What mortgage programs work for Texas Tech University employees in Lubbock TX?

TTU faculty and staff purchasing in Lubbock benefit from the city's exceptional affordability — median prices in the $220K–$320K range mean most purchases fit FHA ($541K limit) and conventional ($832,750 limit) programs comfortably. For self-employed or consulting faculty with variable income, bank statement programs can accommodate non-traditional income documentation. VA loans work for veteran faculty and research staff with military background. Our competitive rates make Lubbock homeownership very accessible for TTU employees.

Is Lubbock TX affordable compared to other Texas metros?

Lubbock consistently ranks among Texas's most affordable mid-size cities. With median home prices in the $220K–$320K range, it offers DFW or Austin-level amenities at roughly half the housing cost. Texas Tech University and related medical institutions (Covenant Health, UMC) provide stable employment anchoring the market. The city's economic stability supports steady appreciation without the volatility of larger Texas metros. For buyers seeking Texas homeownership at maximum affordability, Lubbock delivers.

Does Lubbock TX qualify for USDA rural home loans?

Lubbock itself (population ~260,000) does not qualify for USDA rural housing within city limits. However, many surrounding Lubbock County communities and rural fringe areas outside the city's urban boundary may qualify. For buyers willing to live just outside Lubbock proper, USDA offers zero-down financing. We can check specific addresses for USDA eligibility. VA and FHA are the primary zero-down or low-down-payment options for Lubbock city properties.

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

Absolutely — Lubbock's median home price of $230,000 is well within the $563,500 FHA loan limit, making FHA an excellent option. Your down payment would be just $8,050 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 Lubbock County buyers earning under $123,500.

What VA loan benefits are available in Lubbock?

VA loans are a powerful option for Lubbock home purchases: zero down payment (saving you $6,900 to $46,000), 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 Lubbock's median price of $230,000, you could save thousands in upfront costs compared to conventional or FHA financing.

What down payment assistance is available for Lubbock homebuyers?

Lubbock homebuyers in Lubbock 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 Lubbock 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 Lubbock, TX?

The 2026 FHA loan limit in Lubbock (DFW MSA) is $563,500 for a single-family home — well above Lubbock's median home price of $230,000. That means FHA financing is available for virtually all standard Lubbock 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 Lubbock purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in Lubbock, TX?

The 2026 conforming loan limit is $832,750 for Lubbock 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 Lubbock's median price of $230,000, conventional financing easily covers all typical Lubbock purchases. The FHA loan limit in Lubbock is also $563,500 — both limits are well above the median, giving buyers flexibility to choose the program that fits their financial profile.

How much home can I afford in Lubbock, Texas?

Based on Lubbock's median home price of $230,000, a typical monthly payment with 20% down ($46,000) would be approximately $1,163/month including principal, interest, Lubbock County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($6,900) on conventional or 3.5% ($8,050) on FHA loans, though monthly payments will be higher with mortgage insurance. Our Lubbock mortgage calculator factors in exact Lubbock County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in Lubbock, Lubbock County?

Property tax rates in Lubbock vary by school district and special taxing districts within Lubbock County, typically ranging from 1.8% to 2.8% of assessed value. On a $230,000 home, that's roughly $422/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 Lubbock calculator uses verified rates from the Lubbock County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in Lubbock?

Lubbock homebuyers in Lubbock 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 Lubbock 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 ($8,050 on a $230,000 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 Lubbock?

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

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

Lubbock TX Home Loans | Texas Tech Area

<div style="max-width:1200px;margin:0 auto;padding:20px;font-family:system-ui,sans-serif;" role="main" aria-label="Lubbock 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>Lubbock</span> </nav> <main> <article> <header> <h1 style="color:#1a365d;margin-bottom:10px;font-size:2rem;">Buy Your Lubbock Home — We Handle the Mortgage</h1> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lubbock TX mortgage expert serving Texas Tech faculty, staff & Hub City homebuyers. FHA, VA, conventional & USDA rural options. 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 Lubbock 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;">Hub City - Heart of West Texas</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Lubbock Appeals to Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lubbock is defined by Texas Tech University, a Tier One research institution with over 40,000 students that drives the local economy and culture. The university fuels job creation across education, research, and technology sectors while supporting a vibrant college-town atmosphere with Division I athletics, performing arts, and a steady influx of young professionals choosing to put down roots after graduation. Texas Tech's Health Sciences Center further strengthens the city's healthcare and biomedical research presence.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Agriculture has been the backbone of West Texas for generations, and Lubbock sits at the center of one of the world's most productive cotton-growing regions. This agricultural economy, combined with a rapidly growing healthcare sector led by Covenant Health System and University Medical Center (UMC), creates a diversified employment base that insulates the city from economic downturns. United Supermarkets, headquartered in Lubbock, and the Reese Technology Center—a repurposed former Air Force base—add further economic diversity and career opportunities.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lubbock's dry, sunny climate with over 260 days of sunshine per year and exceptionally affordable housing make it one of the best values in Texas. Homebuyers can purchase spacious single-family homes at a fraction of what comparable properties cost in Dallas, Austin, or Houston. The city's low cost of living, friendly community atmosphere, and wide-open West Texas landscape attract families, retirees, and professionals seeking a high quality of life without the urban congestion and price pressures of larger metros.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Texas Tech University - Tier One research institution with 40,000+ students</li> <li>Median home price ~$230K—well below state and national averages</li> <li>Major healthcare employers: Covenant Health, UMC Health System</li> <li>Over 260 days of sunshine per year with dry, mild climate</li> <li>No state income tax with exceptionally low cost of living</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frequently Asked Questions About Lubbock 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 Lubbock?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The median home price in Lubbock is approximately $230,000, making it one of the most affordable cities in Texas. Homes range from $130K for starter homes near Tech Terrace to over $700K for custom homes in Heritage Oaks and south Lubbock estates. Try our Lubbock mortgage calculator to see exact monthly payments including Lubbock County property taxes at today's 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 credit score do I need to buy a home in Lubbock?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Most Lubbock home loans require a minimum 600 credit score for conventional loans with AUS approval (620 for manually underwritten loans). FHA loans accept scores as low as 550 — borrowers with 550-579 need 10% down, while 580+ qualifies for 3.5% down. VA loans require a minimum 550 FICO. With Lubbock's affordable pricing, many homes fall well within FHA loan limits of $541,287.</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 much down payment do I need for a Lubbock home?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Down payment requirements vary by loan type: Conventional loans require 3-20% down, FHA loans need 3.5% down. On a $230,000 Lubbock home, that means as little as $6,900-$8,050 down depending on the program.</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 Lubbock?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Lubbock property taxes range from approximately 2.0% to 2.6% depending on the school district. Lubbock ISD areas average around 2.3%, while Frenship ISD and Lubbock-Cooper ISD areas may vary. Texas has no state income tax, which offsets higher property tax rates. Try our Lubbock mortgage calculator with built-in Lubbock County tax rates to see your complete monthly housing cost.</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;">Which school districts serve Lubbock?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Lubbock is served by three main school districts: Lubbock ISD (30,000 students), Lubbock-Cooper ISD (8,500 students, A-rated), and Frenship ISD in the Wolfforth area (12,000 students, A- rated). Lubbock-Cooper and Frenship are among the highest-rated districts in West Texas. 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;">How do I get pre-approved for a home loan in Lubbock?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Lubbock 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 Lubbock County. Start your free pre-approval today to shop Lubbock neighborhoods with confidence.</p> </details> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Lubbock Housing Market Overview</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The Lubbock, TX real estate market offers diverse opportunities for homebuyers in Lubbock County.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Median Home Price in Lubbock:</strong> $230,000</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> Lubbock County, Texas</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Lubbock Neighborhoods by Price Range</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Explore Lubbock 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 - $230,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Central Lubbock / Tech Terrace</strong> - Homes from $130,000 to $230,000</li> <li><strong>South Lubbock Older</strong> - Homes from $140,000 to $220,000</li> <li><strong>Southwest Lubbock Starter</strong> - Homes from $160,000 to $230,000</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 ($230,000 - $400,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Southwest Lubbock Newer</strong> - Homes from $230,000 to $380,000</li> <li><strong>Lubbock-Cooper Area</strong> - Homes from $250,000 to $400,000</li> <li><strong>Frenship ISD Area (Wolfforth)</strong> - Homes from $240,000 to $390,000</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 ($400,000 - $700,000+)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Heritage Oaks / Vintage Township</strong> - Homes from $400,000 to $700,000</li> <li><strong>Kelsey Park Area</strong> - Homes from $420,000 to $650,000</li> <li><strong>South Lubbock Custom Homes</strong> - Homes from $450,000 to $750,000</li> </ul> </div> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">School Districts in Lubbock</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Lubbock 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>Lubbock ISD</strong> - B</li> <li><strong>Lubbock-Cooper ISD</strong> - A</li> <li><strong>Frenship ISD</strong> - A-</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Major Employers Near Lubbock</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Convenient commutes to major employment centers make Lubbock an attractive location for professionals.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Texas Tech University</li> <li>UMC Health System</li> <li>Covenant Health</li> <li>United Supermarkets HQ</li> <li>Reese Technology Center</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Buy a Home in Lubbock?</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>University Economy:</strong> Texas Tech University drives the local economy with 40,000+ students, major research funding, and a steady pipeline of young professionals.</li> <li><strong>Healthcare Hub:</strong> Major medical employers including UMC Health System, Covenant Health, and Texas Tech Health Sciences Center provide thousands of stable jobs.</li> <li><strong>Exceptional Affordability:</strong> Median home prices around $230K with no state income tax make Lubbock one of the most affordable cities in Texas for homebuyers.</li> <li><strong>Sunny Climate:</strong> Over 260 days of sunshine per year with a dry, mild climate ideal for outdoor living and low home maintenance costs.</li> <li><strong>Agricultural Strength:</strong> Center of one of the world's most productive cotton-growing regions, providing a stable economic base alongside modern industries.</li> <li><strong>Growing Technology Sector:</strong> Reese Technology Center and Texas Tech research initiatives are driving innovation and attracting tech companies to the region.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Mortgage Options for Lubbock Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Find the right financing for your Lubbock home purchase in Lubbock 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 Lubbock 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. Lubbock 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 Lubbock homeowners.</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The 2026 conforming loan limit for Lubbock 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 Lubbock.</p> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Try our interactive Lubbock 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/lubbock-home-loans#calculators">Buydown Calculator</a> — all pre-loaded with Lubbock 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 Lubbock Home</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Based on Lubbock's median home price of $230,000:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>3% down (Conventional first-time):</strong> $6,900 down payment</li> <li><strong>3.5% down (FHA):</strong> $8,050 down payment</li> <li><strong>5% down (Conventional):</strong> $11,500 down payment</li> <li><strong>10% down:</strong> $23,000 down payment</li> <li><strong>20% down (no PMI):</strong> $46,000 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> ~$1,163/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 Lubbock mortgage payment by $400–$900/month in the early years. <a style="color:#2563eb;" href="https://www.patrickglaros.com/lubbock-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;">Lubbock County Property Tax Data</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Our Lubbock calculators use verified property tax rates from the Lubbock 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> Lubbock 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 Lubbock County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in Lubbock.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Contact Your Lubbock 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 Lubbock. Down payment assistance may cover your upfront costs.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Ready to buy in Lubbock? 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>