FHA VS Conventional loan programs in 2025 for Shallowater, Lubbock County, Texas

In 2025, Convetional loan limit in Shallowater, county of Lubbock, TX is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in TX is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Shallowater, county of Lubbock, TX

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 79363

Conventional and FHA loan options in Shallowater, TX

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Connery Capital Mortgage of Colorado
  • 4218 W 41st Ave, Denver, CO, 80212
  • Ryan Connery graduated from University of Colorado Boulder in 2008. Since then, he has lived all around the country but eventually decided to call Colorado his permanent home. In past experience, he has worked for large and small mortgage banks but prefers the more personal experience for clients while also getting fair costs and rates.
  • Salt Funding - Hard Money Lender
  • 3700 Tennyson Street, Suite 12070, Denver, CO, 80212
  • Salt Funding is a Denver based Private Money lending company. We pride ourselves on fee transparency and speed in lending. Focus is on single family and multi-family residential non-owner occupied loans. Our typical loan is a 6-12 month term at 10% and 2 points for the first 6 months.
  • Hartness Home Loans LLC
  • 28465 Cragmont Drive, Evergreen, CO, 80439
  • Hartness Home Loans is a full-service mortgage broker based in Evergreen, Colorado. We provide Jumbo, Conventional FHA, VA, New Construction, Renovation, Reverse, and Down Payment Assistance Mortgages in Colorado. Whether you are buying a home or refinancing we can help you realize your dream of home
  • Mint Mortgage LLC
  • 31021 Troutdale Ridge Road, Evergreen, CO, 80439
  • Mint Mortgage is committed to find the best loan program for your needs. Our company is different than most because we operate as brokers to look across available wholesale lenders that offer financing in Colorado. We have very little overhead, so the lowest rate is passed directly to you.
  • Loan Zone Mortgage, LLC.
  • 28225 Hwy 74, Suite 202, Evergreen, CO, 80439
  • The Loan Zone Mortgage, LLC. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Fox Valley Mutual Inc
  • 2942 Evergreen Parkway, Suite 425 C, Evergreen, CO, 80439
  • Our mission is to offer the best mortgage rates and minimal closing costs while providing outstanding service! We understand that purchasing or refinancing your home is one of the most important decisions you will make in your lifetime. As such, we believe it is our responsibility to guide you through the mortgage process as a trusted advisor.
  • Colorado Hard Money
  • 1153 Bergen Parkway, Suite 227, Evergreen, CO, 80439
  • Fairview is a private commercial and residential lender. We are a direct lender with no upfront fees. We strictly lend our own money and hold / service all of our own loans. All decisions are made in house which allows us to close loans quickly. When you work with Fairview, you work directly with the decision makers
  • Indigo Mountain Mortgage LLC
  • 4210 Wadsworth Blvd, Suite 302, Wheat Ridge, CO, 80034
  • Indigo Mountain Mortgage considers itself fortunate to offer a full range of loan products, including Jumbo Loans and Low Documentation Loans for people who are successful self-employed borrowers, FHA Loans, VA Loans, Conventional Loans, and Private money sources and Mountain Mortgage. Local expertise and broad real estate experience.
  • UBank
  • 4822 North Street, Nacogdoches, TX, 75965
  • "Today, we stand as one of the last remaining community banks in East Texas, and our commitment to you has only grown stronger. Every product and service we offer is designed with your best interest in mind. From providing you with the latest financial products and tools to offering you the know-how advice to help you grow, we do it all for you.
  • Credit Union of the Rockies
  • 1010 Johnson Road, Golden, CO, 80401
  • Credit Union of the Rockies is a member-owned, not-for-profit financial institution that provides financial services to people who have a common bond through occupation, association or community. We were established in 1937 to service the Farm Security Administration in Denver.We strive to enrich lives in our mountain communities while helping you.