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VA Loan Eligible Homes in Rio Rancho

Browse VA loan eligible homes in Rio Rancho, New Mexico. Veterans and active military can take advantage of zero down payment, competitive interest rates, and no PMI.

Showing 440 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 3024 Vatapa. Luxury Living Meets Everyday Comfort in One of Rio Rancho's Most Desirable CommunitiesExperience exceptional Southwest luxury in this stunning custom Twilight Home, thoughtfully designed with over 3,400 square feet of sophisticated living space on a beautifully landscaped 0.60-acre lot.Built in 2018, this meticulously maintained residence offers 3 spacious bedrooms, 3.5 luxurious bathrooms, a private executive office, and a dedicated theater room, creating the perfect balance of elegance, comfort, and functionality.The heart of the home showcases an open-concept floor plan with designer finishes, soaring ceilings, and abundant natural light that seamlessly connects the living, dining, and gourmet kitchen.Step outside into your own private pool o

4
BEDS
5
BATHS
3,407
SQFT
0.6
ACRES

*** SELLER OFFERING $5000 TO BUYER FOR CLOSING COSTS WITH THE RIGHT OFFER ***. 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

Located within the desirable gated community of Cabezon, this spacious 3,179 sq. ft. home offers 4 generously sized bedrooms, new carpet, abundant storage throughout, and walk-in closets. Enjoy a fully landscaped backyard complete with a natural gas fire pit, perfect for relaxing or entertaining. Additional highlights include a 3-car garage and fiber internet availability, combining comfort, convenience, and modern connectivity in a sought-after neighborhood.

4
BEDS
3
BATHS
3,179
SQFT
0.17
ACRES

Modern 4 bedroom, 3 bathroom home in a newer Rio Rancho community offering bright, open living and stylish finishes. A spacious entry leads into a long hallway that opens to an inviting open-concept layout with a large granite kitchen island, stainless steel appliances, and seamless flow into the dining and living areas. High ceilings, neutral tile flooring, and contemporary lighting create a warm, cohesive feel. The thoughtful floor plan includes a Jack-and-Jill bathroom between two bedrooms, plus a private primary suite with a generous layout and walk-in shower. All bedrooms offer comfortable space and natural light. Enjoy a covered patio and a perfect opportunity to add the finishing touches to the yard and make this a perfect home. Move-in ready with modern comfort throughout.

4
BEDS
3
BATHS
2,127
SQFT
0.13
ACRES

Discover the perfect blend of modern design and quality craftsmanship in this stunning custom-built Rio Rancho home. Offering 2,802sqft of single-level living, this 4-bedroom, 4-bathroom residence sits on a half-acre lot and features soaring ceilings, a dramatic 17-foot tower entry, and a welcoming courtyard. The open floor plan showcases custom tile flooring, recessed ceilings, and a gourmet kitchen with granite countertops, premium appliances, and a stone island. The private primary suite features a large walk-in closet, standalone soaking tub, and an oversized walk-in shower with dual entry and a rainfall shower head. Enjoy a 906sqft covered patio with wood ceilings, epoxy-finished doors, metal fencing, RV parking, backyard access, and beautiful views.

4
BEDS
4
BATHS
2,802
SQFT
0.5
ACRES

Wonderful family home in the Los Diamantes community. Conveniently located just minutes from parks, shopping, dining, grocery stores, Joe Harris Elementary and Rust Medical Center. Enjoy owned solar panels, helping reduce utility costs while staying cool all summer.The fully landscaped backyard is perfect for relaxing or entertaining with an extended patio and low-maintenance turf. Enjoy beautiful views of the iconic Three Sisters. Schedule a tour today!

3
BEDS
2
BATHS
1,420
SQFT
0.12
ACRES

Stunningly bright & cheery one story home w/tile roof. Open floor plan offers 3 bedrooms 2 baths/ charming chef's kitchen complete w/ gas stove & newer vent and pantry. Granite counters and lovely cabinets w/ an island offer casual dining if desired plus a pleasant dining area with chandelier lighting. Warm and welcoming living room with plenty of space for everyone!!Large primary bedroom features ceiling fan Bath has dble sinks and a spacious closet that opens to laundry room. Great separation from other 2 bedrooms which share a full bath This home is radiant with sunlight, has lovely blinds, tile flooring, carpet, refrigerated air & is landscaped front & back. Welcoming covered patio to enjoy the outdoors. No backyard neighbors! Close to schools, shopping and restaurants. Come see!

3
BEDS
2
BATHS
1,771
SQFT
0.13
ACRES

Beautifully updated and move-in ready, this charming home offers the perfect blend of comfort, style, and space on approximately a half-acre with mountain views. The remodeled kitchen features granite countertops, tile backsplash, hood vent, and a new freestanding range. Updated bathrooms, including a new guest vanity, add to the home's fresh appeal. Enjoy tile flooring throughout, a cozy wood-burning stove, newer roof, new MasterCool evaporative cooler, and a septic system replaced in 2021. Gated side access provides room for trailers, campers, or equipment (buyer to verify suitability). With plenty of outdoor space to relax, garden, or entertain, this property is ready to enjoy.

3
BEDS
2
BATHS
1,412
SQFT
0.5
ACRES

Welcome home to this beautifully updated 5 bedroom, 2.5-bathroom home offering the perfect blend of space, comfort, and style. With a three-car garage, convenient side yard access, and multiple living areas, this home provides the flexibility today's buyers are looking for. Inside, you'll find fresh updates throughout, including newer flooring, freshly painted walls and baseboards, updated light fixtures, and a remodeled kitchen featuring quartz counters, updated appliances and stylish finishes. The spacious floor plan offers plenty of room for entertaining, relaxing, or working from home. The oversized primary suite serves as a private retreat with a beautifully updated bathroom and ample space to unwind. Four additional bedrooms provide room for family, guests, hobbies, or home office.

5
BEDS
3
BATHS
2,298
SQFT
0.15
ACRES

Welcome to this charming 3-bedroom, 2-bathroom home in the desirable Cascades at High Resort subdivision in Rio Rancho! Filled with natural light, this inviting home offers a bright, open layout perfect for everyday living. The kitchen features stainless steel appliances, ample cabinetry, and plenty of storage. The spacious primary suite includes dual sinks, a soaking tub, and a separate shower. Step outside to a beautifully landscaped, low-maintenance xeriscaped backyard with room to relax or entertain. Conveniently located near shopping, dining, parks, and other amenities, this home offers comfort, style, and convenience. Don't miss it!

3
BEDS
2
BATHS
1,973
SQFT
0.33
ACRES

3504 Wild Horse Rd NE is a residence with a functional layout and modern finishes throughout. The kitchen features a walk-in pantry, creating a well-equipped space for cooking and entertaining. The primary bedroom includes a walk-in closet for convenient storage and organization. A covered patio extends the living space outdoors, flowing to a fully fenced backyard that creates ample room for relaxation and entertaining. This residence combines practical design with comfortable living spaces, delivering functional amenities throughout every room.

3
BEDS
2
BATHS
1,580
SQFT
0.13
ACRES

Ready Now 2026! This stunning 2-story home featuring luxurious amenities and ample space. The owners suite is located on main level. Entertain in the expansive game room upstairs or enjoy meals in the large breakfast nook. The gourmet kitchen includes a convenient butler's pantry, while the office/den provides a quiet retreat. This home offers both style and functionality. Ideal for those seeking elegance and comfort. Mark this home as a must see now!

5
BEDS
5
BATHS
3,410
SQFT
0.15
ACRES

Beautiful mountain views and large backyard! Original owner. Well maintained home features 2 living areas, spacious primary suite, and family dining room. Located in a cul de sac, low traffic area. Updates include; water softener (2023), refrigerator (2022), gas stove (2020). No carpet, no HOA, no PID! 3rd car garage has been converted into an office/storage area. All of the components of the garage are still there (door, opener) and can easily be converted back to a garage, if desired.

4
BEDS
2
BATHS
2,569
SQFT
0.34
ACRES

Rare opportunity to own 5 acres in the heart of Rio Rancho! This spacious 4 bedroom + office, 3 bath home offers endless possibilities with room for horses, RVs, recreational vehicles, a future workshop, pool, garden, or simply space to enjoy privacy and the New Mexico lifestyle. Take in beautiful Sandia Mountain views while still being minutes from shopping, restaurants, and city amenities. Features include a 3-car garage, owned solar panels, private well, refrigerated air, tankless water heater, and a reverse osmosis system. Complete with stalls, hay storage, and outbuilding space perfect for animals, hobbies, storage, or your next vision. A rare combination of space, views, and location! Lender-paid rate buydown available!

4
BEDS
3
BATHS
2,500
SQFT
5
ACRES

Perfectly located near Intel with easy access to Albuquerque, this beautifully updated home blends style, comfort, and functionality. Inside, enjoy 16x16 tile throughout, a stacked-stone fireplace, barn door accents, upgraded kitchen cabinetry, tile backsplash, reverse osmosis, water softener, an oversized pantry, and a spacious laundry room with built-ins. The primary suite features a custom walk-in closet, while a secondary bedroom includes an adjoining office/flex space. The backyard is fully fenced offering backyard access, a covered patio with gazebo and a separate dog run! This great property stis on a HALF ACRE! Other updates include: newer solar (seller will pay off in full at closing W/ acceptable offer) septic, water heater, and a finished 2-car garage.

3
BEDS
2
BATHS
2,040
SQFT
0.5
ACRES

Welcome Home to Rock Ridge! This former model Green-Built home showcases premium upgrades and has been meticulously maintained. Offering 3 spacious bedrooms, 3 bathrooms, with a versatile loft and Refrigerated Air, the perfect blend of comfort and functionality. The upgraded kitchen features stainless steel appliances, a refrigerator, washer, and dryer and granite counters. This home is move-in ready. The open layout is ideal for both everyday living and entertaining.The outstanding garage features an epoxy-coated floor, overhead storage racks, providing an organized and polished space for vehicles, hobbies, and extra storage. Step outside to enjoy the fully walled backyard, offering privacy - ideal setting for pets, entertaining, or simply relaxing. Hurry!Ask about the furniture.

3
BEDS
3
BATHS
1,918
SQFT
0.11
ACRES

Welcome to this stunning home in the highly desired Rivers Edge community! Situated on 1/4 Acre lot with full side yard access, this 3 bedroom, 2 bath, 2-car garage home is just a quarter mile from the scenic Rio Grande River trails. Meticulously maintained and loaded with upgrades, highlights include a metal roof, Mastercool, granite countertops, soft-close cabinets, pine arch top doors, and a 10x12 shed with loft for storage! The entire home has been re-plumbed with no polybutylene pipes, including the water main to the street, for total peace of mind. A newer hot water heater rounds out the improvements making this home truly move-in ready! Don't miss this rare opportunity in one of the area's most sought-after neighborhoods. Call your favorite agent to schedule a showing today!

3
BEDS
2
BATHS
1,330
SQFT
0.26
ACRES

Tucked away at the top of a quiet cul-de-sac in one of the area's most desirable neighborhoods, this hidden gem offers 4 bedrooms, 2.5 bathrooms, fresh interior paint, and a spacious, functional floor plan. Enjoy two living areas, a huge loft perfect for a game room, office, media space, or playroom, and an oversized 3-car garage with exceptional storage. The private primary suite features its own balcony overlooking the lush backyard. Step outside to your nearly quarter-acre backyard oasis with mature trees and vibrant greenery, offering the perfect setting to relax, entertain, garden, or enjoy peaceful evenings. With its exceptional location, generous living spaces, and inviting outdoor retreat, this is a home that offers more than just a place to live- it offers a lifestyle you'll love!

4
BEDS
3
BATHS
2,255
SQFT
0.22
ACRES

Great family floor plan, two living areas + a huge loft, formal dining area + dining nook, kitchen has plenty of cabinet & counter space including breakfast bar/island, office or 5th bedroom on ground floor, soaring family room ceiling w/clerestory windows. Close to many city amenities. Sold as is with all faults. No pre-closing repairs or payments will be made for any reason. Home is eligible for FHA financing - IN (insurable) - and is FHA 203(k) eligible. Insurability subject to buyer's appraisal. Approval must be granted in advance by HUD's Field Service Manager for utility turn on. If plumbing deficiencies exist, approval for water turn on may be denied; please reference Property Condition Report. PCR is not to be relied upon in lieu of a home inspection. Equal Housing Opportunity.

4
BEDS
3
BATHS
3,638
SQFT
0.21
ACRES

**OPEN HOUSE** 7/11, 11 AM - 3 PM. Welcome to this beautiful single story home situated on a .33 acre lot tucked away at the end of a cul-de-sac, in the highly sought after Rivers Edge III community. This home features, large rooms, family room, kitchen has plenty of cabinet & counter space, formal dining + breakfast nook, refrigerated air, water softener, large 2 car garage with bonus/hobby room and storage cabinets. Wonderful covered patio for relaxing & entertaining and an inviting covered front porch with phenomenal mountain views. Landscaped, front & back, lawn, shrubs. Huge side yard parking, perfect for RV and/or multiple vehicles & back yard access to another garage/workshop & two storage sheds. This property has so many unique qualities that are a rare find! NO Poly, NO HOA.

3
BEDS
2
BATHS
1,698
SQFT
0.33
ACRES

Original-owner home, and it shows in all the best ways. This is the one buyers hope to find: cared for from day one, beautifully updated, exceptionally clean, and truly move-in ready. With five bedrooms, three living areas, and a main-level bedroom, the layout offers room for gathering, guests, work, hobbies, movie nights, and all the extra ''stuff'' that needs its own space. The entire interior has been painted for a fresh, clean look throughout. Beautiful engineered wood laminate flooring extends through the lower level, while generous living spaces and an updated fireplace surround create a polished main gathering area. The patio sunroom creates a quiet place to sit, read, relax, or enjoy separation from the main living areas.

5
BEDS
3
BATHS
3,015
SQFT
0.16
ACRES

Welcome to Amreston Homes Santa Fe Plan! The welcoming full-light front door sets the stage, opening into this stunning 1,888 sq. ft., 4-bedroom, 3.5-bathroom new construction home. Built for maximum efficiency, this all-electric design blends sustainable living. The interior features impressive 8ft interior doors, a warm color palette, and striking black hardware throughout. The chef's kitchen serves as a visual masterpiece with a large waterfall island, while the inviting open concept living space boasts an electric fireplace. Situated on a sprawling half-acre lot, you'll love the outdoor freedom of the extended covered patio option and ample space for your RVs and ATVs. Tour today!

4
BEDS
3
BATHS
1,888
SQFT
0.5
ACRES

Which is more stunning--the home or the views? This beautiful Santa Fe-style home in Rio Rancho welcomes you through a charming courtyard into a warm great room featuring a classic kiva fireplace, beamed tongue-and-groove ceilings, and a dramatic wall of windows showcasing breathtaking bosque and mountain views. The open kitchen offers generous gathering space and a large pantry. Three secondary bedrooms surround a cozy den with a second kiva fireplace. The private primary suite features mountain views, dual sinks, two walk-in closets, a jetted tub, and separate shower. Enjoy the landscaped backyard with a covered patio and an insulated shed with electricity, perfect for a workshop, studio, or hobby space. Newer roof (2023) and HVAC (2023).This incredible property offers all this and more.

4
BEDS
3
BATHS
3,116
SQFT
0.5
ACRES

Experience elevated living in this beautifully crafted home with stylish upgrades, perfectly situated in the sought-after Cabezon community! Bright front living area showcasing beautiful upgraded laminate wood flooring. Tastefully updated kitchen with refreshed cabinetry, quartz countertops, designer backsplash, stainless steel appliances, updated lighting and fixtures, plus a pantry. The adjacent dining area creates a seamless flow for gatherings. Owner's suite with a vaulted ceiling, walk-in closet, and stunning remodeled bath featuring a barn door entry, dual vanities, a freestanding soaking tub with custom tile surround, and a walk-in shower. Enjoy the privacy of a fully walled backyard complete with a covered patio.

4
BEDS
2
BATHS
2,009
SQFT
0.15
ACRES

4
BEDS
3
BATHS
3,096
SQFT
0.5
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.