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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 414 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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Motivated Sellers!!! $4K Sellers concession being offered at closing. Immaculate home in Rio Rancho with no HOA! Conveniently located within ~2 miles of K-12 schools, shopping, dining, and parks. This 4-bedroom home offers 2 spacious living areas and a chef-inspired kitchen perfect for gatherings. A key feature is the fully professionally landscaped backyard oasis, along with wood accent beams, a built-in bar, and an electric fireplace that add warmth and character. Enjoy added privacy with open space behind the home and beautiful Jemez Mountain views. Recent upgrades include a new metal roof, new water heater, new garage door, dishwasher, EV charger, pergola, and a hot tub that conveys. Close to the new City Centre and nearby park. Schedule your showing today!

4
BEDS
3
BATHS
2,218
SQFT
0.12
ACRES
$549,000
-18,500$ 06/24

This immaculately maintained home checks all the boxes and is ideally located in the highly sought-after Mariposa community! Open, bright, and thoughtfully designed, the floor plan enhances both everyday living and entertaining.The dream kitchen features expansive quartz countertops, abundant cabinetry, and a large island that anchors the space--perfect for gatherings. The spacious great room opens to a covered patio with sweeping views of the surrounding mesas and New Mexico sunsets, creating a seamless indoor-outdoor living experience. The primary bedroom and bath offer a relaxing retreat, complete with an oversized walk-in closet. This Richmond American home features two primary suites for a total of four bathrooms, providing flexibility and comfort for family or guests.

4
BEDS
4
BATHS
2,581
SQFT
0.15
ACRES

Step into a home that combines comfort, space, and thoughtful upgrades in one of Cabezon's most desirable locations. This popular floorplan features a private primary suite on the main level, tall ceilings, and an open living area filled with natural light from oversized windows. The kitchen and living spaces flow effortlessly, creating a warm and inviting atmosphere perfect for everyday living or entertaining. Additional features include upgraded stair railings, plantation shutters, spacious walk-in closets in every bedroom, a relaxing jetted tub, and a 3-car garage. Outside, enjoy established landscaping, a retractable patio awning, and added storage with the included shed. Conveniently located near parks, trails, and community amenities. *Roof maintenance done June 2026.

3
BEDS
3
BATHS
2,132
SQFT
0.17
ACRES
$850,000
-15,000$ 06/24

Owner financing available for qualified buyers. Ask about closing cost assistance and interest rate buy-down options. Resort-style living on over half an acre in one of Rio Rancho's premier custom-home corridors. This 2022 contemporary home features soaring ceilings, a chef's kitchen with quartz countertops, oversized island, walk-in pantry, radiant floor heat, owned solar, Cat 6 wiring, smart home technology, EV-ready garage, and custom closet systems. The owner's suite offers spa-inspired finishes, mountain views, and backyard access. Outside, enjoy a heated saltwater pool with tanning ledge and automatic cover, multi-use sports court, in-ground trampoline, playground, covered patio, fire pit, RV access with cleanouts, and room to entertain year-round. Truly turnkey luxury living.

4
BEDS
3
BATHS
2,727
SQFT
0.56
ACRES

Incredible financing incentives are available with our in-house lender, DHI Mortgage PLUS $5,000 toward your closing costs! The Venice by D.R. Horton is a stunning 3 bedroom, 2.5 bath home featuring a spacious 3-car tandem garage & an open-concept design perfect for entertaining. The great room and dining area flow seamlessly into a chef-inspired kitchen with Whirlpool appliances, beautiful pendant lighting & a generous pantry. You'll find ceramic tile throughout the kitchen, dining area, living room, all wet areas, while the spacious primary suite offers double vanities, a luxurious tiled SUPER shower & a large walk-in closet. Additional upgrades include soaring 11-foot ceilings in the living room, 8-foot interior doors & SO MUCH MORE!

3
BEDS
3
BATHS
1,888
SQFT
0.12
ACRES

Welcome to this stunning custom, Amish-built Craftsman-style two-story home, perfectly situated on a private street in the heart of Rio Rancho, NM. Offering an impressive 4,400 square feet of thoughtfully designed living space, this one-of-a-kind property. This spacious home features 5 bedrooms and 4.5 bathrooms, with three bedrooms on the main level and two bedrooms on the upper. A dedicated office space makes working from home both comfortable and efficient. The home also includes generous walk-in attic storage, ensuring plenty of space for organization without sacrificing living areas. Set on a beautifully sized 1/2-acre lot, it boasts a spacious side yard offering room for recreational vehicles. This home is a rare combination of custom craftsmanship, spacious design, and prime​​‌​​​​‌​​‌‌​​‌​​​‌‌​‌‌‌​‌​​​​‌‌​​‌‌​​‌​ location.

5
BEDS
5
BATHS
4,400
SQFT
0.38
ACRES

Exceptional custom home on a fully landscaped and fully gated .5 acre lot in Rio Rancho featuring upscale finishes and thoughtful design throughout. Offering over 3,100 sq ft, this 4 bedroom, 3.5 bath residence showcases soaring ceilings, multiple living areas, custom cantera accents, and abundant natural light. The chef's kitchen is equipped with premium Wolf appliances, Sub-Zero refrigerator, custom cabinetry, and generous prep space ideal for entertaining. Luxurious primary suite with spa-like bath and oversized closet. Enjoy the outdoor grilling area, custom putting green, and beautifully designed backyard spaces perfect for entertaining. Fully finished garage features custom flooring, a 2-car garage setup plus an additional oversized roll-up door for added flexibility and storage.

4
BEDS
4
BATHS
3,182
SQFT
0.5
ACRES

Step into our Inspiration floor plan-A stunning 3 bedroom, 3 full bath home designed for both comfort and style, featuring an oversized 2-car garage plus a dedicated office study. The expansive family room showcases soaring 11-foot ceilings, while 8-foot doors throughout enhance the open, upscale feel. At the heart of the home is open kitchen with built-in appliances, waterfall countertops, pendant lighting and modern finishes perfect for entertaining. The primary suite offers a spa-like retreat with a large SUPER SHOWER w/bench. Additional highlights include a glass front door and elegant skip trowel texture throughout the home. A perfect blend of luxury, function & thoughtful design. Plus incredible financing incentives are available with our in-house lender DHI Mortgage!

3
BEDS
3
BATHS
1,911
SQFT
0.12
ACRES

Great 4 Bedroom home, well maintained with open floor plan throughout the kitchen/Dining/Livingroom area. Gas Cooktop with 5 burners. Double Sinks and Large Walk-in Closet in the Master area. Some upgrades includes Granite Countertops, Special Backsplash behind Cooktop area, French Doors that leads to the Patio area, Jetted Tub In Master Bath area and a Sitting area in the Master Shower. Complete landscaping in front and rear. Also, a walking path on side of home that connects to a walking trail in rear of home.

4
BEDS
2
BATHS
1,907
SQFT
0.11
ACRES

Welcome to a home that truly has it all--located in the newest phase of Lomas Encantadas in beautiful Rio Rancho! This thoughtfully designed 3-bedroom, 2.5-bathroom home offers plenty of space, smart storage solutions, and natural light that shines from every corner--literally. Set in the expanding community of Lomas Encantadas, you'll enjoy a scenic setting with nearby parks, trails, and all the conveniences Rio Rancho has to offer. With upgraded finishes and room to grow, this home is a perfect match for families, professionals, and anyone who appreciates smart design and sunny living.

3
BEDS
3
BATHS
2,075
SQFT
0.17
ACRES

Come see this lovely custom passive solar adobe home which is move in ready! Three bedrooms & two completely updated bathrooms. Primary bedroom features, walk-in closet, access to solar hallway & a private patio. Two large living areas featuring beamed ceilings, both Kiva & woodstove fireplaces. Brick & luxury vinyl flooring. Home maintains its older charms with the best modern updates. Kitchen includes beautiful quartz countertops, large pantry, & all new appliances, including dishwasher, refrigerator, stove, microwave, washer & dryer. Attach garage is oversize with lots of storage space. It has built-in shelves & a workspace. Low maintenance landscape in the front yard & a giant brick patio out back off of the solar hallway, plus backyard access. Nice size lot is .27 acres. Excellent

3
BEDS
2
BATHS
2,351
SQFT
0.27
ACRES

Amazing home in highly sought after gated neighborhood of Loma Colorado, Tres Colinas. Largest lot in neighborhood at .3 acres, 6 full bedrooms with separate office, attached four car garage with detached 16'x50' fully finished and insulated RV garage that could also be used as shop, home gym, etc. Sellers are the original owners who built the house with every option, including large sliding door from den to covered patio, recirculation line for tankless water heater for instant hot water, laundry room with full cabinets and sink, attached garage is fully insulated/finished with 220v electric outlet and utility sink. Multiple improvements have also been completed: Built in lockers/benches at garage entry, remodeled pantry, custom wood burning fireplace,

6
BEDS
4
BATHS
3,514
SQFT
0.3
ACRES
$446,665
-22,304$ 07/01

This inviting 1,530 sq. ft. home offers high-performance living with NM Build Green Gold certified for superior energy efficiency. The interior features a luminous, polished aesthetic with light cabinetry, a clean-lined backsplash, and stunning quartz countertops throughout. Modern black hardware and fixtures perfectly accent the 6x35 wood-plank tile found in all living and wet areas, while carpet adds comfort to the 3 bedrooms. The kitchen has stainless steel appliances and eat-in island. Complete with a 2-car garage and situated in a premier community near shopping and dining, this home is perfect for a sophisticated, low-maintenance lifestyle. Please note home is staged for illustrative purposes and all furnishings are not included with the sale. Call to schedule your tour today!

3
BEDS
2
BATHS
1,530
SQFT
0.23
ACRES
$621,230
-3,895$ 07/01

Experience high-performance living in this brand-new 2-story home, proudly NM Build Green Gold Certified for superior energy efficiency. This spacious 4-bedroom, 3-full bath floor plan features an expansive open-concept layout perfect for entertaining. The gourmet kitchen includes an eat-in island and a walk-in pantry with additional cabinetry, ideal for a coffee bar. The private owner's suite is conveniently located on the main level, boasting a double vanity, a luxurious soaking tub, and a separate shower. Upstairs you will find 2 of the 4 bedrooms and a large loft, offering a versatile space for a home office or media room. Complete with a 3-car garage and a large backyard with a covered patio, this home offers modern comfort near shopping and dining. Call for your tour today!

4
BEDS
3
BATHS
2,580
SQFT
0.17
ACRES

Boasting two stories of inspired living space, the handsome Hemingway plan greets guests with a welcoming covered porch. The main floor offers a versatile flex room with a French door, a spacious great room, and an open dining area that flows into a thoughtfully designed gourmet kitchen featuring a center island, a walk-in pantry, and a morning room with an adjacent covered patio. On the second floor, you'll find a laundry, a shared bathroom, and five bedrooms, including a beautiful primary suite with an immense walk-in closet and private bath.

5
BEDS
4
BATHS
2,715
SQFT
0.17
ACRES

The ranch-style Augusta floor plan boasts ample space for entertaining, including an expansive great room with a cosmo fireplace, a dining area and a gourmet kitchen with a center island and built-in pantry. Other notable features include a large primary suite with an attached deluxe bath and roomy walk-in closet, two guest bedrooms that share a bath, and a laundry. Personalized with a corner-meet door at an extended patio and French doors at the study.

3
BEDS
2
BATHS
2,105
SQFT
0.17
ACRES

The ranch-style Augusta floor plan boasts ample space for entertaining, including an expansive great room, a dining area and a gourmet kitchen with a center island and built-in pantry. Other notable features include a large primary suite with an attached bath and roomy walk-in closet, two guest bedrooms that share a bath, and a laundry with sink and cabinet options. Personalized with a corner-meet that leads to an extended patio.

3
BEDS
2
BATHS
1,970
SQFT
0.17
ACRES

Welcome to 600 Rio Hondo--where comfort meets thoughtful design. This ADA-compliant home features wider doorways, a roll-in shower, and a wheelchair-accessible sink, offering ease of living without sacrificing style. The functional layout is filled with natural light and provides a seamless flow between living spaces, perfect for both everyday living and entertaining. The kitchen and main areas are designed for convenience and connection.For added peace of mind, the seller has already completed a pre-listing home inspection, and no major issues were identified.Situated on a spacious lot, there's room to enjoy the outdoors while maintaining privacy. Whether you need accessibility features or simply appreciate smart design, this home offers flexibility, comfort, and a place to truly feel

3
BEDS
2
BATHS
2,133
SQFT
0.5
ACRES

Beautiful single-story home offering a spacious and highly functional floorplan designed for both everyday living and entertaining. Multiple living areas provide flexibility for relaxing, working, or hosting guests. The open-concept kitchen flows seamlessly into a large living room with soaring high ceilings and a cozy gas fireplace. Upgraded bathrooms feature modern finishes throughout. The spacious primary suite serves as a private retreat featuring double sinks, a stand alone jetted tub, and a vast walk-in closet. Step outside to an expansive covered patio with its own fireplace, perfect for year-round enjoyment, overlooking a lush, green backyard oasis. Located in a desirable area, this home also includes a three-car garage with ample space for storage and convenience.

4
BEDS
4
BATHS
3,379
SQFT
0.22
ACRES

APPRAISED LISTING PRICE! Seller offers an improvment allowance toward landscaping. A rare 4 - 5 bedroom, unique TRI-LEVEL custom home in the quiet established Panorama Heights Neighborhood in the Heart of Rio Rancho. This newly renovated, turnkey home offers approximately 3,821 sq ft of spacious, open-concept living. The property features a new roof, new stucco, high ceilings, and an abundance of natural light provided by numerous windows and skylights. The home has been renovated to include remodeled upstairs bathrooms, new carpet, new custom window blinds, and modern lighting fixtures. Additional upgrades include new toilets, hardware, all new carpet and paint. A significant highlight is the additional 550-square-foot multi-purpose room, which provides a flexible space perfect for

5
BEDS
4
BATHS
3,791
SQFT
0.35
ACRES

.68 Acre oversized fenced lot, 4 bedrooms, Refrigerated air, single story house in southern Rio Rancho!! Hard to find something like this under 400k in Rio Rancho. Tile flooring throughout entire house. Open kitchen and living area. 2 spacious bathrooms with extended counter space. Attached 2 car garage. This corner lot is great for someone who's looking for space and privacy. Lot was recently fully fenced.

4
BEDS
2
BATHS
1,527
SQFT
0.68
ACRES

Looking for a ranch-style floor plan? Put the Arlington at the top of your list! This smartly designed home offers a generous open great room, dining room and gourmet kitchen, three bedrooms with a shared bath, and a separate primary suite with private bath and walk-in closet. Conveniences like the mudroom, laundry room, broad kitchen island, built-in pantry and covered patio add to the plan's single-floor appeal.

4
BEDS
2
BATHS
1,955
SQFT
0.17
ACRES

Looking for a ranch-style floor plan? Put the Arlington at the top of your list! This smartly designed home offers a generous open great room with a multi-slide patio door, dining room and gourmet kitchen, two bedrooms with a shared bath, and a separate primary suite with private bath and walk-in closet. Conveniences like the mudroom, laundry room, broad kitchen island, built-in pantry and covered patio add to the plan's single-floor appeal.

3
BEDS
2
BATHS
1,810
SQFT
0.17
ACRES
$550,000
-4,900$ 06/28

$2,500 BUYER CREDIT + OWNED SOLAR!MOVE-IN READY in the highly desirable Lomas Encantadas community in Rio Rancho! This stunning 2022 Abrazo home offers 3 bedrooms + an office, 2.5 bathrooms, open-concept living with soaring 10-12 ft ceilings that bring in tons of natural light and space. Enjoy a 3-car garage with overhead storage, soft water system, and an entertainer's bar complete with a beer & wine fridge perfect for hosting. The backyard is fully landscaped and built for year-round enjoyment with a gazebo, outdoor kitchen/BBQ, and an extended patio. Motivated sellers are offering a $2,500 buyer credit plus owned solar, making this an incredible value in today's market. Opportunities like this don't come around often schedule your private showing today!

3
BEDS
3
BATHS
2,488
SQFT
0.17
ACRES

PRICE IMPROVEMENT!Experience True SW Living at its finest!Horse permitted!Elevated corner lotViews Galore of city lights, Sandias & Santa Fe lightsPrivate CourtyardRamped entrancesWood windowsWood trim and solid wood doors throughout Cozy Wood burning kiva Refrigerated airGranite42'' upper cabinets with crown molding.Recessed lighting in kitchenGlass block over cabinets in kitchen lets the light in!Built in plate rackSkylightsTall ceilings2 LALarge master with French doors to patioMaster bath jet tubGrab barsCeiling fansLaundry room with cabinets and folding table ShedFruit trees abound including Apple, pomegranate, pear, cherry, apricot and grapes.New water heater (2026)Newer TPO roof (2020)RV Hook up w/ 50amp servBeautiful, well c

4
BEDS
3
BATHS
2,672
SQFT
1.05
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.