All Texas Tech Credit Union branches will be closed on Monday, October 12th in observance of Columbus Day.

Texas Tech Credit Union
A couple reviewing their conventional loan paperwork

conventional loans

A straightforward path to homeownership.

Competitive rates, flexible terms, and a local team that knows your market. A conventional loan from Texas Tech Credit Union keeps the process simple.

What a conventional loan can do for you.

Competitive rates

Conventional loans offer low interest rates, helping you save on monthly payments and overall loan costs over time.

Flexible down payment options

Qualified buyers can put down as little as 3%, and you choose how much to bring to closing.

No mortgage insurance options

Avoid the cost of mortgage insurance with some conventional loan options, reducing monthly expenses and simplifying financial planning.

Higher loan limits

Access a wider range of property types and higher loan limits not available with government-backed loans.

Mortgage lending across West Texas.

A dedicated team in every market we serve.

panhandle

Amarillo

A dedicated team serving Amarillo and the surrounding Panhandle.

Learn More Amarillo Skyline
south plains

Lubbock

Where it all started. Fast approvals and local expertise for South Plains buyers.

Learn More Lubbock Skyline
Permian basin

Midland

Dedicated mortgage support for Midland and Permian Basin homebuyers.

Learn More Midland Skyline

Get to know your local mortgage team.

Our loan officers know this market and are ready to guide you from application to closing.

Meet the Team

The mortgage process

Your mortgage, step by step.

We keep the process simple so you can focus on finding the right home.

step 1

Meet with an expert.

Connect with one of our local mortgage loan officers to talk through your goals, explore your options, and get the process started.

step 2

Upload your documents.

Download the Texas Tech Credit Union mortgage app to securely upload your documents and kick off your pre-qualification.*

step 3

Begin house hunting.

With pre-qualification in hand, start searching for your home knowing the budget you're working with.

step 4

Close and get your keys.

Once you've found the right home, our team will guide you through a smooth and timely closing process.

Manage your mortgage from anywhere.

Stay on top of every step with the Texas Tech Credit Union mortgage app. Upload documents, check your status, and connect with your team on the go.

Ready to take the next step?

A dedicated loan officer is ready to walk you through your options and get you to closing day.

*

Pre-qualification is subject to credit history and financial statement review.