From Pantex federal workers to first-time buyers — we help Amarillo families close in 21 days. USDA $0-down, VA loans, FHA with DPA, and no broker fees ever. We also serve nearby Lubbock mortgage lender markets.
STX Lending serves employees at Amarillo's top employers
Hundreds of addresses in Randall, Armstrong, and Oldham Counties around Amarillo qualify for USDA 100% financing. No down payment. No PMI. Competitive fixed rates. Manufactured home buyers should also check our manufactured home loan programs. Run scenarios in our mortgage calculator — eligibility check takes under 2 minutes.
Takes under 2 minutes. No credit pull required.
3,000+ BWXT employees call Amarillo home. We specialize in qualifying federal contractor income — complex W-2 structures, government pay scales, and clearance-related documentation that standard banks mishandle. See our conventional loan options for full-doc Pantex buyers.
Talk to a Pantex SpecialistDirect lender. No middleman markup. Every dollar saved is yours.
From USDA $0-down to Pantex federal worker programs — we match you to the loan that makes the most financial sense in the Panhandle.
Many areas surrounding Amarillo in Randall, Armstrong, and Oldham counties qualify for USDA $0-down financing. No down payment, no PMI, and competitive rates for qualifying buyers. We identify USDA-eligible addresses instantly.
VA loans for veterans, active duty, and surviving spouses. Amarillo's proximity to military installations and large government contractor workforce at Pantex means VA loans are heavily in demand here. We are VA specialists.
BWXT Pantex employs 3,000+ federal workers with complex W-2 structures, security clearances, and government pay scales. We understand how to properly document and qualify this income — most lenders don't.
Pair an FHA loan with TSAHC or TDHCA down payment assistance of up to 5% of the loan amount. Texas Heroes (teachers, first responders, healthcare workers) get priority. Amarillo ISD teachers — this one's for you.
Amarillo's $240K median price is well within conventional conforming limits. As low as 3% down with strong credit, no PMI thresholds, and the most flexible terms for buyers with established profiles.
Amarillo homeowners who've held their property through recent appreciation can access equity for improvements, debt payoff, or investment — all structured under Texas's 50(a)(6) cash-out rules.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Potter County with homestead exemption math built in.
Estimate my property taxNo bank bureaucracy. No broker middlemen. A fast, clear path from application to the closing table — right here in the Panhandle.
Under 10 minutes on any device. Sync your bank statements securely. We check USDA eligibility, VA entitlements, and DPA programs automatically during the process.
Receive a fully underwritten, credit-cleared approval letter in 48 hours. In Amarillo's market, this separates your offer from the crowd — sellers trust it like cash.
Sign most documents digitally. Meet at a local Potter or Randall County title company just for the keys. Our average is 21 days — a full month faster than most banks.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Amarillo borrowers via phone, video, and remote closings. Texas-licensed and dedicated to fast, transparent service.
Branch Manager & Loan OriginatorNMLS #1775990
Ben Gheliuc runs the STX Lending branch in San Antonio. Before mortgages, he spent over a decade as a mechanical engineer managing large commercial projects. He moved into the mortgage industry in...
Meet Ben
Mortgage Loan OriginatorNMLS #1183936
Isliana Norwood has been originating mortgages in San Antonio for 12 years. She started in college as a Loan Officer Assistant and stayed in the industry because she liked the work of getting...
Meet Isliana
Mortgage Expert
Wayne Wright is a mortgage professional at STX Lending. He works with Texas borrowers on purchases and refinances across conventional, FHA, and VA programs, with a focus on getting clients into...
Meet WayneWe operate one Texas office and serve Potter and Randall counties and the Texas Panhandle borrowers by phone, video, and remote closings.
Check your USDA eligibility, lock your rate, and close in 21 days. No broker fees, no bank delays — just local expertise from people who know the Panhandle.