Is Lubbock an affordable market for first-time buyers?

Yes. Lubbock's home prices are consistently below the state and national average, which stretches FHA's 3.5% down payment and available assistance programs further.

Can agricultural or farm income qualify for a mortgage?

Yes, with the right documentation. Dan works with self-employed farmers and ranchers regularly and structures files to reflect seasonal and variable agricultural income correctly.

Do you work with Texas Tech University or healthcare employees?

Regularly. Education and healthcare income is common in Lubbock, and Dan documents it correctly whether it's salaried, contract-based, or includes shift differentials.

Dan Ardis | NMLS #1412272

Mortgage Broker in Lubbock, TX

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Financing homes in Lubbock, West Texas's largest city, home to Texas Tech University and a stable, affordable market rooted in agriculture and healthcare, with a remote process built for out-of-state lenders.

Apply Now for Free (661) 342-9381

The Lubbock Housing Market

Lubbock's economy is anchored by Texas Tech University, a large regional healthcare system, and the surrounding agricultural economy of the South Plains, giving the market a stability that many oil-dependent Texas cities don't have. Home prices remain genuinely affordable relative to the state average, and the mix of university-adjacent rental demand, established family neighborhoods, and newer development on the city's south side gives buyers real variety.

Why Choose Dan Ardis for Your Lubbock Mortgage?

Lubbock's job base includes healthcare, education, and agricultural income, along with a significant population of self-employed farmers and ranchers whose income doesn't fit a standard W-2 file. Dan's underwriting background means these files get documented correctly the first time.

Loan Programs in Lubbock

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Mortgage FAQs for Lubbock

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Ready to Buy in Lubbock?

Apply online or call Dan at (661) 342-9381 for a free consultation. Licensed to lend in Texas.

Apply Now (661) 342-9381