VA Loans
Earned benefits for Veterans, active-duty service members, Guard & Reserve and surviving spouses, with no monthly mortgage insurance.
Explore VA loans →Home loans · Clovis, New Mexico
Guiding you home, one step at a timePeople. Purpose. Home.
I'm Dustin Caroland, Producing Branch Manager with Homefront with Dustin, powered by Neighborhood Loans. Whether you're buying your first home, using your VA benefit, or moving up, I'll help you understand your VA, FHA and conventional options and keep you informed from application to closing.
- Housing New Mexico Rural Platinum Lender 2023–2026
- Direct line to me, not a call center
- NMLS #2175597
Housing New Mexico
Rural Platinum Lender2023 · 2024 · 2025 · 2026
Rural Platinum Lender2023 · 2024 · 2025 · 2026
Housing New Mexico | MFA recognition
Housing New Mexico Rural Platinum Lender, four years running
- 2023
- 2024
- 2025
- 2026
I'm proud to be recognized by Housing New Mexico | MFA as a Rural Platinum Lender for 2023, 2024, 2025 and 2026, and listed on Housing New Mexico's participating lender list. I work every day to help families in rural New Mexico use the state's homebuyer programs.
Loan options
Find the loan that fits your life
Every loan page includes a payment calculator, plain-English guidance, and answers to common questions.
FHA Loans
Flexible credit guidelines and low down payment requirements that open the door for many first-time buyers.
Explore FHA loans →Conventional Loans
Fixed-rate options with a range of down payment choices, including programs like HomeReady® and Home Possible®.
Explore conventional →NM First-Time Homebuyer
Housing New Mexico programs that can help with down payment and closing costs, explained in plain language.
See NM programs →Cannon Air Force Base
Serving the Cannon AFB community
Most of the VA loans I close are for Cannon AFB service members and their families. I understand PCS timelines, orders, and the importance of getting settled quickly, whether you're buying in Clovis, Portales, or the surrounding area. I'm also the spouse of an active duty service member stationed at Cannon AFB, so I understand base logistics firsthand.
- Get ready before you arrive, from anywhere
- BAH, PCS orders and Certificate of Eligibility guidance
- Clear communication on your timeline
Not a government site
Homefront with Dustin is not affiliated with or endorsed by the U.S. Air Force, Cannon AFB, the Department of Defense or the Department of Veterans Affairs. I'm a mortgage loan officer who works with service members and Veterans every day.
New Mexico homebuyers
First-time buyer in New Mexico?
Housing New Mexico | MFA offers mortgage and down payment assistance programs for eligible buyers. I'm a Housing New Mexico Rural Platinum Lender (2023–2026) on their participating lender list, and I'll help you see whether a program makes sense for you.
- Programs for first-time and some repeat buyers
- Homebuyer education is required (online options available)
- Income and purchase price limits for Curry and Roosevelt counties, laid out for you
- I'll walk you through every step
Where I work
Proudly serving Clovis, Cannon AFB & eastern New Mexico
My office is at 521 N Main St in Clovis, and most of my clients are right here in Curry and Roosevelt counties. Whether you're buying in Clovis, Portales, near Cannon Air Force Base, or somewhere else in the area, you'll work with me directly from application to closing.
- Clovis & Curry County
- Portales & Roosevelt County
- Cannon AFB service members and families
- VA, FHA, conventional and Housing New Mexico programs
Meet your loan officer
Hi, I'm Dustin.
I'm the Producing Branch Manager with Homefront with Dustin, powered by Neighborhood Loans, based in Clovis, New Mexico. My goal is simple: help people understand their options and feel confident about their home loan. You'll always reach me directly on my cell phone.
Neighborhood Loans is an approved FHA lender, and I work with VA, FHA, conventional and Housing New Mexico programs. I'm a Housing New Mexico Rural Platinum Lender (2023–2026).
Plan your payment
Try a loan-specific payment calculator
Each calculator is tailored to that loan type, including VA funding fees, FHA mortgage insurance, and PMI. Enter your own rate to see an estimate.
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Stay informed
Latest Mortgage News
Plain-English takes on mortgage and housing updates that matter to buyers in eastern New Mexico.
VA's New Partial Claim Program: A Safety Net for Veterans Who Fall Behind
VA launched a Partial Claim Program in June to give Veterans with VA-backed loans another way to catch up after a hardship. Servicers have until November 28 to fully implement it. Here's the plain-English version.
Read more about VA's New Partial Claim Program: A Safety Net for Veterans Who Fall Behind →FHA Is Adding New Credit Score Models in 2027. Here's What It Means for Buyers
HUD has published new guidance that adds VantageScore 4.0 and FICO 10T alongside Classic FICO for FHA loans starting in 2027. I break down what is changing, what is not, and how to get ready now.
Read more about FHA Is Adding New Credit Score Models in 2027. Here's What It Means for Buyers →Where the 2026 Conforming Loan Limit Matters, From Conventional to VA Entitlement
The 2026 baseline conforming loan limit is $832,750 for a one-unit home in most of the country. It shapes more than conventional loans. Here's where it shows up for VA and FHA borrowers too.
Read more about Where the 2026 Conforming Loan Limit Matters, From Conventional to VA Entitlement →People. Purpose. Home.
Ready to take the next step?
Apply online in minutes, or call or text me directly. I'll help you understand your options and walk you through every step.
Dustin Caroland, NMLS #2175597 · Neighborhood Loans, Inc. NMLS #222982. Equal Housing Lender.