From Texas Tech faculty to first-time buyers — we help Lubbock families close in 21 days. Access the LHFC HAT grant, USDA $0-down, and no broker fees ever. We also serve nearby Amarillo mortgage lender markets.
STX Lending serves employees at Lubbock's top employers
The LHFC's Homeownership Across Texas (HAT) Grant provides 1–5% of the loan amount toward your down payment assistance and closing costs — and unlike most assistance programs, you never pay it back. Not a loan. Not deferred. A grant. Available with FHA, VA, USDA, and conventional financing.
Takes under 3 minutes. No credit pull required.
9-month contracts, research stipends, and grant income — TTU pay is complex. We've helped dozens of Tech faculty qualify correctly, often for significantly more than their bank first offered. Run scenarios in our mortgage calculator before you start shopping.
Talk to a TTU SpecialistDirect lender. No markup, no middlemen. Every dollar saved stays at closing.
From the LHFC HAT grant to USDA $0-down and TTU faculty programs — we match you to the loan that maximizes your buying power in Lubbock.
The Lubbock Housing Finance Corporation's Homeownership Across Texas (HAT) Grant provides 1–5% of the loan amount as a non-repayable grant toward down payment and closing costs. It doesn't need to be paid back — ever. Stack it with FHA or conventional financing to slash your cash at closing.
$0 down payment for eligible veterans, active duty, and surviving spouses. Lubbock County has a strong veteran population with Reese Technology Center nearby. We are VA loan specialists with deep experience navigating VA appraisals.
Texas Tech University is Lubbock's #1 employer. Academic income — 9-month contracts, research grants, tenure-track supplements — is complex. We properly document TTU income structures and regularly help faculty qualify for more than their bank first suggests.
Communities surrounding Lubbock County — Wolfforth, Slaton, Idalou, New Deal — may qualify for USDA $0-down financing. We check address eligibility instantly. For buyers open to a short commute outside city limits, USDA eliminates the down payment entirely.
Lubbock's $228K median fits squarely in conventional conforming limits. Lubbock ISD teachers and healthcare workers qualify for TSAHC Texas Heroes — up to 5% DPA grant that's stackable with conventional financing.
Lubbock homeowners in Landmark Arts District, Lakeridge Estates, and southwest Lubbock have built equity through steady appreciation. Access it for improvements, investment, or debt payoff under Texas 50(a)(6) rules.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Lubbock County with homestead exemption math built in.
Estimate my property taxNo bank delays. No broker fees. A transparent, fast path to your Lubbock closing table — HAT grant coordination included.
Under 10 minutes on any device. We check HAT Grant eligibility, USDA maps, VA entitlement, and TSAHC Heroes programs automatically at application.
Get a fully underwritten, credit-cleared approval in 48 hours. In Lubbock's buyer-friendly market, a strong approval gives you real negotiating leverage on price and concessions.
Sign most documents online. We coordinate HAT Grant disbursement directly with the LHFC. Meet at a local title company for the keys — our average close is 21 days.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Lubbock 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 #2733016
Christian Radulescu spent 20 years in mechanical engineering, most recently as Director of Engineering managing more than 20 engineers and project managers. He grew up in the Pacific Northwest as...
Meet Christian
Mortgage Loan OriginatorNMLS #2781461
Roxana Iorgoni is a Mortgage Loan Originator licensed in Texas, California, and Washington. She has a Bachelor's degree in Accounting and spent more than 15 years co-running a multi-location...
Meet RoxanaWe operate one Texas office and serve Lubbock County and the South Plains borrowers by phone, video, and remote closings.
Check your HAT Grant eligibility, lock your rate, and close in 21 days. No broker fees, no bank delays — just local expertise from people who know Lubbock.