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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 407 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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What a beautiful home filled with thoughtful upgrades throughout! Enjoy paid SOLAR panels, reducing monthly bills to around $12. Reverse osmosis, water softener, and a tankless water heater. The inviting sunroom features curtains and doors that open wide to bring the outdoors in. Step outside to a charming gazebo, ideal for enjoying New Mexico evenings. Backyard has views of the Sandia. Inside, the open kitchen boasts a huge island, gorgeous granite countertops, stainless steel appliances, upgraded tile, and stunning exposed ceiling beams. Custom fireplace in the living space, adding warmth and character. Barn doors provide stylish separation for the bathrooms, and a versatile flex room offers options for a home office or a fourth bedroom. This truly is a special place to call home.

3
BEDS
3
BATHS
2,181
SQFT
0.14
ACRES

Brand new heating and cooling system as well as newly updated HVAC. So clean and move-in ready! This beautiful 4-bedroom, 3-bathroom home in the desirable Northern Meadows subdivision is the perfect place to call your own. The spacious primary suite features a large walk-in closet and a lovely sitting area, creating a true private retreat. With generous living areas and a functional layout, this home offers comfort and flexibility for everyday living and entertaining. Conveniently located near Cleveland High School and just minutes from Unser Blvd with easy freeway access to both Rio Rancho and Albuquerque. Enjoy being close to the Santa Ana Star Center, shopping, dining, parks, and everyday conveniences. Schedule your showing today!

4
BEDS
3
BATHS
2,066
SQFT
0.16
ACRES

MOTIVATED SELLER. Must see this almost new 2025 move-in ready 3 Bedroom, 2 Bath 1,435 sq ft manufactured by Clayton homes on a 1 acre lot with spectacular views of the city lights, mountains and only 5-7 minutes away from shopping, casino, entertainment and schools nearby. Home includes two custom tiled showers, open kitchen area with all stainless-steel appliances, lots of cabinet space and center island with lower cabinets for more storage. Double pane thermal windows all come with installed blinds. LED recessed lighting throughout home, smart thermostat, new Rheem water heater with heat pump and includes refrigerated air to cool off home, new 1,200 gal septic tank. The land has all been leveled and cleared for future building. Must come and see for yourselves.

3
BEDS
2
BATHS
1,434
SQFT
1
ACRES

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

Motivated Seller!!! Seller is 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 move-in ready. The open, light-filled layout features wood-plank tile, 8-foot doors, and expansive windows leading to a covered patio and private backyard. The kitchen offers a granite island, stainless appliances, gas cooktop, and built-in oven and microwave. Enjoy low-maintenance turf, raised beds, and fruit trees outdoors. Additional highlights include smart home features, a security system, and New Mexico Green Built certification. Mariposa offers trails, open space, a community center, fitness facilities, and indoor/outdoor pools. Seller will pay 6 months of HOA dues with acceptable offer.

4
BEDS
2
BATHS
1,983
SQFT
0.21
ACRES

Move in ready! No backdoor neighbor offering privacy with tall block wall. 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

Custom Rachel Matthew's home on an oversized premium lot featuring a new wraparound covered patio, private courtyard, and attached casita with separate entrance--ideal for multigenerational living or guests. Light-filled interior showcases floor-to-ceiling tempered glass windows, designer finishes, spa-style owner's suite with snail shower, split closets, and private sitting area. Energy-efficient upgrades include a new tankless water heater, custom blinds, and an extended 3-car garage with custom shelving and new garage door opener. Enjoy the incredible mountain & city views seated around your custom gas firepit. Located in Mariposa with access to a resort-style community center, gym, pool, reservable offices, and miles of paved walking paths. This is ideal living at its finest!

4
BEDS
4
BATHS
3,135
SQFT
0.51
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

OWNER OFFERING % BUY DOWN OPTION - ASK LISTING AGENT FOR DETAILS Nestled in prestigious Loma Colorado. 2499-SQ FT 4 bedroom sanctuary pairs an open floor plan and extended pergola-covered patio backing onto Loma's largest open space. The culinary hub is beautifully appointed, solid-surface countertops, four-seat social island, and a dedicated dining area. 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 & one w/ private bath, 2 car garage. 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

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

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

4
BEDS
4
BATHS
2,343
SQFT
0.18
ACRES

4
BEDS
2
BATHS
1,602
SQFT
0.12
ACRES

Definitely an opportunity to explore! NEW CONSTRUCTION in a great location! This home offers elegance, comfort and practicality. Open concept floorplan feels spacious and bright, offering 4 bedrooms, 2.5 bathrooms and a fully finished and insulated 3 car garage. This home showcases a beautiful kitchen with a 48'' gas range, pot filler and other luxury amenities. Large covered patio in the back includes TV hook up and a gas stub out. This beauty sits on a spacious half acre lot with back yard access. There is a circular driveway and low maintenance landscaping with a french drain system.

4
BEDS
3
BATHS
2,280
SQFT
0.5
ACRES
$524,900
-24,100$ 05/18

3-2-1 interest rate buydown available with use of builder's preferred lender. Terms and eligibility subject to lender approval. Fellowship Homes' newest single-level property offering a private in-law suite. This well-designed plan offers 4 bedrooms, including an attached in-law quarters with its own exterior entrance, along with 3 bathrooms and a finished 3 car garage, all on a 1/2-acre lot w/backyard access. Luxury finishes elevate every space, featuring vinyl plank flooring, solid wood cabinetry, solid-surface countertops, hand-troweled wall texture, & more. Tall ceilings and abundant natural light bring warmth to the open layout, perfect for entertaining. The primary retreat includes dual sinks, a walk-in shower, and an oversized closet with direct laundry access. Schedule a tour today!

4
BEDS
3
BATHS
1,901
SQFT
0.5
ACRES
$675,000
-24,000$ 05/20

3-2-1 buydown available with preferred lender (qualification required). Fellowship introduces their newest build, set on a wide footprint 1/2 acre lot in the heart of Rio Rancho. This stunning floor plan offers 4 bedrooms + flex space, 2.5 bathrooms, and a finished 3-car garage w/ backyard access. Elevated finishes include solid-surface countertops, solid wood cabinetry, LVP flooring, and refined designer touches throughout. Tall ceilings and an open, light-filled layout create a sophisticated yet welcoming atmosphere that opens to a stunning covered patio. 3 bedrooms and a full bath located on one side provides ideal separation, while the private primary suite features a spa-inspired bath, dual sinks, a spacious shower, and a large closet with direct laundry access. No HOA or PID.

4
BEDS
3
BATHS
2,421
SQFT
0.53
ACRES

Welcome to this well maintained single story home located on a desirable corner lot in Rio Rancho! Featuring attractive curb appeal with a classic stucco exterior, clean architectural lines, this home offers both comfort and functionality. The corner lot enhances privacy and creates a more open, spacious feel with possible backyard access. Inside, you'll find a thoughtfully designed layout perfect for everyday living and entertaining. Conveniently located near schools, parks, shopping, and dining, this home offers both comfort and accessibility in a growing Rio Rancho community.A great opportunity to own a move-in ready home. Schedule your showing today!

3
BEDS
2
BATHS
1,703
SQFT
0.17
ACRES
$625,000
-10,000$ 05/13

Elegant Pulte Yucca floor plan built in 2025 with over $18K invested in a BEAUTIFULLY landscaped backyard! Set in Rio Rancho's Los Diamantes community, this home blends modern design with light-filled living spaces that flow easily from room to room. The open kitchen features granite countertops, stainless steel appliances. Great room with a modern style gas fireplace and dramatic volume ceilings. Downstairs primary suite and flexible office as well for ease of main floor living.Upstairs, three additional bedrooms and a spacious loft with 2 additional full bathrooms. Oversized 3 car tandem garage.

4
BEDS
4
BATHS
2,720
SQFT
0.14
ACRES

Imagine the flexibility to live, work, and unwind exactly how you want. Located in the desirable Estates at High Resort, this beautifully maintained home offers three bedrooms, a dedicated office, and a versatile hobby room that could easily serve as a fourth bedroom. The heated and cooled sunroom provides year-round space for relaxing or entertaining. Custom shutters add privacy and warmth throughout. The stunning kitchen is designed for gathering, featuring stainless steel appliances, double ovens, a gas range, quartz countertops, two pantries, and abundant cabinetry. The spacious primary suite includes a jet tub, separate shower, and dual sinks. Impeccably maintained and move-in ready!

3
BEDS
3
BATHS
3,123
SQFT
0.23
ACRES

YES $20,000 FLEX CASH. 3 car tandem garage! Step into the Yellowstone - a brand new, DR HORTON home. Beautifully crafted new construction home with an open-concept layout perfect for modern living. This single-story design offers 4 spacious bedrooms and 2.5 baths. With over 2,000 sq. ft. you'll love the seamless flow between the kitchen, dining, and living areas - ideal for entertaining or everyday comfort. Upgraded kitchen with stainless built in appliances and an island. Grey wood look plank tile floors throughout home except luxury carpet in bedrooms. Deep Grey 42 inch cabinets are NICE. Big covered patio, a true SMART HOME. Located in desirable Lomas Encantadas, Rio Rancho, this home blends style, space, and convenience in one smart design. (photos of model home colors vary

4
BEDS
2
BATHS
2,007
SQFT
0.12
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.