Home to Texas Tech University and the Reese Center — and home to thousands of veterans across the South Plains. We offer VA loans with no minimum credit score and zero down payment VA loans across the Lubbock metro area.
The VA sets no minimum — and neither do we.
VA Guidelines As Written
While most lenders add 620+ credit score overlays, we follow the VA handbook exactly as written — focusing on your residual income, payment history, and overall financial health. We've approved veterans with scores below 500.
Pull your Certificate of Eligibility instantly via our direct VA link.
Our no-overlay pre-approval makes you competitive in the Lubbock market.
Realtors who know VA Minimum Property Requirements.
Sellers cover closing costs — $0 out of pocket.
Fast closing — no national bank delays.
We aren't just another mortgage company. We are the only lender in Texas that follows the VA handbook as written — no credit score overlays, no unnecessary barriers, no wasted time.
Join thousands of South Plains veterans who used their benefit to buy a home in the Lubbock area — with $0 down and no minimum credit score.
Get Your Lubbock VA Approval Today ★Or call us directly
254-AVA-LOAN (254-282-5626)