Home Loans

Whether you need to finance a new home or refinance an existing home loan. Our trusted mortgage loan originators are here to help at every step of the home loan process. 

Here’s what we have to offer:

  • Traditional 30, 20, or 15 Year Fixed Rate
  • Adjustable Rate Mortgages (ARMs)
  • Texas Veteran Land Board Home Loans
  • Home Equity Loans

Your home loan toolkit: A step-by-step guide

Consumer Handbook on Adjustable Rate Mortgages (ARM): CHARM Booklet


Get Pre-Qualified Now!


If you believe an error has been made on your mortgage loan or have questions pertaining to the servicing of your account, please send us a written statement addressing your inquiry or the error in question. If you are writing about an error, please include documentation to support why you believe we have made an error on your account. Your letter must be signed and contain your full name, property address, loan number and your current contact information so we may follow up with you. Please forward letters and supporting documentation to the address below:

Attn: Mortgage Servicing Dept – Dispute / Inquiry
P.O. Box 4318 , El Paso, Texas 79914

Click here for printable Home Loan Error Resolution Form

*Non-dispute inquiries can also be addressed by contacting the Mortgage Servicing Department at  (800) 351-1670 Ext. 1796


Click here to access the Home Loan Assistance form

**Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Existing FirstLight FCU loans or credit cards will not be eligible for balance transfers. FirstLight FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Each balance transfer will be treated as a purchase as described in your Credit Card Agreement and is subject to credit availability. If there is a balance transfer promotion, any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum payments will be applied to any balance at the lower rate before being applied to balances at the card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. If you have not activated your credit card, please call 1-800-527-7728 to do so. Please be sure to read the Credit Card Agreement and Account Opening Disclosures for more details. Remember, FirstLight Federal Credit Union is here for you as we help you find more ways to move beyond banking!


NMLS # 250648

Patricia M. Carmona

Mortgage Loan Originator


Phone (915) 231-3195

Cell (915) 258-4469

Fax (915) 581-2857

Se habla espanol
NMLS # 715678

Veronica I. Herrera - Hablo Español

Mortgage Loan Originator


Phone (915) 225-0592

Cell (915) 487-6363

Fax (915) 206-3645

  Get Pre-Qualified Now!

Get Pre-Qualified Now!

Se habla espanol
NMLS # 1402735

Doris Bernal - Hablo Español

Mortgage Loan Originator


Phone (915) 564-3372

Cell (915) 487-5224

Fax (915) 206-3645

Se habla espanol
NMLS # 986299

Arturlo Ayala - Hablo Español

Mortgage Loan Originator


Phone (915) 231-3145

Cell (915) 471-1530

Fax (915) 206-3645

Get Pre-Qualified Now!
Get Pre-Qualified Now!


NMLS # 639379

Louise Trask 

Mortgage Loan Originator


Phone (575) 373-3525

Cell (575) 635-2188

Fax (575) 525-2379

Get Pre-Qualified Now!

NMLS # 1520996

Savonne Lucero 

Mortgage Loan Originator


Phone (575) 373-3521

Cell (575) 202-0567

Fax (575) 373-2144

Get Pre-Qualified Now!