Lubbock, TX
From renting in Lubbock to owning in Lubbock.
Lubbock buyers get the full menu — first-time-buyer, down-payment-assistance, FHA — fitted to the Lubbock budget you actually have, Tech Terrace included.
Can Choice Home Mortgage help me buy a home in Lubbock, TX?
Yes. Choice Home Mortgage helps Lubbock buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Lubbock file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
The 2026 conforming limit for a one-unit Lubbock home is $832,750 (Lubbock County, per FHFA). We start every Lubbock file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Lubbock mortgage market.
Lubbock’s market is anchored by Texas Tech University, producing durable rental and owner-occupant demand, with prices among the most affordable in Texas.
So the Lubbock strategy starts with the market, not the rate sheet. A one-unit Lubbock purchase conforms to $832,750 in 2026 — the national baseline Lubbock County runs on. Under that $832,750 line — where most Lubbock purchases sit — conventional, FHA, and down-payment-assistance all stay in play. Lubbock itself prices entry-level. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Call it 239,000-plus people: Lubbock runs from Tech Terrace to Lakeridge, and Levelland and Wolfforth sit just outside the line. We can talk Lubbock down to the blocks around Texas Tech University. Name the Lubbock neighborhood — Tech Terrace, Maxey Park, Overton, and Lakeridge or beyond — and we finance there. If you’re in Lubbock hunting for a nearby broker: we work Lubbock loans by phone and online, Lubbock knowledge included. Texas coverage here spans 83 cities, Lubbock among them — each on its own county limits, each shopped the same way.
One file, many lenders, Lubbock terms.
Lubbock know-how
Near Texas Tech University, across Tech Terrace, Maxey Park, Overton — we know Lubbock's neighborhoods, prices, and the programs that fit them.
First Lubbock home help
The Lubbock starting lineup is usually first-time-buyer, down-payment-assistance, FHA; we add whichever down-payment help your Lubbock budget is eligible for.
Many lenders, one file
Lubbock buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
Owner-coordinated
In Lubbock you get the owner, Esther Buede, coordinating your file personally, with no queue for Lubbock files.
Lubbock files get the owner as coordinator.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Lubbock file, Maxey Park or any Lubbock address, first call to keys. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Programs shaped to Lubbock price tags.
First-time-buyer work anchors our Lubbock lending, with Texas Tech University part of the pull. Lubbock work runs heaviest on first-time-buyer, down-payment-assistance, FHA, arranged through our licensed partner-broker network — but the full menu stays open for Lubbock files: conventional, non-QM, FHA loans, and VA. Step in wherever you are — buying, refinancing your mortgage, or comparing — get started here or call (949) 522-7310.
For Lubbock, that usually means FHA, first-time-buyer, down-payment-assistance.
Not every Lubbock file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income, and Lubbock investors can lean on DSCR investor loans. Lubbock County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
And around Lubbock: Levelland, Wolfforth, Shallowater are all in reach. More Texas cities we work in →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Lubbock, TX buyers through licensed partner brokers. Equal Housing Opportunity. We work with Lubbock buyers remotely and maintain no Lubbock office.
Lubbock home-loan questions, straight answers.
What's the conforming cap on a Lubbock home loan?
In Lubbock, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Lubbock County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Lubbock County have a $1,066,250 conforming limit for 2026.
How do first-time buyers usually finance a Lubbock home?
First-time buyers in Lubbock usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Lubbock County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
What parts of Lubbock do you work in?
Every part of Lubbock, including Tech Terrace, Maxey Park, Overton and Lakeridge. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Wherever the address is, from Tech Terrace to Lakeridge, a licensed partner broker originates the loan and we coordinate it by phone and online.
I'm buying in Lubbock, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Lubbock loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Lubbock office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Lubbock?
Yes. Besides Lubbock, we also arrange loans in Levelland, Wolfforth and Shallowater through licensed partner brokers. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Lubbock file.
Do I ever need to visit an office for my Lubbock loan?
No. A Lubbock loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Texas originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Next stop: your Lubbock address.
One conversation, zero pressure — your Lubbock plan mapped and a market of lenders put to work on the Lubbock file.