FHA Loans

First home or next home, we have a loan for that.

As little as 3.5% down and flexible credit requirements make FHA loans one of the most accessible paths to homeownership available.

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What an FHA loan can do for you.

Low down payment

FHA loans require as little as 3.5% down, making it easier to buy a home without draining your savings.

Flexible credit requirements

FHA loans are designed to work with where you are financially, with credit requirements that fit a wider range of buyers.

Accessible for first-time buyers

FHA loans are a popular choice for first-time buyers, with down payment options and credit requirements designed to make getting started easier.

Government-backed assurance

FHA loans are federally insured, ensuring extra protection and confidence for homebuyers and lenders.

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 A Texas Tech Credit Union loan officer with a member

south plains

Lubbock

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

Learn More Texas Tech Credit Union team members in the Lubbock branch

Permian basin

Midland

Dedicated mortgage support for Midland and Permian Basin homebuyers.

Learn More A Texas Tech Credit Union loan officer at her desk

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.*

Download on the App Store

Get it on

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 the 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.