we've got home loan options

Find your loan match.

Whether you’re buying your first home, refinancing, or moving up, Texas Tech Credit Union offers a range of home loan options designed to fit your needs—including FHA, VA, USDA, Jumbo, and more. Take a look and explore your options.

Conventional Loans

Affordable rates and flexible terms for your dream home.

3%

Down Payment*

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FHA Loans

Lower down payments and easier credit requirements.

3.5%

Down Payment

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VA Loans

No down payment for veterans and active-duty military.

0%

Down Payment

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USDA Loans

Zero down payment for rural and suburban homes.

0%

Down Payment

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Jumbo Loans

Higher loan amounts for luxury and high-value properties.

10%

Down Payment

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Specialized Loans

Tailored solutions for unique financing needs and special circumstances.

15%

Down Payment

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Conventional loan down payments start as low as 3% for first time homebuyers, or for borrowers who qualify for programs such as Fannie Mae’s HomeReady Mortgage and Freddie Mac’s Home Possible loan. If you have owned a home previously the conventional loan minimum down payment is 5%.