Kristen Hordyk, born and raised in New Mexico, is a licensed New Mexico mortgage loan originator (NMLS #2564353) who arranges FHA, VA, USDA, conventional, jumbo and investor loans statewide, including Albuquerque, Santa Fe, Las Cruces and Rio Rancho. Every New Mexico county has a 2026 conforming limit of $832,750.
New Mexico roots
Kristen was born and raised in New Mexico and now lives in Washington. She's licensed in both states, with the same wholesale lender access and investor experience on every New Mexico loan.
New Mexico at a glance (2026)
- Conforming limit: $832,750 for a one-unit home in every county
- FHA limits: $541,287 in most counties; higher in Santa Fe County and Los Alamos County ($692,300)
- No real estate transfer tax in New Mexico
- Military buyers: Kirtland, Holloman and Cannon Air Force Bases and White Sands Missile Range make VA loans common
- USDA: much of the state outside the larger cities is USDA-eligible for 0% down
- Down payment help: the New Mexico Mortgage Finance Authority (MFA) offers statewide homebuyer programs through participating lenders
Areas served
And every other address in New Mexico.
Common questions
Is Team Kristen licensed in New Mexico?
Yes. Kristen Hordyk (NMLS #2564353) is licensed in New Mexico and Washington.
Does New Mexico have a real estate transfer tax?
No. New Mexico does not charge a real estate transfer tax on home sales.
What is the 2026 conforming loan limit in New Mexico?
$832,750 for a one-unit home in every New Mexico county.

