FHA Eligible Homes in Rio Rancho
Find FHA eligible homes in Rio Rancho, New Mexico. FHA loans offer low down payments, flexible credit requirements, and are perfect for first-time homebuyers.
Showing 505 listings in Rio Rancho.
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Highly desirable and rarely available end unit in a 55+ community, featuring a spacious backyard and exceptional flexibility. This move-in-ready home offers a NEW roof (3/2025) and new water heater (7/2025), with refrigerator included. Beautiful vaulted ceilings and a cozy fireplace highlight the inviting living area, which opens to a covered patio--perfect for relaxing or entertaining. The oversized laundry/hobby/craft room provides abundant space and could easily serve as a home office or potential third bedroom. An additional enclosed patio room features a charming kiva wood-burning fireplace and offers endless possibilities as a library, office, fitness room, spa, or creative retreat. Complete with a 2-car garage, this unique end unit offers extra space, versatility, and a wonderful indoor-outdoor lifestyle.
3336 Lockerbie Drive SE, Rio Rancho
Major 2026 improvements and upgrades make 3336 Lockerbie Drive an exceptional purchase opportunity! All upgrades completed for 2026; furnace, refrigerated air system, water heater, garage door opener, kitchen sink and faucet. The refreshed kitchen also features painted cabinetry, updated hardware, new 2026 appliances and a white subway tile backsplash. Two secondary bathrooms have been beautifully remodeled with custom finishes. This spacious 3 bedroom, 3 bath home offers 2,015 square feet, plus a second living area or flexible space upstairs. The contemporary, low maintenance backyard includes concrete, gravel and a covered patio with retractable shades. With an acceptable offer, the seller will pay off the solar loan and provide a $5,000 flooring credit. two exceptional incentives that add immediate value and peace of mind.
INCREDIBLE INTEREST RATE OPPORTUNITY. Seller offering 1% credit towards rate buy down, closing costs, or prepaids regardless of lender. Use Cottonwood Mortgage for an additional 0.90% + $600 appraisal credit. That's up to 1.90% in incentives + $600 towards appraisal fee.Rare Main-Level Primary Suite + Owned Solar Panels. Beautifully updated and spotlessly clean. This is a Loma Colorado gem. Upon arrival you will notice the 3-car garage w electric car charger, Spanish tile roof, stacked stone, and manicured front lawn. Once inside, this home continues to impress. The main floor has been upgraded with new flooring, new white cabinets in the kitchen and laundry room, white quartz countertops, and white backsplash. New 6-inch baseboards and light fixtures. This is one of few Loma Colorado models with a master on the main floor. Upstairs features newer carpet & huge loft!! 4 bedrooms upstairs and 2 full bathrooms leaves enough room for everyone. The attention to detail in this house is breathtaking. The neighborhood features parks, walking trails, and a lookout. Close to Intel.
1355 Rio Rancho Boulevard SE APT B, Rio Rancho
Updated, Charming 1-bedroom condo in Golden West Patio Apartments offering clean, low-maintenance living in a convenient Rio Rancho location. Fresh paint, new fixtures updated bath, and new vinyl flooring create a move-in-ready space. Open living and dining layout with kitchen appliances included. Enjoy well-kept landscaping, an enclosed community pool, and on-site laundry facilities. Ideal for retirees, investors, or anyone seeking an affordable, easy-care unit close to Intel, shopping, and services. Vacant and easy to show
Go through the gate in the back privacy fence and see your 'Secret Garden'.A climate-controlled sunroom featuring a built-in wet bar lets you enjoy outdoor views year-round in total comfort. Step outside to a spacious backyard with direct gate access to a quiet neighborhood park--creating a seamless indoor-outdoor lifestyle. For moments of stillness, a dedicated, finished meditation studio offers the ultimate private escape, while an integrated SOLAR system delivers modern energy efficiency and year-round savings.Enjoy the perfect blend of serenity and convenience, located just minutes from local shopping, dining, and a quick 8-minute commute to Intel.Don't miss your opportunity to own this New Mexico paradise where modern living meets natural beauty. Call today to schedule your private tour!
Welcome to 54 Acadia Court SE, where comfort, functionality and stunning Sandia Mountain views come together in one convenient location! This beautifully maintained home offers NO HOA, a spacious floor plan and an impressive list of recent upgrades. Featuring three bedrooms, two bathrooms, a separate dining room and two inviting living areas, there's plenty of space to relax, entertain and enjoy easy indoor-outdoor living. The kitchen has been refreshed with recently painted cabinets (2026), new flooring (2026 - completely replaced with the same type), a new sink (2026) and a stainless steel refrigerator and stove (2025). Additional major improvements include a new roof (2025), refrigerated air and furnace (2025) and water softener (2025), new shed roof and paint (2026) and painted cabinets in the primary bathroom (2025). When you aren't enjoying all this home offers indoors, step outside to your own backyard retreat and take in the spectacular Sandia Mountain views. The backyard features a new pergola and outdoor furniture (in 2025, both yours to keep!!), creating the perfect setting for your morning coffee or tea, evening gatherings or simply enjoying the beautiful New Mexico sunshine and sunsets. Backyard access and a shed with new shingles (2026) provide convenient storage for all your outdoor gear, tools and toys. With thoughtful updates, versatile living spaces, mountain views and no HOA, this home offers an exceptional blend of comfort, convenience and New Mexico charm. Come see all that 54 Acadia Court SE has to offer and make this beautiful house your next home!
Discover effortless Southwest living in this single-story home designed for comfort and lasting savings, surrounded by stunning mountain views.Step through a charming courtyard entry into a bright, open floor plan where living, dining, and kitchen spaces flow seamlessly together. The heart of the home features a spacious kitchen with rich cabinetry, granite counters, a large center island with seating, stainless appliances, and a walk-in pantry. It opens directly to the living room, highlighted by a beamed ceiling, a classic Southwestern kiva-style fireplace, and views to the outdoors.The primary suite offers a peaceful retreat with a two generous walk-in closet and a private bath complete with dual sinks, a soaking tub, and a separate shower. Two additional bedrooms provide flexible space for family or guests, while a dedicated office (or fourth bedroom option) with a sliding barn door adds functionality for remote work or hobbies. A convenient laundry room, workshop area, and ample storage complete the practical layout.Outside, a covered patio invites year-round entertaining with ceiling fans, outdoor dining space, and panoramic mountain views that stretch across the desert landscape. Low-maintenance xeriscaping and a private backyard create a peaceful retreat with room to relax or gather.Exceptional value comes standard: An owned solar system (purchased by the current owners for over $15,000) transfers with the home at no additional cost. Recent utility records show dramatically reduced electric bills--averaging just $8.25 per month in 2023, $5.50 in 2024, $15.76 in 2025, and $18.36 for the first half of 2026--compared to typical costs of $180-$260 for similar homes without solar. The Property Improvement District (PID) assessment is also fully paid off.This is a rare opportunity to own a thoughtfully designed home that combines modern comfort, stunning views, and real long-term savings.
House is currently rented. House will have a professional cleaning upon sale. The carpet will be fully replaced. The linoleum flooring will be replaced. Owner is open to discuss floors, or other areas of the home for modifications or changes. Owner open to negotiate.
Modern design, thoughtful upgrades, and exceptional convenience come together in this 2025 Pulte Parklane, located in the new Los Diamantes community! This single-story home offers 3 bedrooms plus a versatile flex room with glass French doors and a 3-car tandem garage. Flowing natural light, large picture windows, a neutral color palette, plank-style tile flooring, sleek hardware, and clean architectural lines create a bright, contemporary feel throughout. The open-concept living, dining, and kitchen areas are anchored by a stylish gas fireplace, while the chef-inspired kitchen features Whirlpool stainless steel appliances, an oversized island, abundant cabinetry with custom pull-out shelves, and generous prep space. The spacious primary suite offers a large walk-in closet and beautifully appointed en-suite bath. Integrated smart-home technology provides convenient phone and voice control of select lighting, ceiling fans, HVAC, and even the backyard water feature. Step outside to a professionally landscaped backyard featuring an expansive covered patio, extended concrete entertaining area, tranquil water feature, premium turf, and a gas hookup ready for your grill or future outdoor kitchen. Ideally located minutes from Presbyterian Rust Medical Center, Market Street, Dutch Bros, M'tucci's, parks, shopping, dining, and everyday conveniences, with the future 65-acre Village at Rio Rancho mixed-use development nearby. Contemporary style, smart-home convenience, exceptional outdoor living, and a prime location. All ready to enjoy from day one. Come experience the difference!
If you enjoy viewing the Balloons from your own home, check out this beautiful property. Better yet, if you fell in love with NM during Fiesta, schedule your showing now! Welcome home to 3324 19th Avenue! Step through the front door into a bright, open layout where the living, dining, and great room flow togethe, plenty of room to gather, entertain, and celebrate. Just off the great room, a private office with French doors makes an ideal 4th bedroom, home workspace, or study. The beautifully renovated kitchen shines with granite countertops and crisp white cabinetry, and the updated bathrooms carry the same fresh, modern feel. Fresh carpet and paint in 2026 give the great room area a move-in-ready glow. Owned solar panels keep energy costs low while powering comfortable refrigerated air conditioning all summer long. Out back, you'll find a standout finished garage building of more than 700 square feet, perfect for a workshop, studio, gym, or extra storage. The entire back property is covered in mulch to keep weeds and goatheads at bay, and convenient backyard access opens up endless possibilities for projects, toys, or expansion. Lots of trees, including pecan, persimmon, apricot, granny smith apple and pear. Mountain views greet you from several spots around the property, including the kitchen sink and the office. Balloon Fiesta views are like none other! Inside, the oversized laundry room offers abundant storage and a stackable washer and dryer, and all appliances convey. Best of all, you're just moments from Haynes Park (favorite of the Seller), Intel, Rust Medical Center, and plenty of shopping and dining.
Highlights of the impressive Raleigh plan include an open dining area, a great room with center-meet doors leading onto a relaxing covered patio and a thoughtfully designed gourmet kitchen with a walk-in pantry. You'll also appreciate a central laundry and four generous bedrooms, including a stunning primary suite showcasing a spacious walk-in closet and a private bath with double sinks. You'll love our professionally curated fixtures and finishes
Highlights of the impressive Raleigh plan include an open dining area, a great room with multi-slide doors leading onto a relaxing covered patio and a thoughtfully designed gourmet kitchen with a walk-in pantry and separate dining area. You'll also appreciate a central laundry and three generous bedrooms, including a stunning primary suite showcasing a spacious walk-in closet and a deluxe private bath with double sinks. You'll love our professionally curated fixtures and finishes
BIG SPACE. BIG STYLE. BIG RIO RANCHO LIVING! Welcome to a home built for living large! With 4 bedrooms PLUS an office, 3 bathrooms, and a 2-car garage, there's room for everyone, everything, and maybe even that hobby you've been putting off! Wood-look tile brings serious style to the living areas, while cozy carpet keeps the bedrooms comfortable. The kitchen is ready to rock with granite countertops and stainless steel appliances. Outside, the xeriscaped front and backyards keep maintenance low, with automatic sprinklers doing the heavy lifting. Close to V. Sue Cleveland High School, Willow Creek Trailhead, parks, shopping, and dining. This isn't just a house--it's your next headquarters for epic Rio Rancho living!
Step into a home designed for comfortable living and ultimate versatility! The heart of this home is a impressively large living room that offers endless options for entertaining or simply relaxing. Adjacent to the main area, a dedicated flex room easily adapts to your lifestyle whether you need a dedicated work-from-home office, a second living area, or a playroom. Come see this amaziong home today!The primary suite serves as a spacious sanctuary, large enough to comfortably accommodate king-sized furniture with room to spare. Outside, step onto an expansive lot featuring a huge backyard with endless potential for outdoor living, gardening, or weekend get-togethers. As an added bonus, the outdoor storage shed stays with the home, giving you all the extra room you need for tools, lawn equipment, and seasonal gear. Conveniently located near local amenities, shopping, and major commuter routes, don't miss out on this incredible opportunity!
Welcome to this charming 4-bedroom, 2.5-bath home in the sought-after Enchanted Hills neighborhood! This inviting two-story home features an open floor plan with a spacious family room flowing into the dining area and kitchen, complete with a large island offering generous prep space and views of the expansive fenced backyard. A versatile bonus room and convenient powder room are located just off the kitchen. Upstairs, the spacious primary suite features an en-suite bath, while two additional bedrooms share a full bath.Enjoy beautiful drive-up views of the Sandia Mountains and the peaceful surroundings Enchanted Hills is known for. Recent updates include fresh interior paint, new blinds, a new water heater (2025), new EV charger (2025), expanded back patio, and a newer shed (2024). The home is also enrolled in a PNM program offering lower electricity rates during certain times of day/night. Conveniently located near shopping, dining, and an easy commute to nearby military installations, this home offers comfort, functionality, and a wonderful location.
This floor plan includes flexible living spaces and an open-concept design that make it perfect for busy days, relaxing evenings, and everything in between. From the moment you walk in, you'll feel right at home. The open kitchen, great room, and dining configuration create the ideal environment for entertaining. Flex room may be used as a game area, private study, 4th bedroom, and more The secluded owner's suite features dual vanities, a separate toilet room, and a spacious walk-in closet Secondary bedrooms and adjacent bath are tucked in a private hallway off the main entry Choose from options such as a 4th bedroom, a stunning 3-panel stacking door in the great room, an authentic barn door or convenient patio access in the master suite, and a variety of outdoor living selections 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.
Private pool, a backyard built for entertaining, and Sandia Mountain views from the front of the home -- this Corrales Heights property delivers the lifestyle buyers are searching for. Out back, fire up the built-in grill and pizza oven in your own private oasis, perfect for weekend gatherings. Out front, take in sweeping views of the Sandia Mountains and city lights.Inside, Saltillo tile floors and a fireplace bring warmth to the living space, while the den with a wet bar is made for hosting. Three bedrooms, two and a half baths, plus a private office with its own separate entrance give this home real flexibility for work-from-home life.Parks and walking trails sit right across the street, putting you close to everything Corrales offers while still feeling tucked away and peaceful.Pool (with custom designed cover!), mountain views, pizza oven, private office -- homes with this combination don't last. Schedule your showing today.
The popular Hemingway plan greets guests with a charming covered front porch. The main floor boasts a formal living room, an inviting great room and an open dining room that flows into a gourmet kitchen with a center island and adjacent mudroom with walk-in pantry. On the second floor, you'll find a central laundry, a versatile loft and four generous bedrooms, including a lavish primary suite with an oversized walk-in closet and deluxe bath.
Welcome home to this beautifully maintained 3-bedroom, 2-bathroom single-story residence situated on a generous 0.23-acre lot. The inviting floor plan features a bright living room with vaulted ceilings that flows seamlessly into the kitchen and dining area, creating the perfect space for everyday living and entertaining. The kitchen offers ample cabinet and counter space, a center island, and stainless steel appliances. The private primary suite provides a comfortable retreat with an en-suite bathroom, while two additional bedrooms and a full guest bath offer flexibility for family, guests, or a home office. Outside, the oversized lot provides plenty of room to relax, garden, or create your ideal outdoor living space. The HOA handles front yard landscaping, irrigation, and routine maintenance, offering added convenience and ease of ownership. Don't miss this opportunity to own a well-cared-for home featuring a brand new roof and refrigerated air! Schedule your private showing today!
Welcome to this beautiful and thoughtfully designed home offering comfort, flexibility, and a peaceful outdoor retreat. The spacious primary suite is conveniently located on the main level, while high ceilings and walk-in closets in every bedroom add to the home's appeal and functionality.Upstairs, a large loft provides endless possibilities. Use it as a home office, second living area, kids' playroom, or transform it into an additional bedroom. The loft also offers direct access to the second-story balcony, where you can relax and enjoy beautiful mountain views.The backyard is truly a private retreat, featuring a covered patio, gazebo, and peaceful water fountains that create a tranquil atmosphere, perfect for relaxing or entertaining. Refrigerated air provides year-round comfort.Conveniently located near Rust Medical Center, Lovelace Westside Hospital, Cottonwood Mall, shopping, and an abundance of restaurants and dining options, this home combines peaceful living with easy access to everything you need.
Bring your vision and handy skills to this spacious home on a generous half-acre lot in a peaceful western Rio Rancho setting! Offering plenty of potential to renovate, personalize and create a home that truly reflects your style, this property is an exciting opportunity for buyers ready to roll up their sleeves and make it their own.HUD-Owned Home - Equal Housing Opportunity. Managed by Raine & Co. HUD Case #361-346720. HUD $100 down payment special available for all FHA-financed buyers! This property is listed IE - Insurable with Escrow - final financing eligibility subject to buyer's appraisal. This means that the home likely needs less than $10,000 in repairs in order to meet FHA's minimum property standards. If a buyer obtains FHA 203(B) financing they can borrow up to $10,000 more than the purchase price to be escrowed by their lender and paid to a licensed contractor approved by buyer's lender after closing to complete repairs to meet FHA minimum property standards. Buyers may also take advantage of FHA 203(K) renovation financing. This is a financing option for buyers to borrow more than the purchase price to affordably finance in all renovations / repairs not just limited to items to meet minimum property standards! Work must be performed post-closing by licensed contractors approved by buyer's mortgage company. Buyer remains responsible for earnest money, utility activation costs and applicable closing costs even when utilizing the FHA $100 down payment special. HUD homes are sold AS-IS, WHERE-IS, WITH ALL FAULTS. HUD will not make repairs or provide payment/credit for repairs prior to closing for any reason. Buyers are strongly encouraged to obtain independent professional inspections. A Property Condition Report (PCR), Environmental Compliance Record (ECR) and Property Listing Disclosure (PLD) are available for informational purposes only but are not substitutes for buyer's professional home inspections.Utility Turn-Ons: With an accepted bid, buyer is responsible for all costs associated with activating utilities for inspections/appraisal (such as plumbing mercury tests where applicable and all utility company expenses). Utility activation requires prior approval from HUD's Field Service Manager. If water line does not hold pressure in the PCR/PLD, buyer will not be permitted to put the water on. All bids must be submitted directly through the HUD Home Store website by HUD-approved brokers only. Not all real estate professionals are HUD-approved brokers, process to become approved can take up to 3 months to get set up. Bids are a closed-bidding process meaning that listing broker will not have knowledge of existence nor terms of any bids placed.
Perched high above Rio Rancho on a spacious half-acre lot, this 2,630-square-foot custom home delivers the kind of views that never get old. From glowing city lights at night to sweeping Sandia Mountain vistas, the setting is one of the home's standout features. Inside, the thoughtful custom design gives the home plenty of character, with architectural nichos, curved details, wide hallways, and an open, comfortable floor plan built for both everyday living and entertaining. The spacious kitchen opens directly to the main living area and features granite countertops, stainless steel appliances, abundant cabinetry, and wraparound bar seating that creates a natural gathering place. The outdoor living space is just as impressive. A massive covered patio with approximately 12-foot ceilings provides plenty of room to relax, entertain, dine outdoors, or simply enjoy the view. Beyond the patio, the oversized lot offers room to create the backyard you've been envisioning. One of the home's most unique features is the flexible second primary suite/in-law quarters with its own private entrance. The space could work beautifully for extended family, guests, a private office, studio, or other live/work arrangement.
Located in the desirable Northern Meadows Subdivision, 348 Soothing Meadows Dr NE offers 2,158 square feet of well-maintained living space with 3 bedrooms and 2.5 bathrooms, a loft, open floorplan and balcony perfectly positioned to capture beautiful views of the Western Sunsets. This thoughtfully cared-for home welcomes you with a functional layout designed for comfortable everyday living and easy entertaining. The spacious living areas flow seamlessly, while the windows invite natural light. The kitchen, dining and breakfast spaces provide the ideal setting for gatherings, and the generous bedrooms offer flexibility for family, guests, or a home office. Well kept, newer tile flooring, newer fixtures and move-in ready, this home presents an excellent opportunity for new owners looking for comfort and a prime location in Rio Rancho.
Welcome to this beautiful 3-bedroom, 2-bath home in the sought-after Cleveland Heights community of Rio Rancho. Designed for comfortable living and effortless entertaining, this inviting home features an open-concept floor plan with an abundance of natural light throughout. The spacious living areas flow seamlessly into the kitchen and dining spaces, creating a warm and welcoming atmosphere for everyday living or hosting guests. The home also offers the benefits of solar, providing an energy-conscious feature for today's homeowner. Step outside to an inviting backyard designed for relaxation and enjoyment. With thoughtful backyard upgrades and a private hot tub, this outdoor space is perfect for unwinding after a long day, enjoying morning coffee, or entertaining friends and family. Centrally located, this home offers a wonderful combination of comfort, style, outdoor living, and community. Don't miss the opportunity to make this beautiful Cleveland Heights home your own!
Welcome to this charming home full of character and warmth. Featuring 3 bedrooms and 2 bathrooms, this inviting property offers a cozy and comfortable layout that feels instantly welcoming the moment you step inside.This home showcases vaulted ceilings in the living room and dining room. The living spaces are warm and inviting, perfect for relaxing evenings or gathering with family and friends.With three versatile bedrooms, there is plenty of room for family, guests, a home office, or creative space.If you're looking for a home with personality, comfort, and charm, this property is a must-see.The home had a new TPO roof installed in 2024. Also has refrigerated air for these hot summer days.
Welcome to River's Edge. Ask about the seller's point buy-down offer! This well maintained, freshly painted home has updated kitchen appliances, a breakfast nook and a full dining room flowing into a large living room and then on to the ample bedrooms. Plumbing has been updated to remove Polybutylene water lines. Newer roof, HVAC and water heater for peace of mind and a large, two car garage with room for a workspace. Out back there's both covered and open patios with nice views of the Sandia and Manzano mountains. Leave the clean, graveled landscaping as is for low maintenance living or flesh things out with additional xeriscaping. Easy access to the North Bosque Trail leading to miles of Rio Grande birding, hiking or biking.
If you are looking for a well priced, maintained home with updates throughout.This home is for you! Contact your favorite Realtor to schedule a viewing today.
PRICE REDUCTION! This is a beautifully updated home with numerous recent improvements, including a brand-new water heater, new appliances, new granite countertops, recently painted interior, an updated primary shower, new toilets, and new light fixtures. Upstairs, the spacious primary suite features a large walk-in closet, updated bathroom, and private fireplace, two brand-new oversized evaporative coolers, along with a large loft and oversized upstairs patio with generous outdoor space. One of the spare bedrooms also offers a walk-in closet. The home also offers a large, well-maintained backyard, attractive curb appeal, and exterior stucco and paint that were recently completed and remain in excellent condition. With extensive recent updates, spacious living areas, this home is a fantastic opportunity and ready for its next owner, COME QUICK--WILL NOT LAST LONG.
Privately gated home on 2.31 acre estate with breathtaking Views of the Sandia's. This home is loaded with ammenities...Custom Hickory wood floors and cabinets, granite countertops, and tin ceilings with custom moldings. Pella windows, and enjoy the 2 fireplaces to keep you warm and toasty. Keep cool with 2 energy efficient evaporative coolers and warm with radiant heat with controls in every room for your conveninece...Additionaly there is a Sunroom for you to relax and get cozy.
Daria Derebera
Real Estate Broker in Albuquerque, NM
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