What mortgage programs are best for Amarillo TX homebuyers?

Amarillo's price range (median ~$225K) puts virtually all purchases within FHA ($541K limit) and conventional ($832,750 limit) territory. FHA loans with 3.5% down (~$7,875) are popular with first-time buyers. VA loans serve Amarillo's veteran community (including Amarillo VA Healthcare System workers and veterans) with zero down. Conventional loans provide better long-term terms for buyers with good credit and 5–20% down. USDA rural housing may apply in Canyon ISD and Randall County rural areas outside city limits. Get pre-approved in about 15 minutes.

Is Amarillo TX one of Texas's most affordable cities to buy a home?

Yes — Amarillo consistently ranks in Texas's top 3 most affordable major metros. With median home prices around $225K, a 3.5% FHA down payment equals just $7,875, and a VA zero-down loan means zero upfront money for eligible veterans. Pantex Plant and Bell Helicopter provide stable well-paying employment that doesn't inflate prices like tech sectors do in Austin or Dallas. Canyon ISD on Amarillo's south side (A-rated) is particularly sought after. For Texas homebuyers seeking maximum value, Amarillo is hard to beat.

What are property taxes like in Amarillo TX?

Amarillo property taxes vary by county and school district. The city spans Potter County (north) and Randall County (south). Canyon ISD (Randall County) and Amarillo ISD (Potter County) have different total effective rates, typically ranging from 1.8%–2.4% combined. Our Amarillo mortgage calculator includes verified rates for both Potter and Randall County school districts. The right address in Amarillo can save you $100–$200/month in property taxes. Get pre-approved in about 15 minutes for accurate, ISD-specific payment estimates.

Can I buy a home in Amarillo with an FHA loan?

Absolutely — Amarillo's median home price of $225,000 is well within the $563,500 FHA loan limit, making FHA an excellent option. Your down payment would be just $7,875 at 3.5% down, and FHA accepts credit scores as low as 550 (10% down from 550-579, 3.5% down at 580+). TSAHC down payment assistance grants of 2-5% of the loan amount can further reduce your out-of-pocket costs for Potter County buyers earning under $123,500.

What VA loan benefits are available in Amarillo?

VA loans are a powerful option for Amarillo home purchases: zero down payment (saving you $6,750 to $45,000), no monthly PMI, competitive interest rates, and no loan limit with full entitlement. VA loans require a minimum 550 credit score at our company. At Amarillo's median price of $225,000, you could save thousands in upfront costs compared to conventional or FHA financing.

What down payment assistance is available for Amarillo homebuyers?

Amarillo homebuyers in Potter County can access TSAHC (Texas State Affordable Housing Corporation) down payment assistance: a grant of 2-5% of the loan amount forgiven after just 6 months (available with FHA, VA, or USDA loans, minimum 620 FICO), or a 3-year deferred forgivable second lien of 2-5% at 0% interest (available with all loan types including conventional, minimum 620-640 FICO). Income limit for Potter County is $123,500. First-time homebuyer status is NOT required for the standard Non-Bond DPA program.

What is the FHA loan limit in Amarillo, TX?

The 2026 FHA loan limit in Amarillo (DFW MSA) is $563,500 for a single-family home — well above Amarillo's median home price of $225,000. That means FHA financing is available for virtually all standard Amarillo home purchases, with as little as 3.5% down and credit scores starting at 580 (or 550 with 10% down). The conforming loan limit for conventional loans is $832,750, also far above the typical Amarillo purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in Amarillo, TX?

The 2026 conforming loan limit is $832,750 for Amarillo and the entire DFW metro. Conventional loans up to this amount qualify for competitive interest rates, require only 3% down for first-time buyers, and avoid the FHA mortgage insurance premium structure. At Amarillo's median price of $225,000, conventional financing easily covers all typical Amarillo purchases. The FHA loan limit in Amarillo is also $563,500 — both limits are well above the median, giving buyers flexibility to choose the program that fits their financial profile.

What credit score do I need to buy a home in Amarillo, TX?

Credit score requirements vary by loan program for Amarillo homebuyers: FHA loans require 580+ for 3.5% down ($7,875 on the median Amarillo home) or 550+ with 10% down. Conventional loans need 600+ with AUS approval (620+ for manually underwritten loans) and offer as little as 3% down ($6,750). VA loans have no VA-mandated minimum — our company minimum is 550. Jumbo loans (above $832,750) typically require 700+. Even with lower scores, Non-QM options starting at 620+ may be available. We can review your credit profile and match you with the best program — get a free pre-approval to see your options.

How much home can I afford in Amarillo, Texas?

Based on Amarillo's median home price of $225,000, a typical monthly payment with 20% down ($45,000) would be approximately $1,138/month including principal, interest, Potter County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($6,750) on conventional or 3.5% ($7,875) on FHA loans, though monthly payments will be higher with mortgage insurance. Our Amarillo mortgage calculator factors in exact Potter County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in Amarillo, Potter County?

Property tax rates in Amarillo vary by school district and special taxing districts within Potter County, typically ranging from 1.8% to 2.8% of assessed value. On a $225,000 home, that's roughly $413/month in property taxes. Texas has no state income tax, which partially offsets the higher property taxes. Some areas may include MUD (Municipal Utility District) or PID (Public Improvement District) fees. Our Amarillo calculator uses verified rates from the Potter County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in Amarillo?

Amarillo homebuyers in Potter County can access TSAHC (Texas State Affordable Housing Corporation) down payment assistance through two options: (1) a DPA Grant of 2-5% of the loan amount, forgiven after just 6 months — available with FHA, VA, or USDA loans, minimum 620 FICO; (2) a 3-Year Deferred Forgivable Second Lien of 2-5% at 0% interest, forgiven on the 3rd anniversary — available with all loan types including HFA Conventional, minimum 620-640 FICO. The Potter County income limit is $123,500 (Non-Bond DPA). First-time homebuyer status is NOT required for Non-Bond DPA. Teachers, veterans, police, firefighters, EMS, and corrections officers may qualify for the Homes for Texas Heroes program. FHA loans require just 3.5% down ($7,875 on a $225,000 home), and VA loans offer zero-down financing. Get pre-approved to see which DPA programs you qualify for.

How long does it take to close on a home in Amarillo?

Our average closing time for Amarillo home purchases is 21 days from contract to keys, compared to the industry average of 45+ days. This speed advantage makes your offer more competitive with Amarillo sellers. Pre-approved buyers often close even faster since appraisal and underwriting begin immediately. We coordinate directly with Potter County title companies and appraisers to prevent delays. Getting pre-approved before house hunting puts you in the strongest position.

What's the first step to buying a home in Amarillo?

The first step is getting pre-approved — it's free, takes about 15 minutes, and gives you a clear picture of your Amarillo home buying budget. Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer in competitive Potter County neighborhoods. You'll know exactly which loan programs you qualify for (conventional, FHA, VA, or jumbo), your maximum purchase price, and estimated monthly payment including Potter County taxes. Start your free pre-approval online or call us to discuss your Amarillo home buying goals.

Amarillo TX Home Loans | Panhandle | FHA, VA & Conventional

<div style="max-width:1200px;margin:0 auto;padding:20px;font-family:system-ui,sans-serif;" role="main" aria-label="Amarillo mortgage information"> <nav style="font-size:14px;color:#718096;margin-bottom:20px;" aria-label="Breadcrumb"> <a style="color:#2563eb;" href="https://www.patrickglaros.com">Home</a> > <a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Cities</a> > <span>Amarillo</span> </nav> <main> <article> <header> <h1 style="color:#1a365d;margin-bottom:10px;font-size:2rem;">Buy Your Amarillo Home — We Handle the Mortgage</h1> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Amarillo TX mortgage expert — the Texas Panhandle's trusted lender for Pantex, Bell Helicopter & WTAMU area buyers. FHA, VA, conventional. 21-day avg close. Patrick Glaros — no credit check to get started.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Get pre-approved in minutes, not days. Local Potter County expertise with personalized service from application to closing.</p> </header> <p style="color:#2563eb;font-size:1.1rem;font-weight:600;margin:15px 0;">Yellow Rose of Texas - Gateway to the Panhandle</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Amarillo Appeals to Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Amarillo's economy is anchored by the Pantex Plant, the nation's only nuclear weapons assembly and disassembly facility and the largest single-site employer in the Texas Panhandle. Combined with Bell Helicopter's Amarillo operations and a robust agriculture and ranching sector, the city provides stable, well-paying employment across defense, manufacturing, and agribusiness industries that insulate the local housing market from the volatility seen in larger metros.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Higher education plays a vital role in Amarillo's growth, with Amarillo College serving over 10,000 students in workforce training and academic programs, and West Texas A&M University in nearby Canyon offering four-year and graduate degrees. These institutions fuel a steady pipeline of young professionals who choose to stay in the region, creating consistent demand for starter homes and mid-range properties throughout the metro area.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Amarillo's Route 66 heritage lends the city a distinctive cultural identity, from the iconic Cadillac Ranch to the revitalized Route 66 Historic District downtown. Combined with one of the most affordable costs of living in Texas, wide-open spaces, and easy access to Palo Duro Canyon—the second-largest canyon in the United States—Amarillo delivers a quality of life that attracts families, retirees, and remote workers seeking space and value without sacrificing community amenities.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Pantex Plant — largest single-site employer in the Texas Panhandle with thousands of defense-sector jobs</li> <li>Median home price around $225,000 — well below state and national averages</li> <li>West Texas A&M University and Amarillo College provide higher education and workforce development</li> <li>Route 66 heritage and Palo Duro Canyon offer iconic cultural and outdoor experiences</li> <li>Agriculture and ranching hub supporting cattle, grain, and food processing industries</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frequently Asked Questions About Amarillo Home Loans</h2> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What is the median home price in Amarillo?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The median home price in Amarillo is approximately $225,000, making it one of the most affordable metro areas in Texas. Homes range from $120K in central and north Amarillo to over $600K in south Amarillo estates and the Timbercreek Canyon area. Our Amarillo mortgage calculator factors in Potter County tax rates so you can see your true monthly cost before you start shopping.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are the FHA and conforming loan limits for Amarillo?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Amarillo falls under the national floor for FHA loans at $541,287 and the conforming loan limit of $832,750. Given the median home price of $225,000, most Amarillo buyers can easily qualify within conventional loan limits with competitive rates.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are property taxes like in Amarillo?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Amarillo property tax rates vary by school district and county. Potter County and Randall County rates differ, with Amarillo ISD, Canyon ISD, Bushland ISD, and River Road ISD each carrying different tax rates. Total effective rates typically range from 1.8% to 2.4% depending on location. Our Amarillo calculator includes verified Potter County tax rates for every school district — try it to see your exact monthly costs.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are the best school districts in Amarillo?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Canyon ISD (A-rated, ~10,000 students) is the top-rated district in the metro. Bushland ISD (A-minus, ~2,200 students) offers small-school excellence. Amarillo ISD (B-rated, ~32,000 students) is the largest district, and River Road ISD (B-plus, ~1,500 students) serves north Amarillo communities. We'll help you find financing that fits homes in your target school zone — get pre-approved in about 15 minutes.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are the major employers in Amarillo?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The Pantex Plant is the largest single-site employer, followed by Bell Helicopter, BSA Health System, the Amarillo VA Healthcare System, and Tyson Foods processing. Agriculture, ranching, and energy also contribute significantly to the regional economy.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How do I get pre-approved for a home loan in Amarillo?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Amarillo homebuyers can get pre-approved in about 15 minutes online — no hard credit pull for the initial consultation. Pre-approval shows sellers you're a serious buyer and can help you close in as little as 21 days. You'll know exactly which loan programs fit your situation, whether that's conventional, FHA, VA, or jumbo financing in Potter County. Start your free pre-approval today to shop Amarillo neighborhoods with confidence.</p> </details> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Amarillo Housing Market Overview</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The Amarillo, TX real estate market offers diverse opportunities for homebuyers in Potter County.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Median Home Price in Amarillo:</strong> $225,000</li> <li><strong>Year-over-Year Price Change:</strong> +3.0%</li> <li><strong>Average Days on Market:</strong> 45 days</li> <li><strong>County:</strong> Potter County, Texas</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Amarillo Neighborhoods by Price Range</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Explore Amarillo neighborhoods organized by home price to find the perfect fit for your budget.</p> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Entry-Level Homes ($120,000 - $220,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Central / Downtown Amarillo</strong> - Homes from $120,000 to $200,000</li> <li><strong>North Amarillo</strong> - Homes from $130,000 to $210,000</li> <li><strong>East Amarillo</strong> - Homes from $120,000 to $195,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Mid-Range Homes ($220,000 - $380,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Southwest Amarillo (Randall County)</strong> - Homes from $220,000 to $350,000</li> <li><strong>Sleepy Hollow / Wolflin Area</strong> - Homes from $230,000 to $380,000</li> <li><strong>Canyon (West Texas A&M Area)</strong> - Homes from $225,000 to $360,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Luxury Homes ($380,000 - $600,000+)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Tascosa Office Park Area</strong> - Homes from $380,000 to $550,000</li> <li><strong>South Amarillo Estates</strong> - Homes from $400,000 to $600,000</li> <li><strong>Bell / Timbercreek Canyon Area</strong> - Homes from $400,000 to $650,000</li> </ul> </div> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">School Districts in Amarillo</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Amarillo is served by highly-rated school districts, making it ideal for families.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Amarillo ISD</strong> - B</li> <li><strong>Canyon ISD</strong> - A</li> <li><strong>River Road ISD</strong> - B+</li> <li><strong>Bushland ISD</strong> - A-</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Major Employers Near Amarillo</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Convenient commutes to major employment centers make Amarillo an attractive location for professionals.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Pantex Plant</li> <li>Bell Helicopter</li> <li>Amarillo VA Healthcare System</li> <li>BSA Health System</li> <li>Tyson Foods Processing</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Buy a Home in Amarillo?</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Defense & Manufacturing Hub:</strong> Pantex Plant and Bell Helicopter provide thousands of high-paying defense and manufacturing jobs with long-term federal contract stability.</li> <li><strong>Exceptional Affordability:</strong> Median home prices around $225,000 — roughly half the national average — with low cost of living across housing, groceries, and utilities.</li> <li><strong>Higher Education Access:</strong> Amarillo College and West Texas A&M University in Canyon provide workforce training, four-year degrees, and graduate programs.</li> <li><strong>Healthcare Infrastructure:</strong> BSA Health System, Amarillo VA Healthcare System, and Northwest Texas Healthcare System serve as regional medical anchors.</li> <li><strong>Agriculture & Ranching Economy:</strong> Major cattle feeding, grain production, and food processing operations including Tyson Foods provide economic diversification.</li> <li><strong>Route 66 Culture & Recreation:</strong> Iconic Route 66 heritage, Palo Duro Canyon State Park, Cadillac Ranch, and a revitalized downtown arts scene.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Mortgage Options for Amarillo Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Find the right financing for your Amarillo home purchase in Potter County with these mortgage programs:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>FHA Loans</strong>: Government-backed loans with 3.5% down and flexible credit requirements starting at 550 FICO. Most Amarillo homes fall within the $563,500 DFW FHA loan limit.</li> <li><strong>VA Loans</strong>: Zero down payment for eligible veterans, active-duty military, and surviving spouses. No PMI and competitive rates — no loan limit with full entitlement.</li> <li><strong>Conventional Loans</strong>: Fixed-rate and adjustable-rate mortgages with as little as 3% down. Amarillo homes up to $832,750 qualify for conforming loan rates.</li> <li><strong>DSCR Loans</strong>: Investment property financing qualifying on rental income, not personal income. 20-25% down payment.</li> <li><strong>Texas VLB Loans</strong>: Texas Veterans Land Board home loans for veterans and active-duty military with below-market rates.</li> <li><strong>Construction Loans</strong>: Interim construction financing for custom home builds with two-time close and construction-to-permanent takeout options.</li> <li><strong>Jumbo Loans</strong>: Financing for properties exceeding the $832,750 conforming limit. Competitive rates for qualified borrowers with 700+ credit scores and 10-20% down.</li> <li><strong>Non-QM Loans</strong>: Bank statement, asset-based, and alternative income documentation for self-employed borrowers.</li> <li><strong>Home Refinancing</strong>: Rate-and-term, cash-out, and streamline refinance options for current Amarillo homeowners.</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The 2026 conforming loan limit for Potter County is $832,750. VA-eligible buyers have no loan limit with full entitlement. <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Use our mortgage calculator</a> to see current rates and payment estimates for Amarillo.</p> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Try our interactive Amarillo calculators: <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Payment Calculator</a>, <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a>, and <a style="color:#2563eb;" href="https://www.patrickglaros.com/amarillo-home-loans#calculators">Buydown Calculator</a> — all pre-loaded with Potter County tax rates and live PMMS interest rates.</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">What You Need to Afford a Amarillo Home</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Based on Amarillo's median home price of $225,000:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>3% down (Conventional first-time):</strong> $6,750 down payment</li> <li><strong>3.5% down (FHA):</strong> $7,875 down payment</li> <li><strong>5% down (Conventional):</strong> $11,250 down payment</li> <li><strong>10% down:</strong> $22,500 down payment</li> <li><strong>20% down (no PMI):</strong> $45,000 down payment</li> <li><strong>VA Loan:</strong> $0 down payment for eligible veterans</li> <li><strong>Estimated monthly P&I (20% down, 30yr):</strong> ~$1,138/month (plus taxes, insurance, HOA)</li> </ul> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Seller-paid temporary buydowns (2-1 or 3-2-1) can reduce your Amarillo mortgage payment by $400–$900/month in the early years. <a style="color:#2563eb;" href="https://www.patrickglaros.com/amarillo-home-loans#calculators">Try our Buydown Calculator</a> to compare options with your specific home price.</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Potter County Property Tax Data</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Our Amarillo calculators use verified property tax rates from the Potter County Appraisal District — not generic estimates or national averages. Texas has no state income tax, making accurate property tax calculations essential for budgeting.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Data Source:</strong> Potter County Appraisal District official rates</li> <li><strong>Coverage:</strong> Tax rates broken down by city, school district, and special districts</li> <li><strong>MUD/PID:</strong> Municipal Utility Districts and Public Improvement Districts included where applicable</li> <li><strong>Exemptions:</strong> Homestead exemption ($100,000 school district exemption), over-65, disability, and veteran exemptions supported</li> <li><strong>Updates:</strong> Rates verified and updated annually from County Appraisal District sources</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Property taxes in Potter County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in Amarillo.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Contact Your Amarillo Mortgage Expert</h2> <address style="font-style:normal;background:#f7fafc;padding:20px;border-radius:8px;margin-top:20px;"> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><strong>Patrick Glaros</strong></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Producing Branch Manager</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Directions Home Loan</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">NMLS #308804</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Phone: <a style="color:#2563eb;" href="tel:(469) 399-2411">(469) 399-2411</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Email: <a style="color:#2563eb;" href="mailto:pglaros@directionshomeloan.com">pglaros@directionshomeloan.com</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><a style="color:#2563eb;" href="https://www.google.com/maps?cid=18250188646545171064" rel="noopener">View on Google Maps</a> · 5.0 star rating on Google Reviews</p> </address> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">FHA loans from 3.5% down and VA loans with zero down — affordable paths to homeownership in Amarillo. Down payment assistance may cover your upfront costs.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Ready to buy in Amarillo? Contact Patrick Glaros for personalized mortgage guidance and competitive rates.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Explore More</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Browse all DFW cities →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/neighborhoods">Explore DFW neighborhoods →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Mortgage Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/refinance-calculator">Refinance Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/dscr-calculator">DSCR Calculator</a></li> </ul> </section> </article> </main> </div>