Financial Guidance
Mortgage & Financing
Understanding your mortgage options and connecting with reputable local Panhandle lenders.
Common Loan Options
A quick overview of popular mortgage programs available to West Texas home buyers.
Conventional Loans
Ideal for buyers with strong credit scores and 3% to 20% down payments.
FHA Home Loans
Government-backed loan program allowing down payments as low as 3.5% with flexible credit options.
VA Loans
100% financing with zero down payment for eligible US military veterans and active service members.
USDA Rural Housing
Zero down payment loans designed for eligible rural and suburban Panhandle properties.
Texas First-Time Buyer Programs
State down payment assistance programs (TDHCA) providing grants and soft second loans.
Jumbo & Executive Financing
Tailored luxury mortgage solutions for high-value executive properties exceeding standard loan limits.