FHA Eligible Homes in Santa Fe

5 JR Drive, Santa Fe

*Under 48 Hour Right of First Refusal* INCREDIBLE FIND - 1.5 acre property w/quality dream home, 1,206 sq ft workshop, and included 0.75-acre parcel zoned for either residential, commercial, or agricultural. Found just 20 minutes from either Santa Fe Plaza or Los Alamos National Labs in the coveted & fertile Pojoaque valley complete w/irrigation water rights. Special features of the home incl: new roof, newly painted interior & exterior, energy-saving Pella thermal windows, in-floor radiant heat for cozy winter days, 2 low-maintenance gas diamond plaster kiva fireplaces, tile or new high-quality engineered wood flooring throughout (no carpet!), updated baths, and a total kitchen remodel w/new cabinetry | stainless steel appliances | granite slab countertops. Also available on 0.75 acre lot

15 N Sierra Place # B, Santa Fe

Charming single-level adobe townhome in Santa Fe's Valle Vista community, offering 2 bedrooms, 1 bath, and convenient access to the 599 Rail Runner. Recent updates include refrigerated air, new appliances, fresh interior paint, new carpet, upgraded bedroom closets, and added attic insulation. Custom tile flooring adds Southwestern character, along with pantry space and stackable washer and dryer. Outside, a new driveway gate leads to a fully fenced yard with a covered dining area, fiesta porch, flagstone walkways, fruit trees, and raised garden beds ready for your personal touch. A storage unit and attic provide additional storage, while multiple outdoor access points make it easy to enjoy Santa Fe's beautiful days and outdoor living.

7240 Vista Serena Loop, Santa Fe

One of the very few homes under $550k in Santa Fe, Welcome to 7240 Vista Serena Loop, where modern living meets the breathtaking beauty of Santa Fe! This stunning 2021-built, two-story home offers 3 bedrooms, 2.5 bathrooms, and 1,630 square feet of thoughtfully designed living space that is turnkey and move-in ready. Built just a few years ago, you'll enjoy the peace of mind that comes with everything being newer from the systems to the finishes. Step inside and immediately feel the difference. The open, contemporary layout is flooded with natural light, creating a warm and inviting atmosphere from the moment you walk through the door. The modern kitchen is as functional as it is beautiful, offering ample storage and a seamless flow into the spacious living areas, perfect for everyday living and effortless entertaining. Refrigerated AC keeps things cool and comfortable year round. Out back, prepare to fall in love. The serene backyard overlooks stunning natural surroundings that offer a sense of peace and privacy you can't put a price on. Did we mention the location?? Absolutely unbeatable. Just 15 minutes from the vibrant culture, dining, and charm of downtown Santa Fe, and approximately 45 minutes to Albuquerque, you get the best of both worlds without sacrificing either! Schedule your private showing today!

689 Gonzales Road, Santa Fe

Beautiful views, incredible sunsets, and endless possibilities! Ideally located in Santa Fe, this spacious 4-bedroom, 3-bath home offers breathtaking views of the city and surrounding mountains. With generous living spaces and a screened porch, there are plenty of places to relax, entertain, and take in the spectacular scenery. This property offers tons of opportunity to make it your own, whether you're looking to update, personalize, or create your ideal Santa Fe retreat. Conveniently located just 5 minutes from private schools and 8 minutes from the historic Santa Fe Plaza, with shopping, dining, and major amenities nearby. A wonderful opportunity to create something special in a sought-after location! Ask about mortgage rate buy down. Seller paid.

38 Calle Ancla, Santa Fe

Built by the current owners and used exclusively as a second home, this well-cared-for Rancho Viejo residence has been very lightly lived in and offers an appealing balance of comfort, flexibility, and convenience. Part of Rancho Viejo's Encantado series, the home features two bedrooms plus a den/flex room that lends itself beautifully to a dedicated home office, creative space, or additional living area. The main living spaces flow naturally together, creating an inviting setting for both quiet days at home and gathering with friends. At the center, the upgraded kitchen features granite countertops, a custom backsplash, and a generous island with seating--an easy place to gather over coffee, conversation, or a casual meal. Zero interior steps enhance the ease of living, while the private rear-entry two-car garage preserves the home's welcoming streetscape. The covered portal and side yard extend the living space outdoors, offering a comfortable spot for dining, gardening, or simply enjoying Santa Fe's climate. Rancho Viejo was thoughtfully planned around open space, wildlife corridors, and miles of walking paths, creating a genuine connection to the high-desert landscape. Equally special is its commitment to dark skies, allowing the stars and expansive New Mexico night sky to remain part of the experience of living here. All of this comes with remarkable everyday convenience--minutes from Santa Fe Community College, the Institute of American Indian Arts, Presbyterian Santa Fe Medical Center, the Rail Runner Station, dining, shopping, and other Santa Fe amenities. With its own community fire station and an easy, low-maintenance setting, the property is particularly well suited as a Santa Fe second home or full-time residence.

2901 Camino Del Gusto, Santa Fe

Discover this charming single-level home on a spacious lot in Santa Fe's established La Resolana neighborhood. Offering approximately 1,021 square feet, the home features three bedrooms, one full bathroom, and a comfortable den addition with a wood-burning fireplace. Brick and tile flooring, insulated windows, forced-air heating, and evaporative cooling add to the home's appeal.Enjoy shaded outdoor living beneath the backyard portal. The property also includes a drive-through carport with backyard access, a storage shed, and an additional detached structure currently used as a game room. Conveniently located near parks, schools, shopping, and Santa Fe's cultural and commercial destinations.Motivated seller--quick sale needed! Multiple purchase options may be available, including a potential real estate contract or other creative financing structure with approximately $40,000 down, subject to seller approval, existing loan terms, title review, and all required documentation. Contact the listing broker for complete details. Owner Financing Available!

6755 Camino Carlita, Santa Fe

Welcome to your own little slice of Santa Fe in the desirable Tierra Contenta community, where warm New Mexico days, colorful sunsets, and easygoing living come together beautifully. This well-loved home has been thoughtfully refreshed with beautiful new wood flooring throughout, new mini-splits for year-round comfort, and recent roof maintenance.The kitchen is ready for everything from morning coffee and breakfast burritos to evenings spent cooking with friends. There's plenty of cabinet and counter space, a breakfast bar for gathering, plus a new gas range, dishwasher, and refrigerator. Three generously sized bedrooms offer comfortable retreats, while the conveniently located laundry area includes a new washer and dryer. An attached two-car garage and ample driveway parking take care of the practical side of life, but the real charmer may be the generous gated patio. String up the lights, bring out the colorful pots, pour something refreshing, and settle in for dinner beneath that famously beautiful New Mexico sky. Comfortable, colorful, and wonderfully Santa Fe, this Tierra Contenta home has been lovingly updated and is ready for its next chapter. Come take a look. You just might find your happy place in the City Different.

815 Allendale Street, Santa Fe

Discover the charm and convenience of central Santa Fe living at 815 Allendale Street. This unique home features hardwood floors and a generous floor plan with a finished basement area and a room that could serve as a second bedroom with a closet. Additional highlights include a one-car garage and easy access to Santa Fe's renowned restaurants, shopping, galleries, and entertainment. Whether you're looking for a full-time residence, Santa Fe getaway, or investment opportunity, this property is ready for you to make it your own. Come experience all that Santa Fe has to offer!

4708 Contenta Ridge, Santa Fe

$5K Seller Credit! Tucked away down a quiet cul-de-sac, this Pueblo-style home offers 3 bedrooms, 3 bathrooms, an office, and a 2-car garage, all in a stunning setting that backs directly to open space. Surrounded by breathtaking views of the Sangre de Cristo, Ortiz, Sandia, Manzano and Jemez mountain ranges, this home captures New Mexico sunsets, sunrises and spectacular panoramic scenery in nearly every direction. The yard is fully landscaped and ready to enjoy, featuring a spacious portal/patio, water feature, fruit trees, and a large hot tub beneath a gazebo. Inside, enjoy a cozy kiva fireplace and Southwestern touches throughout. Upstairs, the primary suite offers a private balcony with incredible views. A newly installed (12/2025) TPO roof with a transferable warranty adds valuable peace of mind. With its exceptional outdoor living spaces, scenic greenbelt setting, and Santa Fe style, this home is a true Southwestern retreat.

3932 Jaxson Lane, Santa Fe

3 BEDROOM + 2.5 bath + DEN/STUDY | $6,000 SELLER CREDIT! Motivated sellers are offering buyers a $6,000 credit that may be applied toward an interest-rate buydown or closing costs, subject to lender approval--a major bonus that can help reduce the buyer's upfront costs or potentially lower monthly payments.Like-new and built in 2022, this beautifully maintained single-level home features 3 bedrooms, 2.5 bathrooms, PLUS a dedicated den/study within a thoughtfully designed 1,574+/- sq. ft. floor plan. The den is additional flexible living space and is not being represented as a fourth bedroom.The bright, open-concept living, dining, and kitchen areas are filled with natural light and designed for comfortable everyday living and entertaining. The well-appointed kitchen features stainless steel appliances, a gas cooktop, soft-close cabinetry, abundant storage, granite countertops, and generous workspace.The spacious primary suite offers a private retreat with a walk-in closet and three-quarter en-suite bath with walk-in shower. Two additional bedrooms share a convenient Jack-and-Jill bathroom, while the separate den/study near the front entry provides an ideal space for a home office, library, hobby room, media room, or additional living area. Ceiling fans in all three bedrooms and the living room, along with refrigerated air, provide year-round comfort.Enjoy true single-level living with no interior steps. Outside, low-maintenance gravel landscaping in the front and back makes upkeep easy, while the covered patio offers a comfortable place to relax or entertain. An attached two-car garage provides direct access to the home.Conveniently located near shopping, dining, parks and major commuter routes, this move-in-ready home combines modern finishes with easy, low-maintenance Santa Fe living. HOA dues are just $45 per month and cover road maintenance and minimal landscaping of common areas.

3142 Floras Del Sol Street, Santa Fe

Welcome Home to this sweet house built in 2014. Lush landscaping with mature trees greet you as you arrive. Inside you'll find a partially open living room/dining room/kitchen with space to relax. The stainless steel appliances stay with the home, and accent the nicely appointed kitchen. The primary bedroom has plenty of space with a walk in closet, and a soaking tub in its private bathroom. The bedroom off of the living area can be a great home office, or a bedroom with french doors. Tile and vinyl flooring throughout. Head outside to the landscaped backyard and find real grass, some xeric plants, a glorious aspen tree and shade. Theres plenty of room for a BBQ or gathering, or space for happy pets. The community has a nice park and green spaces, and is close to 599 and Cerillos for easy access.

6605 Camino Rojo, Santa Fe

6605 Camino Rojo is a one-story Santa Fe home with a functional layout and modern finishes throughout. The kitchen features a center island and stainless steel appliances, creating a well-equipped space for cooking and entertaining. A fireplace anchors the main living area, adding warmth and ambiance to the central gathering space. The primary bedroom includes a walk-in closet for convenient storage and organization. A covered patio extends the living space outdoors, overlooking a fully fenced backyard that creates ample room for relaxation and entertaining. A one-car garage completes this well-maintained residence with practical amenities and comfortable living spaces throughout every room.. Included 100-Day Home Warranty with buyer activation

1507 Kachina Ridge Drive, Santa Fe

Located in Kachina Ridge Subdivision sitting on a Corner Lot. Features Open Floor Plan, 3 Bedrooms, 2 Bathrooms, Arches, Fireplace & Laundry Room w/Storage. Primary Suite is Spacious offers Dual Sinks, Abundance of Natural Lighting, Walk-In Closet, & provides access to Patio. 2 Car Garage, Generous Backyard, New Paint Fence-Canales, Water Heater 2024 & New EV Cooler filters & Belts. Unbeatable access to Restaurants, ShoppIng, Parks/Trails & I-25.

990 Calle Katarina, Santa Fe

Welcome to your charming southwestern-style home! This delightful 3-bedroom, 1-bath home is filled with natural light, showcasing a bright & open living, dining, & kitchen area perfect for entertaining. Relax by the cozy kiva fireplace in the living area, or spend quiet time in the den. Recent updates like the stucco & water heater bring peace of mind, while owned solar power offers efficient energy. The built-in bookshelves add character, & the attached workshop/studio provides endless possibilities. Step outside to a spacious backyard with a shed 2 apricot trees, a cherry tree & ideal for gardening or outdoor gatherings. Don't miss out on this wonderful opportunity!

3 Broken Rock Place, Santa Fe

*Priced Reduced* Motivated Sellers!! Welcome to this 2-bedroom, 2-bathroom single-family home in Santa Fe's desirable Rancho Viejo subdivision. Built in 2000, the residence balances neighborhood charm with easy convenience. The property includes an attached garage and sits in a quiet, peaceful cul-de-sac. This property offers an ideal opportunity to enjoy the beautiful scenery and serene lifestyle of Santa Fe County. Sellers are generously offering $5,000.00 towards flooring of your choice.

856 Gilmore Street, Santa Fe

This inviting 3-bedroom, 2-bathroom home at 856 Gilmore Street was built by Lomouraux Construction Company, Offering approximately 1,350 sq. ft. of living space, the home features beautiful oak flooring, exposed beams in the living room, a new stovetop stove, updated windows, and a modern refrigerated air and heating system. Recent upgrades include a new water heater, plumbing, and fresh roofing and stucco.The front and back yards are nicely landscaped with low-water buffalo grass, and the property includes generous outdoor living spaces -- a 75 sq. ft. front portal patio and a 168 sq. ft. backyard portal patio. Sitting on one of the larger lots in the subdivision (about 6,823 sq. ft.), this home offers both comfort and space.Conveniently located near downtown and the Santa Fe Railyard, the property is not part of the historic district and is within walking distance to Whole Foods, making it ideal for those who value accessibility and modern living in a classic Santa Fe setting. Easy access to St Frances and a short commute to Los Alamos Labs!

42 Victorio Peak, Santa Fe

Welcome to this beautiful 3-bedroom, 2-bath home on a desirable corner lot in Rancho Viejo. Located on a peaceful street, this home offers the perfect place to relax, unwind, and enjoy the beauty of Santa Fe. Filled with an abundance of natural light from numerous windows and skylights, the interior feels bright and inviting throughout. Vinyl flooring extends throughout the home, and a newer roof was completed in 2025.The home also features a one-car garage with direct access into the house and a private walled yard, offering a peaceful space to relax and enjoy the surrounding landscape.Located in the Rancho Viejo community, you'll be within walking distance of beautiful parks, community trails, and Santa Fe's scenic landscape, all while taking in the stunning mountain views.

21 Flower Garland Road, Santa Fe

Bathed in natural light and thoughtfully designed for comfortable living, this exceptional Oshara Village home offers the perfect blend of privacy, convenience, and the quintessential Santa Fe lifestyle. Soaring ceilings, solar tubes, and expansive windows create an airy, light-filled atmosphere, while the open-concept floor plan seamlessly connects the living, dining, and kitchen spaces for effortless entertaining and everyday enjoyment. Designed with both comfort and functionality in mind, the home features distinct yet connected living areas that provide flexibility for gathering with family and friends or enjoying quiet evenings at home. The privately situated primary suite serves as a peaceful retreat, thoughtfully separated from the additional bedrooms for added tranquility.

1692 Upper Canyon, Santa Fe

Along one of Santa Fe's most treasured residential corridors, 1692 Upper Canyon Road offers something increasingly difficult to find: a property with history, privacy, architectural character, and the freedom to imagine what comes next.Set amid mature pinon, established gardens, fruit trees, a moss-rock-lined acequia, and the quiet rhythms of Upper Canyon, the residence feels distinctly removed while remaining only minutes from Canyon Road, the Plaza, Cerro Gordo Trailhead, and the Randall Davey Audubon Center and Sanctuary. It is a setting that feels less like an address and more like a sanctuary.The home invites a discerning architectural eye. Rich in authentic Santa Fe character yet inherently adaptable, it offers the opportunity to preserve what is compelling, reinterpret what is possible, and create a residence that feels entirely personal. Five fireplaces, traditional detailing, a south-facing solarium, and an Anasazi-inspired stairway provide an evocative foundation for its next chapter.Two living areas and five separate entrances create an unusual degree of versatility. Three traditional bedrooms are complemented by additional spaces capable of accommodating a variety of uses, allowing the residence to evolve as a primary home, an intimate Santa Fe retreat, a multigenerational residence, or a property incorporating private guest, studio, office, or creative spaces.At the heart of the home, the generous kitchen has the scale of a true gathering room, complete with its own gas fireplace. Above, the private upper studio is distinguished by oak flooring and hand-finished American clay walls, while dramatic eight-by-eight-foot windows capture mountain views, changing light, and the surrounding pinon-covered hills. A broad balcony and 14-by-14-foot deck extend this elevated perspective outdoors.The grounds are integral to the experience. Terraced garden areas, flagstone paths, established fruit trees, mature vegetation, and the acequia create layers of texture and privacy, with deer among the frequent visitors. Here, architecture and landscape have the opportunity to become something deeply individual.Adding to its distinction, the property is located in Santa Fe County rather than within the municipal limits of the City of Santa Fe and has no HOA, offering an increasingly uncommon measure of independence along the historic Eastside. Its County location also means the City of Santa Fe High-End Excise Tax for Affordable Housing does not apply.A newer roof with transferable warranty provides an important practical benefit.1692 Upper Canyon Road is not a residence that asks simply to be occupied. It invites imagination. For the buyer, architect, or designer who recognizes the value of place--and the rare opportunity to shape a home around it--this is a compelling canvas on one of Santa Fe's most enduringly desirable roads.

43 Canto Del Pajaro, Santa Fe

Magnificent La Pradera home awaits you. This beautiful open floor plan has amazing sunsets from the kitchen, living room & the back patio with a newer coyote fence & open space. The lovely kitchen offers new stainless-steel appliances, natural stone back splash, 18'' ceramic tile, custom Blanco sink, & an island to enjoy time with your guests. The primary has an office/large walk-in closet w/ a separate entry to the back portal. The primary also has 2 additional closets, a garden tub & separate walk-in shower. Other highlights of this home-primary suite & guest bedrooms are separate, 9' ceilings, , 2 car garage, xeriscape front yard for low maintenance, new light fixtures & hardware, custom screen door & many more details. Make your appointment to view now!

1407 Borrego, Santa Fe

70K PRICE REDUCTION! 1.58 FENCED ACRES, HORSE PROPERTY, TWO HOMES, UPGRADED MINI SPLITS.This is not just another listing. This is the middle of Santa Fe, two fully separate homes, real horse infrastructure, and a location minutes from some of the most iconic experiences in the Southwest. Properties like this simply do not come up, and this one just got $70,000 more affordable.Two detached residences, each 2 bedrooms, 1 bath, 1 car garage, 1,270 square feet, set apart just enough to give each household its own sense of privacy while still feeling connected. Live in one, rent the other and let a tenant help cover your mortgage. Rent both and turn this into a true income producing asset. House parents in one, raise your family in the other, privacy and togetherness finally solved. Whatever the plan, this layout pays for itself in flexibility alone. Both homes are finished with wood beamed ceilings that carry the warmth of traditional Santa Fe architecture, one featuring a built in wine fridge for effortless entertaining, and stainless steel appliances that bring each kitchen fully up to date. Upgraded mini split systems handle heating and cooling with quiet efficiency, keeping both homes comfortable through Santa Fe's high desert seasons, from crisp winter mornings to warm summer afternoons.At the center of it all, a wide open shared backyard ties both homes together beneath open New Mexico sky, framed by mountain views that shift color at sunset, built for barbecues, birthdays, and everyday life. The land is already fenced and set up for horses, complete with room to ride, graze, and roam, a genuine rarity this close to town. A private well serves the entire property, meaning your water bill disappears completely and your long term costs stay firmly in your control.Here is what really sets this property apart: location. You are minutes from the Santa Fe Railyard district, where converted warehouses now hold contemporary art galleries, a weekend farmers market, and some of the city's best breweries and patios. A short drive gets you to Meow Wolf's House of Eternal Return, the internationally famous immersive art experience that draws visitors from around the world and is unlike anything else on the planet. Historic Santa Fe Plaza, the Palace of the Governors, and centuries old adobe architecture are all close by, along with world class dining, art walks on Canyon Road, and the kind of layered, living culture that makes Santa Fe one of the most sought after small cities in America.This is horse country and world class culture in the same zip code. Two income producing homes, a rare multi generational layout, real fenced acreage, a private well, and a price that has already dropped nearly $70,000 in your favor. This estate captures the essence of Santa Fe living. Don't miss out on this opportunity.

6512 Paseo Del Sol, Santa Fe

This stunning home offers breathtaking views in every direction. The property features a spacious deck, perfect for relaxing in the sun with a glass of iced tea. A charming portal extends from the gourmet kitchen and provides an ideal space for al fresco dining.The flexible floor plan allows for two office spaces or the option of a downstairs bedroom. The expansive yard includes multiple areas designed for enjoying the remarkable Santa Fe sunsets on peaceful evenings.

3050 Primo Colores Street, Santa Fe

Welcome to this charming single-story home located in the desirable Colores del Sol community of Santa Fe. Built in 2013, this well-maintained residence offers a comfortable and functional layout with approximately 1,125 square feet of living space on a low maintenance lot. Step inside to an inviting open-concept floor plan featuring a spacious great room that flows seamlessly into the dining area and kitchen, perfect for both everyday living and entertaining. The home offers three bedrooms, including a private primary suite complete with its own bath and a generous walk-in closet. Additional bedrooms are thoughtfully separated and also feature ample storage. Outside, enjoy a manageable yard ideal for relaxing or customizing to your taste. Don't miss out and schedule your showing today!

42 Coyote Crossing, Santa Fe

Don't miss this inviting 3-bedroom, 2-bath home set on 5 ACRES of juniper-pinon woodland in the rolling foothills just south of Santa Fe. With wide-open views of the Sangre de Cristo Mountains, this property offers the perfect blend of rural tranquility and convenient access to Santa Fe's vibrant cultural core.New metal roof in 2018, new boiler in 2019, and lovingly cared for.Whether you're savoring your morning coffee in the enclosed front porch or unwinding with an evening beverage on the back deck, you'll be treated to stunning vistas and peaceful surroundings. This is Northern New Mexico living at its best--quiet, scenic, and effortlessly connected to everything Santa Fe has to offer.

8 Carlito Road, Santa Fe

A serene Santa Fe retreat in the coveted Eldorado community. This beautifully designed 3-bed, 2-bath residence sits on 1.64 acres with sweeping mountain views and the peaceful rhythm of desert living. Light-filled interiors feature high ceilings, tile floors, and a Kiva fireplace that adds warmth and timeless Santa Fe charm. The kitchen and living spaces open to a private patio perfect for entertaining or quiet starlit evenings. Experience tranquil country living just minutes from Santa Fe's Plaza, galleries, and fine dining. The spacious lot offers room to garden, relax, or expand. A perfect blend of comfort, elegance, and Southwest beauty, schedule your private tour today and see it for yourself.