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

Texas Tech Credit Union
A West Texas home at dusk

Refinance loans

It might be time to take another look at your rate.

Refinancing with Texas Tech Credit Union is simple, straightforward, and backed by a local team that knows your market.

Apply Now Get My Quote

The benefits of refinancing with a local lender.

Lower your rate

If rates have dropped since you closed, refinancing could save you significantly over the life of your loan.

Reduce your monthly payment

A lower rate or longer term could free up cash in your budget every single month.

Access your home's equity

A cash-out refinance lets you tap into the equity you've built and put it to work for you.

Flexible term options

Refinance into a shorter term to pay off your home faster, or a longer term to reduce your monthly payment.

Local underwriting, faster decisions

Your loan stays in-house, which means faster turnaround and fewer delays from application to closing.

Backed by our Best Rate Guarantee*

We're so confident in our rates, if you find a better one we'll pay you $1,000.

See the Best Rate Guarantee

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
Home in Lubbock

The mortgage process

Your mortgage, step by step.

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

A family outside their refinanced home

step 1

Meet with an expert.

Connect with one of our local mortgage loan officers to talk through your current mortgage and explore your refinancing options.

step 2

Upload your documents.

Download the Texas Tech Credit Union mortgage app to securely upload your documents and get the pre-qualification process started.**

Download on the App Store Get it on Google Play

step 3

Review your new terms.

We'll walk you through your tailored refinancing options, including your new rate, monthly payment, and potential savings.

step 4

Close and start saving.

Sign your documents, close the loan, and start enjoying your new rate. We handle the details so the process is as smooth as possible.

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.