Home financing in Chaves County.
County-by-county financing guides. No paperwork. No social. No ID.
3 institutions are headquartered inside the Chaves County line, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Chaves County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Roswell Community Credit UnionPersonal · Home
- The Florist Credit UnionPersonal · Home · Business capital
- Chaves County School Employees Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Chaves County line. You can walk in.
- Artesia Credit UnionPersonal · Home
- Otero Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

Buying a home in Chaves County, New Mexico is within reach for solo contractors, working families, and first-time buyers — including those without a Social Security number. This guide walks you through what home financing is, who qualifies locally, what paperwork you'll need, and which local lenders and programs actually serve the Roswell area. We also cover New Mexico-specific rules and red flags to watch so you can borrow with confidence.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN CHAVES COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CHAVES COUNTY →23NM COUNTIES WITH DOORSThe whole stateEvery county in New Mexico, in this same lane.32 institutions fund home financing inside New Mexico county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.

