USDA Loans

A home in the country with zero down.

Enjoy the space and quiet of rural living without the burden of a down payment. USDA loans make it possible for eligible buyers.

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What a USDA loan can do for you.

Zero down payment

With zero down payment required, USDA loans make it possible to buy a home and keep your savings intact.

Rural property eligibility

If you're looking for land, space, or a slower pace, USDA loans are built for homes in eligible rural and suburban areas.

Flexible credit requirements

More flexible credit qualifications open the door for borrowers who might not qualify for conventional financing.

Competitive interest rates

Government-backed assurance means competitive rates and manageable monthly payments for eligible buyers.

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.