At a glance
From its website, read 2 Nov 2026Homewise, Inc. is a loan fund based in Santa Fe, New Mexico. Its website describes commercial real estate loans and home mortgages. Where it lends: Statewide across New Mexico. It accepts an ITIN. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (505) 243-6566 source |
|---|---|
| Phone | (505) 983-9473 source |
| Website | www.homewise.org |
| Office (official list) | 1301 Siler Road, Bldg D, Santa Fe, NM 87507 |
What their website says about applying
Most recent pay stubs, covering 30 days of earnings
sourceTwo months most recent bank statements
sourceHomeowners insurance declarations page
sourceHave questions or ready to get started? Connect with one of our loan experts today!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Minimum credit score: 640
The minimum Homewise required credit score is 640
source - ITIN accepted
Yes! We do offer refinance options for ITIN clients.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 1301 Siler Road, Bldg D, Santa Fe, NM 87507 Directions (Google Maps) |
| Website | www.homewise.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts were stated on the pages fetched, and the pages say little about the terms of the commercial or mortgage products. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Homewise’s Commercial Loan Program creates opportunities for small businesses and non-profit organizations to own their own facilities in priority neighborhoods in both Santa Fe and Albuquerque. | source |
| Home mortgages | — | Buy a home with $0 down (when the sale price doesn’t exceed the appraised value). | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Statewide across New Mexico
Serving communities across all of New Mexico.
source
Statewide: New Mexico
Borrower focus
- Native American / Alaska Native / Native Hawaiian
For eligible Native American veterans purchasing or building on federal trust land.
source - Veterans
Eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses can now access VA home loans through Homewise.
source
Languages
- Spanish
Los veteranos elegibles, los miembros del servicio activo, los miembros de la Guardia Nacional y la Reserva, y los cónyuges sobrevivientes ahora pueden acceder a préstamos hipotecarios de la VA a través de Homewise.
source
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$32 million in 22 awards from the U.S. Treasury's CDFI Fund, 1999–2024 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Capital Magnet Fund | $3,360,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Program, Financial Assistance | $690,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Capital Magnet Fund | $3,000,000 |
| 2020 | CDFI Program, Financial Assistance | $620,000 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2019 | Capital Magnet Fund | $3,000,000 |
| 2018 | CDFI Program, Financial Assistance | $1,125,000 |
| 2016 | Capital Magnet Fund | $3,100,000 |
| 2015 | CDFI Program, Financial Assistance | $2,000,000 |
| 2014 | CDFI Program, Financial Assistance | $2,000,000 |
| 2013 | CDFI Program, Financial Assistance | $597,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2010 | Financial Education and Counseling Pilot Program | $400,000 |
| 2008 | CDFI Program, Financial Assistance | $1,052,275 |
| 2005 | CDFI Program, Financial Assistance | $513,000 |
| 2004 | CDFI Program, Technical Assistance | $50,000 |
| 2002 | CDFI Program, Financial Assistance | $1,250,000 |
| 1999 | CDFI Program, Financial Assistance | $1,340,500 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Mar 2023| Total assets | $228.5M |
|---|---|
| Total liabilities | $147.4M |
| Net assets | $81.2M |
| Total revenue | $25.2M |
| Notes and loans receivable, net (Part X line 7) | $127M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending March 2023 (tax year 2022; EIN 85-0346325, filed as “HOMEWISE INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2023). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Mar 2022 (990) | $208.2M | $77.7M | $27.7M | $107.1M |
| Mar 2023 (990) | $228.5M | $81.2M | $25.2M | $127M |
Total assets grew 10% from Mar 2022 to Mar 2023; notes and loans receivable rose 19%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $228.5M | Larger than 100% of the 8 other certified loan funds and venture funds in New Mexico with a matched Form 990 (median $20.5M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in New Mexico | 8 | larger than 100% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Santa Fe and New Mexico
- Guadalupe Credit UnionCredit union · Santa Fe, NMHome mortgages, Small-business loansVerified
- Northern New Mexico School Employees Federal Credit UnionCredit union · Santa Fe, NMAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Santa Fe Community Housing TrustLoan fund · Santa Fe, NMHome mortgagesVerified
- DreamSpringLoan fund · Albuquerque, NMCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- First Financial Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Native Community CapitalLoan fund · Laguna, NM · Native CDFIAffordable housing development loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
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