What VA loan benefits are available for Fort Bliss families in El Paso TX?

Fort Bliss is one of the largest military installations in the US, making El Paso one of Texas's biggest VA loan markets. VA financing provides zero down payment, no monthly PMI, competitive rates, and no loan limit with full entitlement — exceptional value in El Paso's $225K–$280K median market. Our company minimum VA credit score is 550, giving us one of the broadest eligibility ranges. For Fort Bliss soldiers on PCS orders, our 21-day average closing timeline accommodates military move schedules. BAH at El Paso rates supports strong VA loan qualification. Get pre-approved in about 15 minutes.

Is El Paso TX affordable for first-time homebuyers?

El Paso offers the lowest cost of living among major Texas metro areas. With median home prices around $225K–$250K, FHA's 3.5% down equals just $7,875–$8,750. VA zero-down financing is widely used throughout the city. El Paso County's property tax rates are among the more manageable in Texas, though they vary by EPISD, YISD, SISD, and other districts. TSAHC El Paso County DPA grants may further reduce first-time buyer costs. For Texas home buyers seeking absolute affordability with a strong employment base, El Paso delivers exceptional value.

What school districts serve El Paso TX and how do they affect home values?

El Paso has multiple school districts: El Paso ISD (EPISD, serves central and west El Paso), Ysleta ISD (YISD, serves south and east El Paso), Socorro ISD (SISD, growing east El Paso with newer schools), and Canutillo ISD (northwest near Fort Bliss). SISD has been growing rapidly with newer facilities and improving ratings. EPISD and SISD zones on the west side near Fort Bliss are popular with military families. Our El Paso team can map your target neighborhoods to the best school zones for your needs.

Can I buy a home in El Paso with an FHA loan?

Absolutely — El Paso's median home price of $235,000 is well within the $563,500 FHA loan limit, making FHA an excellent option. Your down payment would be just $8,225 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 El Paso County buyers earning under $123,500.

What VA loan benefits are available in El Paso?

VA loans are a powerful option for El Paso home purchases: zero down payment (saving you $7,050 to $47,000), 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 El Paso's median price of $235,000, you could save thousands in upfront costs compared to conventional or FHA financing.

What down payment assistance is available for El Paso homebuyers?

El Paso homebuyers in El Paso 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 El Paso 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 El Paso, TX?

The 2026 FHA loan limit in El Paso (DFW MSA) is $563,500 for a single-family home — well above El Paso's median home price of $235,000. That means FHA financing is available for virtually all standard El Paso 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 El Paso purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in El Paso, TX?

The 2026 conforming loan limit is $832,750 for El Paso 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 El Paso's median price of $235,000, conventional financing easily covers all typical El Paso purchases. The FHA loan limit in El Paso 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 El Paso, TX?

Credit score requirements vary by loan program for El Paso homebuyers: FHA loans require 580+ for 3.5% down ($8,225 on the median El Paso 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 ($7,050). 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 El Paso, Texas?

Based on El Paso's median home price of $235,000, a typical monthly payment with 20% down ($47,000) would be approximately $1,188/month including principal, interest, El Paso County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($7,050) on conventional or 3.5% ($8,225) on FHA loans, though monthly payments will be higher with mortgage insurance. Our El Paso mortgage calculator factors in exact El Paso County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in El Paso, El Paso County?

Property tax rates in El Paso vary by school district and special taxing districts within El Paso County, typically ranging from 1.8% to 2.8% of assessed value. On a $235,000 home, that's roughly $431/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 El Paso calculator uses verified rates from the El Paso County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in El Paso?

El Paso homebuyers in El Paso 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 El Paso 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 ($8,225 on a $235,000 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 El Paso?

Our average closing time for El Paso 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 El Paso sellers. Pre-approved buyers often close even faster since appraisal and underwriting begin immediately. We coordinate directly with El Paso 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 El Paso?

The first step is getting pre-approved — it's free, takes about 15 minutes, and gives you a clear picture of your El Paso home buying budget. Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer in competitive El Paso 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 El Paso County taxes. Start your free pre-approval online or call us to discuss your El Paso home buying goals.

El Paso TX Home Loans | VA & FHA | Fort Bliss Expert Lender

<div style="max-width:1200px;margin:0 auto;padding:20px;font-family:system-ui,sans-serif;" role="main" aria-label="El Paso 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>El Paso</span> </nav> <main> <article> <header> <h1 style="color:#1a365d;margin-bottom:10px;font-size:2rem;">Buy Your El Paso Home — We Handle the Mortgage</h1> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">El Paso TX mortgage expert serving Fort Bliss military families & Sun City civilians. VA zero-down, FHA 3.5%, conventional — trusted local lender. 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 El Paso 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;">Sun City - Where Texas Meets the Border</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why El Paso Appeals to Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">El Paso's economy is anchored by Fort Bliss, one of the largest military installations in the United States, supporting over 40,000 soldiers, family members, and civilian employees. The base drives demand for housing across every price tier and fuels a robust local economy that includes William Beaumont Army Medical Center, defense contractors, and support services. Military families benefit from VA loan eligibility and housing allowances that align well with El Paso's affordable market.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The University of Texas at El Paso (UTEP) adds an academic and research dimension to the city, employing thousands and attracting students from both sides of the border. UTEP's growing research profile in engineering, health sciences, and border studies contributes to a skilled workforce and supports neighborhoods near campus. The university's presence creates a vibrant West Side culture with restaurants, shops, and entertainment options.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">El Paso's bilingual culture and position on the U.S.-Mexico border create unique economic advantages including cross-border commerce, medical tourism from Mexico, and a binational workforce. The city offers some of the most affordable housing among major Texas metros, with mountain views of the Franklin Mountains available even at moderate price points. Buyers find exceptional value compared to Austin, Dallas, or Houston while enjoying over 300 days of sunshine annually.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Fort Bliss — one of the largest U.S. military installations with 40,000+ personnel</li> <li>UTEP — major research university driving West Side growth and employment</li> <li>Bilingual culture and thriving cross-border economy with Ciudad Juárez</li> <li>Median home price around $235,000 — among the most affordable major Texas cities</li> <li>Franklin Mountains State Park — the largest urban park in the contiguous U.S.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frequently Asked Questions About El Paso 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 El Paso?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The median home price in El Paso is approximately $235,000, making it one of the most affordable major cities in Texas. Homes range from $130K in Central El Paso to $650K+ in the Upper Valley and Franklin Mountains foothills. With conventional financing, you'd need as little as $6,900 down (3%). Use our El Paso mortgage calculator to see exact monthly payments with El Paso County tax 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 El Paso?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">El Paso property tax rates vary by school district, generally ranging from 2.2% to 2.8%. El Paso ISD, Ysleta ISD, Socorro ISD, and Canutillo ISD each have different rates. Use our calculator for an exact estimate based on your neighborhood. Use our free calculator to see how El Paso County taxes affect your monthly payment across different El Paso neighborhoods.</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;">Is El Paso good for VA loan buyers?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">El Paso is one of the best VA loan markets in Texas thanks to Fort Bliss. With zero down payment, no PMI, and home prices well below the VA loan limit of $832,750, military families can purchase quality homes with very low monthly costs. Get pre-approved in about 15 minutes to see which programs offer the best rates for your situation.</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 loan limits in El Paso?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The FHA loan limit in El Paso County is $541,287, which is the national floor. With median prices around $235,000, most El Paso homes fall well within FHA limits, making 3.5% down payment purchases accessible for first-time buyers.</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 neighborhoods in El Paso for families?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Top family neighborhoods include the West Side near UTEP for walkability and culture, Eastside/Pebble Hills for newer construction and Socorro ISD schools, and the Upper Valley for larger lots and Canutillo ISD. Each offers different price points and school district options.</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 El Paso?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">El Paso 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 El Paso County. Start your free pre-approval today to shop El Paso neighborhoods with confidence.</p> </details> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">El Paso Housing Market Overview</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The El Paso, TX real estate market offers diverse opportunities for homebuyers in El Paso County.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Median Home Price in El Paso:</strong> $235,000</li> <li><strong>Year-over-Year Price Change:</strong> +2.0%</li> <li><strong>Average Days on Market:</strong> 50 days</li> <li><strong>County:</strong> El Paso County, Texas</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">El Paso Neighborhoods by Price Range</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Explore El Paso 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 ($130,000 - $220,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Central El Paso</strong> - Homes from $130,000 to $210,000</li> <li><strong>Lower Valley</strong> - Homes from $135,000 to $220,000</li> <li><strong>Northeast El Paso</strong> - Homes from $140,000 to $215,000</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>West Side / UTEP Area</strong> - Homes from $220,000 to $360,000</li> <li><strong>Eastside / Pebble Hills</strong> - Homes from $230,000 to $380,000</li> <li><strong>Horizon City Area</strong> - Homes from $225,000 to $350,000</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 - $650,000+)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Upper Valley / Country Club Area</strong> - Homes from $380,000 to $650,000</li> <li><strong>Coronado Hills</strong> - Homes from $400,000 to $600,000</li> <li><strong>Westside Custom Homes / Franklin Mountains</strong> - Homes from $425,000 to $650,000</li> </ul> </div> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">School Districts in El Paso</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">El Paso 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>El Paso ISD</strong> - B</li> <li><strong>Ysleta ISD</strong> - B</li> <li><strong>Socorro ISD</strong> - B+</li> <li><strong>Canutillo ISD</strong> - B+</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Major Employers Near El Paso</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Convenient commutes to major employment centers make El Paso an attractive location for professionals.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Fort Bliss</li> <li>William Beaumont Army Medical Center</li> <li>UTEP</li> <li>El Paso Electric</li> <li>Providence Health Network</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Buy a Home in El Paso?</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Military Economy:</strong> Fort Bliss and William Beaumont Army Medical Center employ tens of thousands, creating stable housing demand and strong VA loan utilization.</li> <li><strong>Affordable Living:</strong> Median home prices around $235,000 make El Paso one of the most affordable major Texas metros with exceptional value per square foot.</li> <li><strong>Border Economy:</strong> Binational commerce with Ciudad Juárez, cross-border workforce, and medical tourism create unique economic strengths and cultural richness.</li> <li><strong>University Hub:</strong> UTEP drives research, employment, and West Side neighborhood vitality with growing programs in engineering and health sciences.</li> <li><strong>Mountain Views:</strong> Franklin Mountains State Park — the largest urban park in the contiguous U.S. — provides stunning desert mountain scenery and outdoor recreation.</li> <li><strong>Sun City Climate:</strong> Over 300 days of sunshine annually, mild winters, and low humidity create an appealing year-round outdoor lifestyle.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Mortgage Options for El Paso Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Find the right financing for your El Paso home purchase in El Paso 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 El Paso 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. El Paso 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 El Paso homeowners.</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The 2026 conforming loan limit for El Paso 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 El Paso.</p> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Try our interactive El Paso 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/el-paso-home-loans#calculators">Buydown Calculator</a> — all pre-loaded with El Paso 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 El Paso Home</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Based on El Paso's median home price of $235,000:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>3% down (Conventional first-time):</strong> $7,050 down payment</li> <li><strong>3.5% down (FHA):</strong> $8,225 down payment</li> <li><strong>5% down (Conventional):</strong> $11,750 down payment</li> <li><strong>10% down:</strong> $23,500 down payment</li> <li><strong>20% down (no PMI):</strong> $47,000 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> ~$1,188/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 El Paso mortgage payment by $400–$900/month in the early years. <a style="color:#2563eb;" href="https://www.patrickglaros.com/el-paso-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;">El Paso County Property Tax Data</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Our El Paso calculators use verified property tax rates from the El Paso 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> El Paso 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 El Paso County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in El Paso.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Contact Your El Paso 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 El Paso. Down payment assistance may cover your upfront costs.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Ready to buy in El Paso? 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>