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Compare fha loan specialists in Lubbock. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Lubbock, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Texas before hiring.
Showing 19 fha loan specialists in Lubbock, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Bert Rogers - Mortgage Loan Officer - Western Bank - NMLS# 338237
11705 Slide Rd #200, Lubbock, TX 79424
8064418481
Peoples Bank Home Loan Center
5820 82nd St, Lubbock, TX 79424
8066877245
Spirit Mortgage
6604 Frankford Ave, Lubbock, TX 79424
8067985800
Whitney Chaney - Texas Tech Credit Union
6319 79th St, Lubbock, TX 79424
8064704886
Bob Rowten
6524 82nd St, Lubbock, TX 79424
8066878015
An FHA loan specialist in Lubbock Texas helps borrowers navigate FHA insured mortgages which are popular for first time homebuyers. These specialists understand Texas specific rules such as the state's homestead exemption and property tax proration requirements. They guide clients through FHA credit score minimums and mortgage insurance premiums required by the Federal Housing Administration.
What Does a FHA Loan Specialist in Lubbock Cost?
Typical costs for an FHA loan specialist in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent of the loan balance. Closing costs in Lubbock range from 2 to 5 percent of the purchase price and include appraisal fees of $400 to $700 and title insurance fees of $1,500 to $2,500. These costs vary by lender property and borrower qualifications. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What credit score is needed for an FHA loan in Lubbock Texas?
The standard minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Texas law does not impose additional credit score requirements beyond federal FHA guidelines.
Are there Texas specific FHA loan limits for Lubbock?
Yes FHA loan limits vary by county. For Lubbock County in 2025 the floor limit for a single family home is typically around $498,257. High cost area adjustments may apply but Lubbock generally follows the standard floor limit set by HUD.
How long does an FHA loan closing take in Texas?
A typical FHA loan closing in Texas takes 30 to 45 days from application to funding. Texas law requires a 3 day right of rescission period after signing loan documents. Delays can occur if the property needs repairs required by an FHA appraisal.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Texas.