Lubbock, TX
Buy your first Lubbock, TX home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Lubbock budgets. We walk you through every step.
How Lubbock buyers get to the closing table.
Lubbock’s market is anchored by Texas Tech University, producing durable rental and owner-occupant demand, with prices among the most affordable in Texas.
That market shapes the loan. In Lubbock County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Lubbock purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Lubbock from the ground up — close to Texas Tech University. We finance homes across Tech Terrace, Maxey Park, Overton, and Lakeridge — and every other corner of Lubbock. Looking for a mortgage broker near you in Lubbock? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Lubbock market knowledge
Near Texas Tech University, across Tech Terrace, Maxey Park, Overton — we know Lubbock's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Lubbock buyers often start with FHA, first-time-buyer, down-payment-assistance — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Lubbock file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Lubbock loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Lubbock, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Lubbock financing that fits the home and the borrower.
For Lubbock we lean on FHA, first-time-buyer, down-payment-assistance through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Lubbock, we also help buyers in Midland, Amarillo, Odessa. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Lubbock, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Lubbock office.
Lubbock mortgage questions, answered.
What's the 2026 conforming loan limit in Lubbock?
In Lubbock County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Lubbock?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Lubbock. We match you to the ones you qualify for.
Which Lubbock neighborhoods do you serve?
We serve buyers across Lubbock, including Tech Terrace, Maxey Park, Overton. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Lubbock, TX?
Yes. We help Lubbock homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TX financing for you.
Do you serve areas near Lubbock?
Yes — we also work with buyers in nearby Midland, Amarillo, Odessa. Same process, local loan-limit details for each.
Let's finance your Lubbock home.
Straight answers on your Lubbock options, and a broker who shops the whole market so you don't have to.