THE BEST MORTGAGE DEALS DELIVERED TO YOU!
Your Mortgage. Your Way.
Looking for the Best Mortgage in
Lubbock? Start with 806 Mortgage.
At 806 Mortgage, we make mortgage shopping in Lubbock simple and stress-free. Based right here in Lubbock, TX, our team works on your behalf to shop multiple lenders and find the best mortgage rates and terms to fit your needs. Whether you're buying your first home, refinancing, or investing in property, we take the time to understand your goals and connect you with the right loan—without the hassle of doing it all yourself.
When it comes to finding the right mortgage in Lubbock, you don’t have to go it alone. Trust the local experts at 806 Mortgage to compare your options and guide you every step of the way.
HAPPY HOMEOWNERS
NOT SURE WHERE TO START?
That’s okay—we’re here to make it simple!
Taking the first step is simple with our Quick Quote. Whether you’re just exploring your options or ready to move forward, we’ll help you get started with a personalized estimate to find you the best mortgage in Lubbock, TX!
OUR SIMPLE PROCESS
Getting the best rate should be straightforward and transparent. We make it fun, too!
STEP 1
We compare mortgage rates from multiple lenders to find you the best deals available.
STEP 2
We present a variety of options, so you can make an informed decision with ease.
STEP 3
We secure the best deal, saving you time, money, and effort for your dream home.
Ready to build your dream home?
At 806 Mortgage, we believe that finding the right mortgage in Lubbock should be a clear and confident experience—not a confusing one. That’s why we’re committed to honest, transparent communication every step of the way. Whether you're a first-time buyer or a seasoned homeowner, our team makes mortgage shopping in Lubbock simple by walking you through all your options and answering your questions with clarity.
Our goal is to help you secure the best mortgage for your needs—so you can focus on what really matters: getting into your dream home. With 806 Mortgage, you get more than just great rates—you get a local team that truly puts you first.
Buying your first home?
We specialize in guiding first-time buyers through the entire process—from pre-approval to closing—with clear communication and personalized support. As a trusted local company, we make mortgage shopping in Lubbock easy by comparing multiple lenders to find the best rates and terms for your unique situation.
Getting a mortgage in Lubbock doesn’t have to be overwhelming. At 806 Mortgage, we take the stress out of the process so you can focus on what matters most—getting the keys to your first home.
Looking to refinance?
If you're a homeowner looking to lower your interest rate, reduce your monthly payment, or tap into your home’s equity, 806 Mortgage is your local partner for smart refinancing solutions. We simplify mortgage shopping in Lubbock by comparing offers from multiple lenders, helping you find the best refinance option for your goals.
With clear, honest communication and a personalized approach, we make it easy to refinance your mortgage in Lubbock—so you can get more out of the home you already love.
Why 806 Mortgage?
Experience and Expertise
With 33+ years of combined experience, Valerie and Jim Vineyard lead 806 Mortgage with a deep understanding of mortgage lending and a proven track record of helping clients achieve their homeownership and financial goals.
Personalized Service
At 806 Mortgage, we believe every client is unique. Valerie, Jim, and their team provide tailored solutions to meet your specific needs, ensuring a seamless and stress-free mortgage experience. 806 Mortgage delivers delivering fast, reliable results with an average of 11 days contract to close!
Impeccable Reputation
With countless happy clients and glowing reviews, 806 Mortgage has earned a reputation for excellence in home financing. Trust Valerie and Jim to guide you every step of the way.
OUR MORTGAGE OPTIONS
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Construction Loans
Planning to build or renovate your dream home? Construction loans provide short-term financing to cover the costs of materials, labor, and permits, with funds distributed as the project progresses. Once the construction is complete, these loans can often be transitioned into a traditional mortgage.
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Jumbo Loans
Need financing for a high-value property? Jumbo loans are designed for homes that exceed the Federal Housing Finance Agency's (FHFA) conforming loan limits. These loans typically require strong credit, a larger down payment, and a lower debt-to-income ratio, making them a smart choice for luxury homebuyers.
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VA Loans
VA loans offer unparalleled benefits to veterans, active-duty service members, and eligible spouses. With no down payment, competitive interest rates, and no private mortgage insurance (PMI), these government-backed loans make homeownership more affordable for those who have served.
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FHA Loans
Whether you're a first-time homebuyer or someone with less-than-perfect credit, FHA loans provide a pathway to homeownership. Backed by the government, they feature low down payment options (as little as 3.5%) and lenient credit and income qualifications, offering a more accessible alternative to conventional loans.
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USDA Loans
Looking to buy a home in a rural or suburban area? USDA loans make it possible with no down payment, low interest rates, and flexible credit requirements. These government-backed loans are an excellent option for low- to moderate-income buyers seeking affordable homeownership.
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Bank Statement Loans
Ideal for self-employed individuals or business owners, Bank Statement loans offer a flexible way to secure financing without the need for traditional income documentation like W-2s or tax returns. Instead, your personal or business bank statements are used to verify income, making this a great option for those with fluctuating income or significant write-offs.
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Contact Us
We offer a variety of tailored mortgage solutions to fit your unique needs. Contact us today to learn more and take the first step toward your financial goals!
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DSCR Loans
Perfect for real estate investors, Debt Service Coverage Ratio (DSCR) loans focus on the income potential of your investment property rather than your personal income. By assessing whether the property's rental income can cover its debt obligations, these loans provide a tailored solution for self-employed borrowers or those with complex financial profiles.
NO WORRIES, JUST SOLUTIONS.
At 806 Mortgage, we make it easy and enjoyable to secure the best rate for your mortgage. With our straightforward, transparent approach, you can trust that we’re here to guide you through each step quickly and efficiently—ensuring a smooth, stress-free experience from start to finish.
