Mortgage Loan in El Paso, TX – Home Loans Made Simple
Work with a local mortgage professional to secure great loan options in El Paso. From Westside, Eastside, and near Fort Bliss, we make buying your dream home stress-free.
Start Your Home Loan in El Paso
See how much home you can afford in under 60 seconds.
Buying a Home in El Paso
El Paso offers a unique blend of cultures, stunning mountain views, and some of the most affordable housing in Texas. Known as the Sun City, it boasts a strong community, a growing economy, and a significant military presence with Fort Bliss. Whether you're a first-time buyer looking for a starter home or a military family relocating to the area, El Paso is an incredible place to put down roots.
As a local El Paso mortgage lender, we understand the nuances of the local property taxes, neighborhood trends, and how to structure your loan to maximize your buying power in this competitive market.
Home Loan Options in El Paso
We offer a comprehensive suite of mortgage products tailored to El Paso buyers.
Conventional Loans
Ideal for buyers with good credit. Offers flexible terms and down payments as low as 3%.
Learn MoreFHA Loans
Perfect for first-time buyers. Requires just 3.5% down and offers flexible credit requirements.
Learn MoreVA Loans*
Exclusive 0% down* financing for our large military community.
Learn MoreUSDA Loans*
100% financing for eligible rural and suburban properties just outside the El Paso city limits.
Learn MoreJumbo Loans
Financing for luxury properties that exceed standard conforming loan limits.
Learn More1x Close Construction
Build your dream home with a single closing for land, construction, and permanent financing.
Learn MoreHow Much Home Can You Afford in El Paso?
Use our calculators to estimate your monthly payments, including local property taxes and insurance.
Mortgage Calculator
Estimate your monthly payments
Estimated Monthly Payment*
*Hypothetical monthly mortgage payments reflect hypothetical principal & interest amounts rounded-sm to the nearest dollar amount and do not include estimated insurance, taxes, or other possible fees. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer.
See What You Can Afford in 60 Seconds
Stop guessing. Get a realistic estimate of your maximum home price and monthly payment based on current Texas rates and guidelines.
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- Includes estimated Texas property taxes*
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First-Time Buyer Programs in El Paso
Don't let a down payment hold you back. El Paso and the state of Texas offer incredible grants and assistance programs to help you buy your first home.
- City of El Paso First Time Homebuyer Program: Provides assistance with down payment and closing costs for eligible low-to-moderate income buyers.
- TSAHC Programs: Texas State Affordable Housing Corporation offers down payment assistance grants and MCCs.
- TDHCA My First Texas Home: Statewide program providing competitive fixed-rate mortgages and down payment assistance.
Check Grant Eligibility
Find out if you qualify for El Paso down payment assistance.
How to Buy a Home in El Paso
A clear, step-by-step guide to securing your property.
Get Pre-Approved
Know your exact budget before you start touring homes in El Paso.
Shop for Homes
Work with a local realtor to find the perfect home in your desired neighborhood.
Make an Offer
Submit a competitive offer. We'll ensure your financing looks rock-solid to the seller.
Close
Sign the final paperwork at a local title company and get the keys to your new home!
Why Choose Taylor Ring as your El Paso, Texas Loan Officer?
Deep Market Knowledge
Out-of-state online lenders don't understand Texas property taxes, MUDs, or local HOAs. We accurately calculate your true monthly payment so there are no surprises.
Quicker Closings
Real estate moves fast here. We process and underwrite locally, allowing us to close your loan efficiently.
Personalized Service
You're not just a file number. You get a direct line to your loan officer who will guide you through every step of the buying process.
El Paso Home Loan FAQs
Common questions about buying a home in El Paso.
Explore Your Loan Options
Ready to Buy a Home in El Paso?
Start today and get pre-approved* in as little as 24 hours. Your El Paso dream home is waiting.