A Texas Tech Credit Union mortgage team member at work

VA Loans

Your service already earned this home loan.

No down payment, no mortgage insurance, and a loan officer in Lubbock, Midland, or Amarillo who picks up the phone.

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What a VA loan can do for you.

Zero down payment

VA loans let eligible veterans and service members buy with $0 down, no years of saving first.

No mortgage insurance

VA loans don't require PMI, saving you money every month.

Competitive rates, government backed

The VA guaranty lets us price your loan competitively, with no down payment and no monthly mortgage insurance.

In-house underwriting, faster answers

Your file is reviewed by our team in West Texas, not a call center somewhere else.

Limited closing costs

VA guidelines cap what you can be charged at the table.

A benefit you can use again

Your VA entitlement isn't a one-time deal. Use it again for your next home, wherever your service takes you.

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.

A Texas Tech Credit Union mortgage officer with a member

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.