Home › Texas Home Loans › Lubbock Home Loans
Now Lending in Lubbock

Lubbock home loans —
the Hub City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Lubbock and Lubbock County. From historic homes near Texas Tech to new builds in Southwest Lubbock, we bring local guidance to the Hub City of the South Plains — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Lubbock County
Lubbock Coverage
14 days*
Close In As Little As
$832,750
2026 Lubbock County Conforming Limit
5.0 ★
Google Review Rating
Lubbock Markets

Local lending across
every Lubbock neighborhood.

Lubbock Neighborhoods

Historic university districts, established central areas, and growing southwest suburbs.

  • Tech Terrace
  • Southwest Lubbock
  • Kings Park
  • Downtown & Central
Hub City Strength

An affordable, steady market anchored by Texas Tech, agriculture, and healthcare.

  • First-time & student-area programs
  • New-construction financing
  • Lubbock County coverage
  • Minutes to Texas Tech
Every Kind of Lubbock Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • FHA & VA financing
  • New construction & townhomes
  • Investment & rental properties (DSCR)
Tech TerraceSouthwest LubbockKings ParkDowntownCentralMaxey ParkWheelockBacon CrestVintage Township
Loan Programs in Lubbock

Financing for every
kind of Lubbock buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Lubbock homebuyers.

Learn more →
VA Loans

0% down for Lubbock's veterans and active-duty service members. No monthly mortgage insurance.

Learn more →
Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

Learn more →
Jumbo Loans

High-balance financing for Lubbock's luxury and higher-priced markets above conforming limits.

Learn more →
DSCR Loans

Qualify on rental income to scale your Lubbock investment-property portfolio.

Learn more →
Non-QM Loans

Bank statement and alternative-doc programs for Lubbock's self-employed borrowers.

Learn more →
FAQ

Lubbock mortgage
questions answered.

We serve homebuyers and homeowners throughout Lubbock and Lubbock County, including Tech Terrace, Southwest Lubbock, Kings Park, and the Downtown and Central areas.
The 2026 conforming loan limit is $832,750 in Lubbock County, including Lubbock. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Lubbock borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Lubbock home journey?

Get pre-approved today — no cost, no obligation. Lubbock borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825