additional features include a water softener and a reverse osmosis system in the kitchen.This well-cared-for home is truly move-in ready and waiting for its new owners. Don't miss the opportunity to make this beautiful property your new home!

2
BEDS
2
BATHS
1,052
SQFT
0.08
ACRES
$369,900

100% Financing / $0 Down loan program available to qualified buyers! Welcome home to this spacious 4-bedroom, 3-full-bath modular home offering approximately 2,305 sq ft on approximately 1 acre in Los Lunas. The split-bedroom floor plan provides added privacy, with the principal suite separate from the additional bedrooms. Enjoy an open-concept living area and spacious kitchen featuring a large center island, generous counter space, and an easy flow into the dining and living areas. Refrigerated air. Showings by Appointment Only.

4
BEDS
3
BATHS
2,356
SQFT
1
ACRES
$350,000

Nearly New, Move-In Ready & $10,000 Buyer Credit! Why wait to build when you can enjoy the benefits of a nearly new home today? Just two years young, this stylish Los Lunas home combines contemporary design, quality construction, and everyday comfort. The inviting open-concept layout features beautiful quartz countertops, a gas range, tile flooring, ceiling fans, window blinds, and generous storage throughout. Washer and dryer included! Built with quality 2x6 construction for enhanced insulation and energy efficiency, plus an installed solar panel system for additional energy-conscious living. Tinted windows on west side of home cut down heat and provide added privacy.Ideally situated in one of Los Lunas' growing communities, near major employers including Meta, Amazon, and Walmart, with convenient access to Albuquerque and expanding local amenities. Enjoy the appeal of modern living without the wait of new construction!

3
BEDS
2
BATHS
1,504
SQFT
0.12
ACRES

138 Bonita Loop, Los Lunas

Meadow Lake Subdivision
$270,000

Don't miss your chance to own this beautiful Brand New Home. Act now to take advantage of the $30,000 down payment assistance program before it's gone!Experience modern living in this brand new manufactured home, (soon to be placed) on a generous 1/4 acre lot. This thoughtfully designed home offers 4 spacious bedrooms and 2 full bathrooms, featuring contemporary finishes throughout. Enjoy an open floor plan, perfect for entertaining, with a dedicated service room for added convenience.The split primary bedroom boasts a walk-in closet and a spacious bathroom with a separate garden tub and shower. Stay comfortable year-round with refrigerated air!**Photos shown are of a model. Final details may vary based of final completion of home.

4
BEDS
2
BATHS
1,568
SQFT
0.27
ACRES

23 Hermanos Loop, Los Lunas

Replat Of Port Eastland Hills Subd
$309,900

**LIMITED TIME, eligible participants can receive up to $30,000 in assistance to purchase in Valencia County, with a down payment assistance program, consult with your lender for details. Welcome Home to this beautifully crafted property nestled in a peaceful and quiet community. Completely refreshed with new paint and new carpet throughout, this move-in-ready home offers effortless comfort from day one, complete with all kitchen appliances and a washer and dryer. From the moment you arrive, the charming curb appeal sets the stage. Inside, the sun-filled open layout connects a spacious living area to a bright kitchen with ample cabinet storage and a pantry--perfect for daily meals and weekend gatherings alike.The upper level features a versatile loft ideal for a home office, playroom, or secondary lounge. Your primary suite provides a peaceful escape with a large closet and private bath, while two additional bedrooms and a dedicated laundry room ensure everyone has their own space.**Some images in this listing have been virtually staged.

3
BEDS
3
BATHS
1,745
SQFT
0.1
ACRES

Beautifully remodeled 3-bedroom, 2-bathroom home in a prime location! This move-in-ready home offers a spacious open-concept floor plan with a welcoming flow between the living room and kitchen area. The home has been thoughtfully updated with new flooring, appliances, windows, and a brand-new roof with warranty, providing both style and peace of mind.Outside, you'll find a shed for additional storage along with plenty of space for your toys, vehicles, or recreational equipment. With its new updates, functional layout, and desirable location, this home is ready for its new owners. Whether you're looking for a comfortable place to call home or a property with room to enjoy the outdoors, this one is worth seeing. Don't miss your opportunity to make this beautiful home yours!

3
BEDS
3
BATHS
2,078
SQFT
1
ACRES
$300,000
-$1,500

Situated on a desirable corner lot next to walking trails, this home combines the location convenience of easy commuting, functionality, and low maintenance living all wrapped up in one. The kitchen features a granite island/breakfast bar, stainless steel appliances, and ample workspace for everyday living and entertaining. Enjoy 9-foot ceilings and tile flooring throughout the main living areas. A gated courtyard entry adds privacy and security while creating a welcoming outdoor space. Additional upgraded features include a Culligan water softener, storm glass entry door, oversized garage and xeriscape landscaping. This home also qualifies for the $30,000 grant! Come and see this turn key ready home today!

3
BEDS
2
BATHS
1,162
SQFT
0.1
ACRES

Bring your horses! This two-story home offers space, comfort, and privacy on 1.34 acres with water rights. The 4,384 sq ft residence is surrounded by mature trees and lush landscaping, creating a peaceful, private setting on a secluded road with convenient access to town. Inside, enjoy expansive living areas, a spacious living room, formal dining, and an open kitchen built for entertaining. A dedicated office and oversized playroom add flexibility for work and lifestyle needs. The primary suite is located on main level for added comfort. Outside features a 30x40 insulated shop with bathroom and an extended lean for RVs, boats, or equipment.

4
BEDS
4
BATHS
4,384
SQFT
1.34
ACRES
$463,415
+$29,175

Experience modern living in the spacious 2,180 sq. ft. Alameda floor plan, meticulously designed to meet the needs of today's families. The luxurious primary suite serves as a peaceful retreat, featuring elegant tray ceilings and a roomy walk-in closet. The en suite bathroom transforms everyday routines into a spa-like experience. The included flex room offers endless possibilities, perfect for a home office, playroom, or guest space, allowing you to customize the home to fit your lifestyle. Prices and incentives are subject to change without notice, and the listed home price may already reflect all or a portion of the available incentive.

5
BEDS
3
BATHS
2,180
SQFT
0.23
ACRES

20 Bravo Road, Los Lunas

Replat Of Port Eastland Hills Subd
$429,900

ASK ABOUT THE VALENCIA COUNTY 30,000 deferred no interest down payment! New Construction with an attached Casita/ADU! Thoughtfully designed with a well planned floor plan and great flow, this custom built home offers comfortable and versatile living space on an oversized corner lot. The main home features 3 bedrooms and 3 bathrooms, while the separate casita offers an additional bedroom, bathroom, and kitchenette space. The flexible layout creates an ideal setup for adult children, aging parents, multigenerational living, co living, guests, or added investment potential while still allowing everyone to enjoy their own private space. A gate and block wall will be added, creating additional privacy and a spacious backyard ready to make your own. With 4 total bedrooms, 4 bathrooms, separate living spaces, this new construction offers a unique combination of functionality, flexibility, and long term value. Fencing will be built to enclose yard, and may be semi customized with reasonable offer.

4
BEDS
4
BATHS
2,257
SQFT
0.18
ACRES

Only 1 1/2 year old beautiful 4 BR, 2 BA Richmond American Built home with a charming covered entryway, open floor plan, featuring a kitchen with a granite center island. It includes a large dining area to with a very large open space, center-meet doors overlooking an outdoor covered patio. It proved a large primary bedroom includes a generous walk-in closet and a private bathroom. The extra bedroom may be used as an office/study. It comes with a 2 car garage with plenty of space for storage.

4
BEDS
2
BATHS
1,740
SQFT
0.21
ACRES

2813 Highway 47, Los Lunas

Land Of Amir Bhanji And Rozina Bhanji
$205,000

Enjoy the freedom of country living at 2813 Highway 47! Situated on nearly an acre, this property offers plenty of room to spread out, enjoy the outdoors, and create a space that fits your lifestyle. With an open setting and a little breathing room between you and the neighbors, you can enjoy peaceful New Mexico living while still having convenient access to Los Lunas and surrounding areas. The generous lot provides possibilities for outdoor entertaining, gardening, additional parking, recreational vehicles, or simply enjoying the extra space and wide-open feel. If you've been looking for an affordable opportunity to get away from the typical neighborhood setting and enjoy a little more land, this home is worth a look! A detached two-car garage provides plenty of space for vehicles, storage, a workshop, or hobbies. Adding even more potential, the property also features an existing billboard, offering an additional income opportunity for the new owner.

3
BEDS
2
BATHS
1,521
SQFT
0.88
ACRES

240 Rio Chama Circle SW, Los Lunas

Jubilee Subdivision Phase I
$280,000

Discover comfortable living in this well-maintained Los Lunas home featuring 2 bedrooms and 2 bathrooms. The property offers a 2-car garage, attractive landscaping, a covered outdoor patio, and a fully enclosed backyard that provides a private space for relaxing or entertaining. Inside, the home features a mix of tile, carpet, and luxury vinyl flooring, ceiling fans, and refrigerated air. The kitchen comes complete with appliances and a decorative tile backsplash. A dedicated laundry room adds convenience. The primary bedroom features a walk-in closet and an attached bathroom with a walk-in shower. With its functional layout, inviting outdoor space, and desirable amenities, this home is ready for its next owner.

2
BEDS
2
BATHS
1,407
SQFT
0.1
ACRES
$275,000

Charming, well maintained home with Manzano Mountain views, an inviting open floor plan, and valuable energy efficient upgrades. The updated kitchen features modern countertops and stainless steel appliances, while warm, neutral tones create a comfortable and welcoming living space. Bathrooms have been tastefully refreshed with updated vanities, mirrors, and lighting. Enjoy the potential for lower electric costs with fully paid off solar panels, plus a recently installed 220-volt EV charger in the garage. A great combination of comfort, style, energy efficiency, and modern convenience. Don't delay, schedule your private showing today!

3
BEDS
2
BATHS
1,291
SQFT
0.14
ACRES

Timeless brick, incredible views, and a backyard that feels like your own private oasis. Tucked into a quiet hillside cul-de-sac, this home welcomes you with a front porch overlooking the Rio Grande Valley and beautiful Manzano Mountain views. Inside, you'll find a spacious kitchen with plenty of storage, an inviting living room with a fireplace, three generously sized bedrooms, plus an office with the flexibility to serve as a fourth bedroom. Updated bathrooms add a fresh, modern touch throughout. Step outside to a backyard made for relaxing and entertaining, complete with a large covered patio, and desirable side-yard access. An oversized two-car garage and additional storage shed provide plenty of room for vehicles, toys, tools, and all the extras. Peaceful hillside living with shopping, dining, schools, entertainment, and freeway access just minutes away. This home also offers Solar that will be paid off at closing with acceptable offer.

4
BEDS
2
BATHS
2,207
SQFT
0.44
ACRES
$304,999

DON'T MISS THIS OPPORTUNITY!! $30,000 FOR DOWNPAYMENT ASSISTANCE, LOW RATE for qualified buyers, CLOSING COSTS, PRICE, ETC. Ask for details. Welcome home to Los Lunas living. Light, bright, and open, on a beautiful lot, takes full advantage of the surrounding views and extra breathing room from neighbors. Inside, the single-story layout offers 3 spacious bedrooms and 2 well-appointed baths, giving everyone their own space while keeping the main living areas open and connected. The kitchen features stainless-steel appliances, making it a great spot for everyday cooking or hosting family gatherings after a Friday night game or a quick drive back from Albuquerque, Kirtland AFB. Easy-care tile flooring runs through most of the home. This newer built home is a gem you don't want to miss out on. Schedule your appointment today.

3
BEDS
2
BATHS
1,162
SQFT
0.08
ACRES

4949 Osha Peak Street SW, Los Lunas

Vista Manzano Phase 2 At Sierra Vista
$455,200

Introducing the ''Jane'' floor plan, a single-story haven designed with an open concept, perfect for those who love to entertain. The heart of this home is a versatile work center, serving as an ideal 'drop zone' for mail and keys while doubling as a functional workspace. For added convenience, the work center can be transformed into an optional powder room. The plan boasts a primary suite with an oversized shower, a buffet in the dining area, and an expansive covered patio. Additionally, a tandem garage offers flexibility for conversion into a versatile flex space. In honor of Jane Addams, this home embodies a spirit of community and functionality.

3
BEDS
3
BATHS
2,164
SQFT
0.14
ACRES

824 GALLAHAD Street SW, Los Lunas

Camelot Subdivision B-5-29
$304,000
-$5,000

**LIMITED TIME, eligible participants can receive up to $30,000 in assistance to purchase in Valencia County, with a down payment assistance program, consult with your lender for details. Welcome Home to this charming 3-bedroom, 2-bathroom Los Lunas home, freshly updated and packed with potential! Step inside to find fresh interior paint in a crisp neutral tone throughout, new ceiling fans, blinds, neatly painted baseboards and interior doors, and classic Saltillo tile flooring through the main living areas. The light-filled layout features an oversized living room and an inviting country kitchen complete with a brand-new stainless steel gas range, range hood, and a new kitchen sink with faucet. Highlighted by an attached workshop/office with built-in cabinetry, lighting, and a separate entrance, this floor plan provides endless flexibility for remote work, hobbies, or a home business. Outside, the front yard is fully fenced. The large, oversized backyard features privacy fencing, an open patio, a separate storage shed, and rare drive-in access--ideal for parking an RV, boat, or work trailers. Situated in an established neighborhood with convenient access to schools, local shopping, and the freeway, this move-in-ready property offers a solid foundation with room to personalize and build equity! Some images in this listing have been virtually staged.

3
BEDS
2
BATHS
1,509
SQFT
0.19
ACRES

1517 Tierra Verde Loop NW, Los Lunas

Inspiracion Subdivision Phase 3
$295,000

$5,000 Buyer closing cost credit! Light, bright, and beautifully maintained, this DR Horton Citrine floorplan was built in 2022 and still feels practically new! A private courtyard entry welcomes you into a spacious, open-concept design with high ceilings, designer two-tone paint, and ceramic tile throughout the main living areas. The kitchen features granite countertops, a large island, generous pantry, and plenty of space for gathering and entertaining. The flexible third bedroom, located just off the living area, features double doors and also makes an ideal home office or study. Enjoy carpet in the bedrooms, refrigerated air, ceiling fans, a TPO roof, hardwired smoke and carbon monoxide detectors, and a covered patio overlooking the private backyard. All appliances are included, along with the garage door opener. Located in Inspiracion with parks, open space, and miles of paved trails nearby, plus convenient access to shopping and I-40.

3
BEDS
2
BATHS
1,185
SQFT
0.08
ACRES

Rare opportunity to secure a brand NEW home on a full acre in the Los Lunas valley! This 2027 home will feature 5 bedrooms, 3 bathrooms, and a spacious open floor plan designed for comfortable everyday living and entertaining. Located on the West side of Los Lunas near Los Lunas High School and Katherine Gallegos Elementary school, you'll have room to spread out both inside and out. Bring the horses, RVs, trailers and toys, or simply enjoy the freedom of having a full acre to make your own. The home's completion is soon approaching, giving you the opportunity to secure it now with anticipated completion toward the end of October. Imagine settling into your brand new home just in time to host holiday gatherings! At $375,000 for a new 5-bedroom home on a full acre, with a great location, this is an opportunity that's rare to find! *photos are of model home. Actual home's kitchen cabinets are light wood tone. Photos to be updated the week of 9/28.*

5
BEDS
3
BATHS
2,027
SQFT
1
ACRES

882 Avenida Pastoral NW, Los Lunas

Las Avenidas De Los Cerritos
$329,000

Beautiful 3-bedroom, 3-bath home on a generous lot featuring a fully paid-off $60,000 solar system with no loan to assume. Enjoy lower utility costs, ample garage storage, and a functional floor plan in a convenient Los Lunas location. NEW ROOF DEC 2025!

3
BEDS
3
BATHS
1,743
SQFT
0.13
ACRES

4320 Sundance Street SW, Los Lunas

Jubilee Subdivision Phase 2c
$335,000

Once you enter this immaculate, well-maintained home, you will know that you are home. Open concept. Wide hallways and doorways. Easily allowing wheelchair access. Electric fireplace. LVP throughout the home. Comfortable living and dining areas. Kitchen designed for many to participate. These homes were designed with easy accessibility for all. Beautiful bathrooms. Exceptional views from the backyard. A rare opportunity to relax watching the Sandia and the Manzano mountains at sunset.

2
BEDS
2
BATHS
1,650
SQFT
0.26
ACRES

2212 Calle De Silverio SW, Los Lunas

Replat Of Sun Ranch Village
$330,000

Welcome to this charming Southwest-style home nestled in a gated community. This beautiful residence features three bedrooms, two baths, and a two-car garage, with ceramic tile flooring throughout. The home's distinctive Southwest character is highlighted by raised beam ceilings, traditional vigas and nichos, and a cozy kiva wood-burning fireplace that creates a warm and inviting atmosphere.The flowing floor plan offers comfortable living spaces and plenty of Southwest charm. Enjoy outdoor living in the beautiful, low-maintenance backyard, perfect for relaxing or entertaining. A new refrigerated air conditioning system installed in 2025 provides year-round comfort.With quick and easy access to I-25 and close proximity to shopping, dining, and other city conveniences, this home perfectly combines Southwest style, comfort, privacy, and convenience.

3
BEDS
2
BATHS
1,625
SQFT
0.14
ACRES

1220 Blanca Avenue NW, Los Lunas

Sierra Vista De Los Cerritos Phasii
$599,900

***Seller's existing VA loan may be assumable by a qualified buyer.***Beautifully maintained custom home in Los Lunas offering 4 bedrooms and 4 bathrooms with the space, quality and thoughtful details that set a custom-built home apart. The inviting floor plan features generous living and entertaining areas while maintaining a comfortable, welcoming feel throughout. Upstairs, the spacious loft with wet bar is ideal for a game room, media room or additional entertainment space. Pride of ownership is evident throughout this exceptionally well-kept home. Conveniently located just minutes from I-25, providing easy access and a convenient commute to Albuquerque. A wonderful opportunity to own a distinctive custom home offering quality, space and versatility.

4
BEDS
4
BATHS
3,654
SQFT
0.19
ACRES

4784 Manzano Peak Street SW, Los Lunas

Vista Manzano Phase 1 At Sierra Vista
$470,990

Welcome to Vista Manzano, a vibrant community located in Los Lunas, NM. Here, we pride ourselves on offering our homebuyers a wide selection of our most sought-after floor plans, many of which feature the added convenience of a 3-car option, providing ample space for families and their vehicles.Proposed Listing: Pictures included are of the Model Home, which has several upgrades. Pricing reflects the base pricing.

3
BEDS
3
BATHS
2,303
SQFT
0.22
ACRES
Daria Derebera Realtor

Daria Derebera

Real Estate Broker in Albuquerque, NM

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Some of the information contained herein has been provided by SWMLS, Inc. This information is from sources deemed reliable but not guaranteed by SWMLS, Inc. The information is for consumers’ personal, non-commercial use and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing.