Skip the big bank delays. We offer El Paso families guaranteed 21-day closings, highly competitive rates, and zero broker junk fees. As a direct lender with in-house underwriting, your path to the closing table starts right here in El Paso County.
Est. Monthly Payment
Your Rate
7.375%
Trusted by El Paso Families
Faster than any national lender. We know the El Paso County title process inside and out.
Updated every 15 minutes.
Use our free calculators to plan your purchase or refinance before you apply.
We stripped away the bank bureaucracy. Here is your new path home in El Paso.
Sync your bank data securely. No PDFs or faxing tax returns.
Get a verified approval letter that is as good as cash to El Paso sellers.
Sign 90% of docs online. Show up to a local title company for the keys.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving El Paso 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 OfficerNMLS #1013126
Mary Gale is a Mortgage Loan Officer at STX Lending and has been licensed in the industry since 2020. Before mortgages she spent more than seven years as an Executive Assistant and Bookkeeper at a...
Meet Mary
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 IslianaWe operate one Texas office and serve El Paso borrowers by phone, video, and remote closings.
Buying a home in the El Paso area requires a lender who understands the unique pace and complexities of the Central Texas market. From strict property tax assessments in El Paso County to writing winning offers in multiple-bid scenarios, STX Lending provides the local advantage you need.
"We were relocating to Fort Bliss and needed to close fast on a home in East El Paso using our VA benefits. STX Lending not only beat the rates we were quoted by a national bank, but their team handled our strict timeline seamlessly. We closed in 21 days and beat out three other offers."
Every buyer is different. We match you with the program that saves the most money, not the one easiest for us to sell.
$0 down for Fort Bliss soldiers and their families. We close VA loans in El Paso in as few as 21 days.
As little as 3.5% down with flexible credit requirements — the most popular loan type for El Paso first-time buyers.
Zero down for qualifying buyers in rural El Paso County including Anthony, Horizon City, and far East El Paso.
Purchase a home using your Individual Taxpayer Identification Number. Designed specifically for Borderplex buyers.
As low as 3% down for El Paso buyers with strong credit. Great for Upper Valley and Coronado Hills properties.
Qualifying El Paso buyers may receive TSAHC grants or forgivable second liens to minimize cash at closing.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for El Paso County with homestead exemption math built in.
Estimate my property taxSTX Lending is licensed across all of Texas. Find your city below.
Every buyer is different. Browse all programs or talk to an advisor.