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

Texas Tech Credit Union
A family walking up to their new West Texas home

home loan

Your next chapter starts with the right mortgage.

Competitive rates, a local team that knows your market, and a commitment to making homeownership possible for every member we serve.

Apply Now Get My Quote

What makes us different.

Benefits of getting your mortgage from Texas Tech Credit Union:

Rates backed by a guarantee*

We're so confident in our mortgage rates, we back them with a $1,000 Best Rate Guarantee. If another lender beats our rate, we'll pay you.

Transparent from day one

No surprises, no hidden fees, no runaround. We tell you exactly what to expect at every step of the process.

In-house underwriting

Your loan stays local, which means faster turnaround, clearer communication, and fewer delays from start to finish.

Invested in our community

As a member-owned credit union, our success is your success. Every mortgage we close strengthens the West Texas communities we're proud to call home.

Local roots, nationwide reach.

We lend nationwide, but you'll always have a dedicated, local team in your corner, from application to closing.

panhandle

Amarillo

A dedicated team serving Amarillo and the surrounding Panhandle.

Learn More Texas Tech Credit Union mortgage officers 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 on the phone

Mortgage rates for all buyers.

Competitive rates backed by our Best Rate Guarantee.

Conventional

30-year fixed

Included:

  • Rate locked at application
  • No private mortgage insurance
  • Member rate discount
Get My Quote
FHA

30-year fixed

Included:

  • Lower down payment
  • Flexible credit requirements
  • Member rate discount
Get My Quote
Conventional

15-year fixed

Included:

  • Less interest over the loan
  • Build equity faster
  • Member rate discount
Get My Quote
VA

30-year fixed

Included:

  • No down payment required
  • No private mortgage insurance
  • Member rate discount
Get My Quote

The mortgage process

Your mortgage, step by step.

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

Texas Tech Credit Union house keys

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 Google Play

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.

The right team makes all the difference.

Experienced loan officers across West Texas, ready to guide you every step of the way.

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.

download the app:

Download on the App Store Get it on Google Play
*

A similar mortgage must be for a first lien purchase or refinance of a primary or secondary residence, same property, loan purpose, term, and loan amount, with the same or lower closing costs.

To receive your competitive rate adjustment, you must provide Texas Tech Credit Union Mortgage a copy of the competitor's Loan Estimate, Rate Lock Agreement, and documentation of the property, loan purpose, rate, term, loan amount, and closing costs. Documentation must be dated within 3 calendar days of locking your rate with Texas Tech Credit Union Mortgage.

**

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