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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 487 listings in Rio Rancho. Want to refine your search? Use our Advanced Home Search to filter by price, bedrooms, features, and more.

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Welcome home to desirable Loma Colorado! This pristine, move-in-ready residence offers 5 beds and 2.75 baths, featuring a main-level guest room with an adjacent 3/4 bath. The bright, open-concept main floor seamlessly connects the living, dining, and kitchen--complete with granite counters, tile backsplash, stainless steel appliances, and a walk-in pantry. Upstairs features a spacious loft with a storage closet, generous secondary bedrooms with walk-in closets, and a private primary suite. Enjoy quality finishes throughout, including wood-look tile in the baths, upgraded light fixtures, an office nook, and a custom built-in entertainment center that stays with the home. Step outside to a fully landscaped backyard, perfectly situated on a quiet street close to great schools.

5
BEDS
3
BATHS
2,950
SQFT
0.13
ACRES

Price Drop makes this home below Market! Buyer's will have instant Equity! Welcome to this beautiful 4-bedroom, 3-bath home located in the highly desirable Cabezon neighborhood. Designed for both comfort and functionality, this home features brand-new carpet throughout and a spacious eat-in kitchen with stainless steel appliances, perfect for everyday living and entertaining. The inviting living area is centered around a cozy gas log fireplace, creating a warm and welcoming atmosphere.With a versatile floor plan and generous bedrooms this home offers plenty of space for family, guests, or a home office. Enjoy the convenience of nearby parks, walking trails, schools, shopping, and easy access to major commuter routes. Combining modern updates with a sought-after location, this move-in-ready home is one you won't want to miss!

4
BEDS
3
BATHS
1,988
SQFT
0.12
ACRES

$10,000 Seller Credit Available! Use it toward closing costs, a rate buy-down, etc. Enjoy breathtaking mountain views from this exceptional custom hacienda on a large 1-acre parcel. Spacious bedrooms incl. a private split primary suite. Gourmet kitchen features knotty alder cabinets, granite countertops, breakfast bar, and stainless steel appliances, opening to the family room w/ stunning views. Italian porcelain tile, surround sound, and high-end accent lighting add style throughout. Oversized garage offers custom cabinetry,. Quaint courtyard entry and covered rear patio with outdoor kitchen are perfect for entertaining. Seller's electric bill avg. $25 per month with incl. solar. Wtr. Softener, central vac, private well complete this remarkable home!

4
BEDS
3
BATHS
2,837
SQFT
1
ACRES

Welcome to this beautifully maintained 3-bedroom, 2-bath home with a versatile bonus room in the desirable Corrales Heights neighborhood in Rio Rancho. Situated on a spacious 1/3 acre corner lot, this property features a circular driveway, two access gates, and ample parking for RVs, trailers, or extra vehicles. Enjoy professionally landscaped front and back yards, a custom covered patio perfect for entertaining, and a workshop ideal for hobbies or storage. Conveniently located near shopping, restaurants, schools, hospitals, and parks, this home offers the perfect blend of comfort, functionality, and location. Don't miss this exceptional opportunity!

3
BEDS
2
BATHS
1,710
SQFT
0.34
ACRES

Move right in and start saving! This beautifully maintained 3-bedroom, 2-bath home in the desirable Yucatan Del Este community offers an open layout, spacious living areas, and a well-appointed kitchen with stainless steel appliances and a pantry. Enjoy a private, low-maintenance xeriscaped backyard perfect for relaxing or entertaining. Best of all, the owned solar panels are all yours, providing exceptional long-term energy savings. Conveniently located just minutes from Cabezon Park, Rust Medical Center, shopping, dining, and easy access to Albuquerque, this move-in ready residence is a wonderful place to call home.

3
BEDS
2
BATHS
1,686
SQFT
0.12
ACRES

Spacious 4-bedroom home featuring a desirable open floorplan, beautiful laminate wood flooring, and refrigerated air throughout! Ideal for buyers needing that extra bedroom, this must-see property offers a low-maintenance backyard and a warm, cozy atmosphere the whole family will love. With comfortable living spaces and easy-care outdoor areas, this home is perfect for everyday living and entertaining.Don't miss your chance to make it yours!

4
BEDS
2
BATHS
1,702
SQFT
0.13
ACRES

Some homes just give you a little more room to breathe. This 3 bedroom, 2 bath home offers 1,305 square feet of comfortable single story living, but the real experience begins out back. With open space directly behind the home and beautiful views beyond, the backyard feels open, peaceful, and connected to the New Mexico landscape. Inside, the easy-flow floor plan provides comfortable spaces for everyday living, while the Rio Rancho location keeps you convenient to Rust Medical Center, parks, shopping, schools, and everyday amenities. If you're looking for a home where the setting matters just as much as what's inside, this one deserves a closer look.

3
BEDS
2
BATHS
1,305
SQFT
0.12
ACRES

Welcome to this stunning 2024 home in the highly desirable Seasons at Monarch community within beautiful Mariposa! This 4-bed, 3-bath residence delivers 2,052 sq ft of bright open-concept living with a spacious Great Room, gourmet kitchen featuring quartz counters & island, stainless steel appliances, high ceilings & also features a flexible second living area/guest suite w/ full bath, separate bedroom & wet bar! The primary suite is at the rear boasting a walk-in closet, double vanity & private shower. Enjoy the covered patio with stunning mountain views and xeriscape backyard featuring efficient drip irrigation. Upgrades: oversized 3-car finished garage w/ 220V, tankless water heater, IQ smart home panel, custom blinds, gutters & full appliance package.

4
BEDS
3
BATHS
2,100
SQFT
0.19
ACRES

Beautifully remodeled 4-bedroom home on a spacious 0.50-acre lot featuring a blend of farmhouse charm and modern updates. The inviting interior offers laminate flooring, updated windows, fresh, neutral finishes, and contemporary lighting throughout. The kitchen is designed for both style and function with a farmhouse sink, stainless steel appliances, tile backsplash, butcher block island, abundant cabinetry, and a pantry. The private primary suite includes a double-sink vanity and walk-in shower. Outside, enjoy a covered patio, RV parking, backyard access, and a detached garage, providing plenty of room for vehicles, hobbies, and storage. Situated on a generous half-acre lot, this move-in-ready property offers comfort, functionality, and space to enjoy both inside and out.

4
BEDS
3
BATHS
1,897
SQFT
0.5
ACRES

Step into this spacious awesome four bedroom home which has been professionally remodeled from top to bottom. Single story home with two living areas, extra flex room, 3 car garage, side yard access, separate RV driveway and parking, large corner lot. Recent upgrades include: HVAC, completely remodeled kitchen with center granite island and modern cabinetry, top-grade appliances, contemporary finishes in each bathroom, insulated garage doors, extra storage in garage and work bench area, exterior stucco, custom master closet, open floor plan and high vaulted ceilings. Front and back yard have zero landscaping.Great neighborhood and excellent location in the desirable Gleneagles Sub'd close to the high school, shopping and other retail outlets.

4
BEDS
2
BATHS
2,650
SQFT
0.26
ACRES

The seller is now offering a $5,000 seller credit towards buyers closing costs with an acceptable offer!! This warm and charming home offers the perfect blend of timeless appeal and modern comfort. Featuring four spacious bedrooms, a large gourmet kitchen with granite countertops, and glass sliders opening to an oversized covered patio -- ideal for year-round entertaining and relaxing.The bright and open living room provides ample space for gatherings, while the fourth bedroom easily doubles as a home office or study. You'll love the thoughtful upgrades throughout: beautiful ceramic tile flooring in the kitchen, laundry room, and all bathrooms; elegant granite counters in the kitchen and both baths; and energy-efficient LED lighting everywhere.The kitchen is a true standout, equipped with a side-by-side refrigerator, microwave, gas range, and a washer and dryer too !!

4
BEDS
3
BATHS
1,707
SQFT
0.14
ACRES

****The seller is now offering a $5,000 seller credit towards buyers closing costs with an acceptable offer! Thoughtfully designed, this amazing 3 Bedroom, 2 bathroom home features exceptional comfort, style, and value that is sure to impress.The heart of the home features an expansive open-concept living, dining, and kitchen area highlighted by large sliding glass doors that open to a spacious covered patio -- perfect for indoor-outdoor entertaining and everyday enjoyment. The generous primary suite offers a walk-in closet, separate linen closet, and a luxurious dual-sink vanity area. Additional features include:Solid granite countertops with a 4'' granite backsplash,Energy-efficient appliance package: refrigerator, washer, dryer, dishwasher, gas range, and microwave. Call us to see it today !

3
BEDS
2
BATHS
1,687
SQFT
0.11
ACRES

Welcome to this updated, move-in ready 3 Bedroom single story home. As you walk in, you are greeted by a warm, inviting living space centered around a cozy fireplace. The open concept flow between the living room & kitchen creates an ideal layout for gathering. Renovated kitchen and 2 full baths, refrigerated air, 2 car garage & SELLER OWNED SOLAR + NO carpet. Kitchen includes stainless steel appliances (all convey), solid surface countertops & an island. Large backyard looms over current open space with a partial view of the Sandias. Located near a neighborhood park & an elementary school. This home offers unmatched convenience situated near running trails, Rio Rancho event center, a hospital & CNM Rio Rancho. NOTE: Please allow 24 hour notice for showings.

3
BEDS
2
BATHS
1,236
SQFT
0.13
ACRES

Amazing opportunity to own this one story gem in Northern Meadows in the heart of Rio Rancho! Recent upgrades include new quartz countertops and new tiled floors in the kitchen. GE profile oven range, new dishwasher and professional vent range hood. Updated primary bath with Venetian plaster. Guest bathroom is completely remodeled with new tile and a new vanity. Custom remote control fireplace with Venetian plaster. New windows in primary bedroom and living room. This remarkable home is freshly painted with a new air condition and heating system and also a new water heater. Additional upgrades include a new roof, garage door, patio door, custom side gates, iron gates, a dog run with a finished backyard with a mature spruce tree and other trees. Come and see all this home has to offer!

3
BEDS
2
BATHS
1,612
SQFT
0.16
ACRES

Move-in ready! Experience breathtaking, unobstructed views from this exceptional luxury custom single-story home. This immaculate residence features 3 bedrooms, including 2 private primary suites, and 3 baths. Soaring tongue-and-groove ceilings, a Kiva fireplace, knotty alder wood doors, designer onyx lighting, LED and recessed lighting, and architectural niches create timeless elegance. The gourmet kitchen offers quartz countertops, GE Monogram appliances, induction cooktop, double convection ovens, and a large island. Enjoy a built-in office, spa-inspired baths, therapeutic tub, oversized closets, tankless water heater, ERV air filtration, epoxy garage floors, covered patio, rooftop viewing deck, and a beautifully xeriscaped, low-maintenance yard; 1.29 acre lot. See it-Love it-Own it!

3
BEDS
3
BATHS
2,563
SQFT
1.29
ACRES

New Construction! Enjoy the benefits of a brand new home featuring the perfect floor plan for a single family or multi generational living. With 2 primary suites, 3 full bathrooms, and a dedicated office; ideal for extended family, guests, or working from home. The open concept design seamlessly connects the living, dining, and kitchen areas, creating the perfect space for entertaining. This home showcases custom, imported, handcrafted doors and beautifully handcrafted kitchen cabinets, adding timeless character and exceptional craftsmanship throughout. Situated on a 0.26-acre lot, the fully walled backyard offers privacy for outdoor entertaining and convenient backyard access. Schedule a showing today!

4
BEDS
3
BATHS
2,529
SQFT
0.26
ACRES
$474,000
-1,000$ 08/11

Your new home awaits! Now offering $4,000 in credits! Meticulously maintained and move-in ready, this spacious home offers over 2,700 sq. ft. of living space and a three-car garage. Recessed lighting and updated fixtures add a modern touch throughout. The kitchen features stainless steel appliances, a corner pantry, and generous counter space for cooking, entertaining, and everyday living. Upstairs, the private balcony off the primary bedroom provides a peaceful place to unwind. Step outside to enjoy the spacious backyard, offering plenty of room for outdoor activities, gardening, or simply relaxing. Don't miss your opportunity to see this beautiful home, and schedule your private tour today!

4
BEDS
3
BATHS
2,751
SQFT
0.14
ACRES

Welcome home to this stunning, move-in-ready property in Cabezon. Lovingly cared for by its original owners, this 4-bedroom residence has been thoughtfully upgraded from top to bottom. Enjoy the convenience of easy-to-clean tile on the main floor and a bright, gourmet kitchen featuring new cabinets and sleek appliances. Upstairs, the home feels fresh and modern with new laminate flooring and organized built-in closet systems. Every bathroom has been refreshed with a clean, modern aesthetic. The highlight? Relax on your private upstairs deck and enjoy the peaceful views overlooking the vibrant 'A Park Above.

4
BEDS
3
BATHS
2,345
SQFT
0.13
ACRES

Welcome to your better-than-new Hakes Brothers home in Mountain Hawk! An entertainer's delight, you'll enjoy the chef's kitchen with oversized island, stainless appliances, a shady front porch and back enclosed patio, and a stunning primary suite with walk-in shower, double sinks, and a spacious walk-in closet.The home is tiled throughout, including all bedrooms, and the back yard is finished with a retaining wall and gravel - a low maintenance place that's perfect for you to enhance it with gardening or trees if you desire.With a lovely strip of green space behind your home, there are no neighbors directly behind you, creating an even more serene environment.Close to shopping and dining in Rio Rancho and Bernalillo, and a quick drive to the Jemez Mountains and Santa Fe.

3
BEDS
2
BATHS
1,667
SQFT
0.14
ACRES

New Stucco, windows, interior paint, exterior lights and SPC flooring . Home has a newer roof funrnace and water heater. All appliances will stay with the home. Dog-run and great yard .

3
BEDS
2
BATHS
1,265
SQFT
0.16
ACRES

$10,000 FOR ANY BUYER-USE FOR INTEREST BUY DOWN, CLOSING OR PRICE REDUCTION ### **A Rio Rancho Garden Oasis With Mountain Views, Solar & Room To Live**Some homes offer square footage. Others offer a lifestyle. Set on nearly half an acre in Rio Rancho, this custom Panorama Heights property offers something increasingly difficult to find: mature landscaping, mountain views, flexible living spaces, and outdoor areas designed to be enjoyed year-round.Wake up to New Mexico skies, enjoy your morning coffee on the private balcony, and spend evenings surrounded by established trees, gardens, and the peaceful setting that makes this property special. Unlike newer homes where landscaping is still waiting to mature, this property offers an established outdoor environment with flowering fruit trees, grapevines, garden areas, and spaces created for relaxing, entertaining, and enjoying the seasons.### **Why You'll Love It*** **A backyard built for living** -- Mature landscaping, fruit trees, garden areas, covered patio, open patio spaces, hot tub, and room to enjoy outdoor gatherings, gardening, or quiet evenings under the New Mexico sky.* **Mountain views and outdoor connection** -- Private balcony, scenic surroundings, and multiple outdoor spaces create opportunities to enjoy the beauty of New Mexico every day.* **Flexible living spaces** -- Approximately 3,100+ square feet with multiple living areas, a finished heated sunroom, and a layout designed for entertaining, hobbies, guests, or everyday comfort.* **A private upstairs retreat** -- The upper-level primary suite offers separation, views, and additional comfort with a new dedicated mini-split cooling system being added.* **Space for hobbies and projects** -- The workshop/flex space provides room for creative pursuits, storage, hobbies, equipment, or future customization.* **Energy-conscious features** -- Seller-owned solar, double-pane windows, and natural gas utilities provide valuable efficiency features while two wood-burning fireplaces with inserts add warmth and character.* **Room for vehicles and toys** -- RV access/parking, spacious driveway, backyard access, and flexible garage/workshop space provide options that are hard to find.### **Property Details*** 3507 Saint Andrews Drive SE, Rio Rancho, NM 87124* $575,000* 4 Bedrooms (possible 5th bedroom)* 2 Full Bathrooms* 3,184+/- Sq. Ft.* 0.45+/- Acre Lot* Built in 1980* Custom Two-Story Home* Panorama Heights Neighborhood* Mountain Views* Finished Heated Sunroom* Two Living Areas* Sunken Living Room* Kitchen Island* Stainless Steel Appliances* Owned Water Softener* Two Wood-Burning Fireplaces With Inserts* Seller-Owned Solar* Workshop/Flex Space* RV Access/Parking* Covered & Open Patios* Hot Tub* Mature Trees & Landscaping* City Water & Public Sewer### **Perfect For**Buyers who want more than a typical Rio Rancho property--those who appreciate mature landscaping, outdoor living, gardening, hobbies, flexible space, mountain views, and the character of an established neighborhood.If you have been searching for a home with room to spread out, a backyard that already feels established, and features designed for enjoying New Mexico living, schedule your private showing and experience 3507 Saint Andrews Drive SE.

4
BEDS
2
BATHS
3,184
SQFT
0.45
ACRES

Ideally situated just minutes from Presbyterian Rust Medical Center, shopping, dining, and everyday conveniences, Los Diamantes makes it easy to enjoy more of what matters. From quick commutes to effortless errands and evenings out, everything you need is close to home. Homes in this new phase are designed with affordable luxury in mind, featuring open-concept floorplans, contemporary finishes, and flexible living spaces that maximize both comfort and functionality. Every detail is carefully considered to deliver lasting quality, modern style, and outstanding value--making it easier to step into homeownership with confidence.

3
BEDS
2
BATHS
1,289
SQFT
0.1
ACRES

Almost done building 2-3 months out.contact broker for details, come and see your home being build. May be able to choose some finishing touches.

5
BEDS
4
BATHS
3,142
SQFT
0.5
ACRES

The Bandera offers approximately 2,440 square feet of two-story living with 4 bedrooms, 2.5 bathrooms, and flexible spaces for modern households. A welcoming entry opens to a first-floor flex room, while the expanded kitchen, dining, and great room create a spacious setting for daily living and entertaining. The main-level owner's suite provides a private retreat with dual vanities and a large walk-in closet. Upstairs, a versatile loft and three secondary bedrooms add room for media, study, play, guests, or family, while a two-car garage and thoughtful storage support everyday function.

4
BEDS
3
BATHS
2,440
SQFT
0.15
ACRES

FOUR bedroom charmer on a quiet cul-de-sac in the beautiful community of Enchanted Hills. Open floor plan with lots of light offers a cheerful place to call home! Lots of storage including Walk-In closets in BR 2 and 3. No carpet - Luxury Vinyl and tile throughout! Freshly painted too! Terraced backyard offers low maintenance turf and SW gravel landscape. Nearby park and GREAT schools. Easy access to I-25, Santa Fe, and Albuq. Minutes from Park and Ride, Shopping, and Entertainment.

4
BEDS
2
BATHS
1,848
SQFT
0.14
ACRES
Daria Derebera Realtor

Daria Derebera

Real Estate Broker in Albuquerque, NM

Southwest MLS Logo 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-commerical use and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing.