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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 392 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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Comfort and style come together! Built in 2023 and thoughtfully upgraded, this stunning 4-bedroom home showcases a bright, open floorplan designed for both everyday comfort and effortless entertaining. The expansive living area flows seamlessly into the kitchen and dining space, creating a sophisticated yet welcoming atmosphere. A versatile three-car garage offers endless possibilities--ideal for extra storage, a workshop, or a private home gym. Every detail has been carefully selected to blend style, function, and comfort. From quiet mornings to elegant gatherings, this home offers a lifestyle of ease, beauty, and intention.

3
BEDS
3
BATHS
2,478
SQFT
0.5
ACRES

SELLER IS OFFERING A $3,000 CREDIT TOWARDS BUYER'S CLOSING COSTS WITH A FULL LIST PRICE OFFER!! This BEAUTIFUL 3-Bedroom, 2-Bathroom house is located in the Northern Meadows subdivision of Rio Rancho. Fresh paint throughout. New microwave and dishwasher. Cozy gas fireplace in the living room. Covered back patio with separate deck area. Refrigerated air for those hot summer days. 2-Car Garage. Don't miss the opportunity to make this beautiful house your home!!

3
BEDS
2
BATHS
1,414
SQFT
0.12
ACRES

Welcome to this spacious Cabezon home in the heart of Rio Rancho. Offering 4 bedrooms, 3 bathrooms, and nearly 3,000 sq ft, this residence features an open layout with soaring ceilings and abundant natural light. The main level includes the primary suite plus a guest bedroom and nearby bath, ideal for multigenerational living. The kitchen offers ample counter space, island seating, dining area, and breakfast nook. Upstairs includes two bedrooms, loft, and mountain views from select rooms. Enjoy a covered patio with gas BBQ hookup, fruit trees in front and back, and a large side yard space. Fully owned solar conveys. Quiet, private neighborhood near parks, schools, and shopping.

4
BEDS
3
BATHS
2,769
SQFT
0.16
ACRES

2-story semi-custom Tiffany Home on a spacious .18-acre lot with a beautifully designed 2-tier yard. Flexible layout offers 3 bedrooms plus a flex room for a possible 4th or office. Light-filled kitchen opens to the living area with a kiva fireplace. Enjoy refrigerated air, finished garage, and a private balcony with stunning mountain views. 2,275 sq ft. Near Intel, shopping, dining, and medical.10min. from Rio Rancho VA metro clinic. Assumable VA loan at 3.25%.

3
BEDS
3
BATHS
2,275
SQFT
0.18
ACRES

WOW!! Sellers are offering $3,000.00 concession toward buyers closing costs or prepaids !!!! Also offering the washer & dryer! Call this HOME!! An affordable home with a shorter commute for those employed in the Santa Fe area. For the outdoor enthusiast, hiking and off-roading are nearby, or a quick get-away for a day trip to the Jemez. Come inside to a sparkling and bright open floor plan. For the chef the kitchen offers an island, quartz silestone countertops, gas range, and stainless steel appliances with a pantry. Enjoy a private primary suite separate from the other bedrooms.BBQ and entertain under the covered patio in our beautiful New Mexico weather.

3
BEDS
2
BATHS
1,571
SQFT
0.11
ACRES

Located in the gated section of Mariposa, this refined 4-bedroom home feels nearly new and is truly move-in ready. The open, light-filled layout features wood-plank ceramic tile, 8-foot doors, and expansive windows that open to a covered patio and private backyard. The streamlined kitchen offers a large granite island, stainless steel appliances, gas cooktop, and built-in oven and microwavea"perfect for everyday living and entertaining. Outdoors, enjoy low-maintenance turf, raised garden beds, and fruit trees. Additional highlights include smart home features, a security system that conveys, and New Mexico Green Built certification for efficiency and comfort. Mariposa residents enjoy trails, open space, a community center, fitness facilities, and indoor and outdoor pools.

4
BEDS
2
BATHS
1,983
SQFT
0.21
ACRES
$775,000
-24,000$ 03/20

Custom-built Modern Pueblo home on a spacious 1/2-acre lot with thoughtful upgrades throughout.This home offers an open layout with 12-ft ceilings in the main living areas and tile flooring throughout--no carpet. The kitchen includes a large granite island with a farmhouse sink, custom soft-close cabinets with built-in storage, Samsung stainless steel appliances (WiFi-enabled cooktop, microwave/oven combo, and refrigerator), a marble backsplash, and a skylight for natural light. The living room features an electric fireplace, built-in cabinetry, and sliding doors leading to the patio.The primary suite includes private patio access, dual walk-in closets with custom shelving, and a spacious bathroom with a walk-in tiled shower (dual valves), freestanding tub, and double vanities.

3
BEDS
3
BATHS
2,620
SQFT
0.48
ACRES

This spacious 4-bedroom, 3-bathroom gem, offers incredible potential and immediate equity. Nestled in a desirable neighborhood, this home boasts a versatile layout perfect for families or entertaining. 4 Bedrooms + Loft: Includes a massive master suite with its own private loft, ideal for a cozy retreat or home office. 3 Full Bathrooms: Plenty of space and convenience for everyone. Additional Family Room: The upstairs loft serves as a second family room, perfect for movie nights or a play area. Wet Bar: Elevate your hosting game with a stylish wet bar for gatherings. Spacious & Modern Layout: Open and airy, with room to make it your own. It needs a few updates. Short sale, subject to lender approval.

4
BEDS
3
BATHS
2,672
SQFT
0.12
ACRES

Southwestern living at its finest! The Sierra is a single story 1,519 sq. ft home offering 3 bedrooms and 2 baths. This home features a long foyer leading into the kitchen, overlooking the living and dining area. The kitchen features spacious quartz countertops, Whirlpool(r) appliances, decorative tile backsplash, and walk in pantry. Enjoy the main bedroom, bedroom 1, located off the family room. Featuring a walk in closet and large walk in shower. The Sierra offers a covered patio and 2 car garage. This home includes our HOME IS CONNECTED base package which includes the Alexa Voice control, Front Doorbell, Front Door Deadbolt Lock, Home Hub, Light Switch, and Thermostat.

3
BEDS
2
BATHS
1,519
SQFT
0.12
ACRES

MOTIVATED SELLER-Price reduced to $415,000.00! Take advantage of this new price on a beautiful home with modern upgrades and move-in ready appeal.-2025 new-build with 1,907 sq ft, 4 beds, 2 baths, and upgraded 8-ft doors throughout. Features granite/quartz countertops, Alexa pendant lights over kitchen island, stainless appliances, plus washer, dryer & refrigerator convey. Open great room plan with spacious primary suite. Includes a recirculating pump. Beautiful low-maintenance xeriscape front and backyard. Move-in ready with modern upgrades. In addition, VA assumable option! Close with Viviana Montoya at All Western Mortgage and get an additional $1,000 off closing cost.

4
BEDS
2
BATHS
1,907
SQFT
0.12
ACRES

Experience stunning million-dollar views from this beautifully maintained single-story home located at 944 Canvasback Rd, Rio Rancho. This charming residence boasts an open floorplan that is flooded with natural light, creating a warm and inviting atmosphere throughout the entire living space. The thoughtfully remodeled kitchen features elegant granite countertops, ample cabinet space, and modern appliances, making it perfect for both everyday living and entertaining guests. Cozy up during cooler evenings by the inviting fireplace in the spacious living room, which also offers breathtaking panoramic views that can be enjoyed year-round.

3
BEDS
2
BATHS
1,798
SQFT
0.3
ACRES

MODERN STYLE MEETS SMART LIVING IN THIS 2024-BUILT RIO RANCHO BEAUTY! This D.R. Horton smart home offers open-concept living designed for today's lifestyle. Contemporary lighting, sleek finishes, and durable tile flooring create a clean, modern feel throughout. The spacious kitchen features pendant lighting, generous pantry storage, and seamless flow into the main living areas, perfect for everyday living or entertaining. Energy-efficient construction and smart home technology add comfort and convenience. Situated near newer developments, parks, shopping, dining, and easy access to Unser Blvd, Rust Medical Center, and popular Westside amenities, this home combines modern design with a growing, vibrant community. Schedule your showing today and experience Rio Rancho living at its best!

4
BEDS
2
BATHS
1,602
SQFT
0.11
ACRES
$655,000
-8,000$ 03/19

Nestled on a quiet cut-de-sac, this stunning 3 bedroom, 3 bathroom residence sits on a .27 acre lot and enjoys unobstructed southeastern views, offering rare privacy and a truly peaceful setting.Take a breathtaking downslope views of the Bosque, Manzano mountains, Sandia Peak, and the East Mountains. In select rooms, expansive windows frame panoramic ''earth-to-sky'' vistas, flooding the home with natural light and showcasing New Mexico's spectacular sunsets and ever changing skies. Step outside to an exquisitely landscaped backyard, a serene retreat thoughtfully curated for both beauty and tranquility. The covered porch creates a seamless indoor-outdoor living experience, perfect for morning coffee, evening gatherings, or just quiet relaxation time. Easy access to I-25.

3
BEDS
3
BATHS
2,909
SQFT
0.27
ACRES

Exceptional views from this one-owner Pulte home located in the desirable Lomas Encantadas at Enchanted Hills. This property offers custom backyard landscaping, refrigerated air, a water softener, and Hunter Douglas blinds. The kitchen features GE Profile appliances, maple cabinetry, and 18-inch ceramic tile flooring, which continues through the entry, utility room, and bathrooms. The owner's suite includes bay windows with expansive views, a tray ceiling, a large walk-in closet, and a five-piece bath with a custom walk-in tub. Finished garage with remote openers. Conveniently located near I-25, the Rail Runner, medical facilities, grocery stores, shopping, and schools.

3
BEDS
2
BATHS
1,680
SQFT
0.13
ACRES

Nestled in prestigious Loma Colorado. 2499-SQ FT 4 bedroom sanctuary pairs a sophisticated open floor plan and an extended pergola-covered patio with a rare position backing onto the community's largest open space. The culinary hub is beautifully appointed with solid-surface countertops, premium appliances, a four-seat social island, and a dedicated dining area. A. RO water system included in the kitchen. Outside, the professionally landscaped grounds offer a refined alfresco retreat. The primary suite serves as a masterfully private haven featuring a spa-inspired bath and an expansive walk-in closet. Complete with three additional bedrooms, a two-car garage, and proximity to Rio Rancho's amenities. Big Savings with Solar System brings the electric bills to an average $80.00 per month.

4
BEDS
3
BATHS
2,499
SQFT
0.15
ACRES

This single-story home sits on a spacious lot with open outdoor space and block fencing, offering flexibility for a variety of uses. Inside, the layout features an open living area with updated flooring, neutral finishes, and abundant natural light. The kitchen includes modern countertops, painted cabinetry, and stainless steel appliances, opening to a dining area with backyard access. Bedrooms are well-sized, and the bathroom has been updated with tile surround and contemporary fixtures. Exterior highlights include a two-car garage, low-maintenance landscaping, and mountain views from the yard. Conveniently located near major roads, shopping, dining, and city amenities, this property offers a balance of indoor comfort and outdoor potential! Current home warranty active until August!

3
BEDS
2
BATHS
1,363
SQFT
0.21
ACRES

Located in Rio Rancho, this inviting, light-filled residence immediately welcomes you with an open layout, recessed lighting throughout, and a stylish blend of carpet and tile flooring. The kitchen is thoughtfully designed with included appliances, a pantry, and a stylish backsplash, flowing seamlessly into the living area for effortless everyday living and entertaining. The primary suite offers an ensuite bath featuring a walk-in shower, double-sink vanity, and a generous walk-in closet, while refrigerated air, a laundry room, and a two-car garage provide added comfort and convenience. Outside, enjoy low-maintenance landscaping and a fully walled backyard, all at a price that makes ownership irresistible. Don't miss your chance, schedule your showing today!

3
BEDS
2
BATHS
1,572
SQFT
0.11
ACRES

BACK ON THE MARKET due to a contingent offer falling through! This meticulously maintained model home is only 5 years young, and has every possible upgrade for its new family to enjoy! This is an exceptionally rare opportunity to live in luxury without the luxury mortgage payment. Set on a stunning corner lot with sweeping mountain views, the Model 5th Avenue Pulte home boasts a full outdoor kitchen, basketball hoop, and mounted exterior TV! The home is loaded with upgrades to include a beautifully crafted tile backsplash around the gas fireplace, 4 inch baseboards, climate controlled garage, custom staircase and french doors in the office downstairs. An elegant chefs kitchen with a gas cooktop and recessed lighting is sure to impress

3
BEDS
3
BATHS
2,456
SQFT
0.14
ACRES

Beautiful two-story home in Rio Rancho in a fantastic location! This stunning 4-bedroom, 2.5-bath home with a 2-car garage offers over 2,400 sq ft of well-designed living space in the desirable Mirador Del Sol subdivision. Featuring multiple living areas, including a dramatic living room with soaring ceilings and accent walls, a formal dining space, and a cozy family room with fireplace. The chef's kitchen boasts granite countertops, a mini island, and abundant cabinetry--perfect for entertaining. Relax in the spacious primary suite with garden tub, separate shower, dual sinks, walk-in closet, and private balcony. Enjoy outdoor living in the fully xeriscaped backyard with covered patio, ideal for gatherings and low-maintenance enjoyment.

4
BEDS
3
BATHS
2,452
SQFT
0.12
ACRES

Spectacular & Immaculate Single-level Home Boasting $65k in Recent Upgrades & Updates!Fabulous Open Flow Home with Outdoor Oasis!Ideal for Entertaining or Quiet Evenings At Home!The Heart of the Home is the Fantastic Gourmet Kitchen & Inviting 16 x 23 Great Room Combo! Beautiful New LVT Floors! New HVAC/Refrig Air! New EE Glass Doors Bring the Outdoors In! Retreat to Your Private Owner's Suite-featuring a Remodeled bath w/Custom Shower! Spacious Study is Flex Space or 4th Bedroom! Large Open Dining Room! The Outdoor Oasis Beckons you to Relax & Recharge by the Fire pit or in the Hot Tub! Ideally located in Sought After Gated Mariposa! A 5 Min Walk To Top Tier Community Center offering Pools/Gym/Yoga/Cafe + Huge Park! Endless Acres of Open Space Trails! Mountain Views! A Must SEE!

3
BEDS
3
BATHS
2,455
SQFT
0.2
ACRES

Located in the heart of Rio Rancho, this spacious two-story home offers 4 bedrooms and 2.5 bathrooms with a functional and inviting layout. Enjoy year-round comfort with two refrigerated air units. The fully landscaped backyard is perfect for entertaining or relaxing, featuring a pergola, playground set and additional storage space. Conveniently situated near shopping, dining, parks, and schools, this home combines comfort, space, and location don't miss this opportunity!

4
BEDS
3
BATHS
2,395
SQFT
0.13
ACRES

Stunning Pulte home located in the desirable Loma Colorado community! The Firwood floor plan is one of Pulte's top-selling layouts, featuring an open-concept living area, a primary bedroom on the main floor, soaring 18' ceilings in the living room, and an oversized four-panel glass sliding door that opens to a fully landscaped backyard. The main floor also offers a dedicated office or study space. The modern kitchen showcases stainless steel appliances, extended-height cabinetry, granite countertops, and a large island, perfect for entertaining. The second floor provides 3 additional bedrooms, and a generously sized loft area that could be used as a media space, or more. Located in the heart of Rio Rancho, this home is close to neighborhood nature trails, parks, soccer fields & more.

4
BEDS
3
BATHS
2,647
SQFT
0.14
ACRES

for a formal dining room, home office, or additional living space. Beautiful 24x12-inch ceramic tile flows throughout the main living areas, while plush carpeting adds warmth to the bedrooms. The luxurious primary suite offers an oversized walk-in shower, a separate soaking tub for relaxation, and a large closet with direct access to the laundry room for added convenience. Step outside to a covered patio designed for outdoor living, overlooking a generous backyard. A 3-car tandem garage completes this stunning home, offering.A gourmet kitchen awaits the inspired chef, featuring executive stainless-steel appliances, a spacious pantry, and a massive quartz island perfect for gathering with family and friends.

3
BEDS
3
BATHS
2,221
SQFT
0.17
ACRES

Gorgeous like-new home in desirable Milagro Mesa! Spacious kitchen with granite, glass tile backsplash, SS appliances, walk-in pantry, and generous island. Formal DR. Expansive Owner's Suite includes a magnificent bathroom with dual sink vanities, glass door shower, and tile. Boutique closet with built-in shelves! Balcony w/mountain views is ideal for morning coffee and evening relaxation. 3 additional BRs, HUGE loft, and generous laundry room complete the upstairs sanctuary. Office/BR on main floor. Wood pattern tile throughout the main floor. Comforts include refrigerated AC, tankless water heater, ceiling fans in every BR, loft, living room, and office. Low maintenance front and back yards. Finished 3-car garage with glossy epoxy coating is perfect for your projects!

4
BEDS
3
BATHS
2,676
SQFT
0.14
ACRES

Immaculate, Beautifully Updated One-Story Home with 4 Bedrooms, 2.5 Bathrooms, 3 Car Garage, 2+ Living Spaces, Plus an Office! Located in the Desirable Gated Tres Colinas Community in Loma Colorado! The Gourmet Kitchen Offers a 9' Island, Granite Counters Large Dining Area, Abundant Storage and an Expansive Walk-In Pantry! The Large Primary Suite Includes an Ensuite Bathroom w/ a Custom Barn Door, Soaking Tub, Separate Shower, Double Sinks and a Walk-In Closet! Additional Amenities Include Recessed Lighting, Custom Light Fixtures and Fans, Plantation Shutters, Raised Ceilings, Raised Panel Doors and No Carpet! Enjoy the Outside Covered Patio w/ Low Maintenance Yard! No PID! This Custom Gem is a Must See!

4
BEDS
3
BATHS
3,168
SQFT
0.21
ACRES
Daria Derebera Realtor

Daria Derebera

Real Estate Broker in Albuquerque, NM

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