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Home Loan Products

Anyone – well, nearly anyone – can offer home loans. A lot of banks and mortgage companies do. Sure, we offer a few products that other companies might not, but it’s our West Texas values that make the difference between just getting a good deal and being treated a good deal better. Here’s what you can expect from us:

  • Transparent, Open Lines of Communication
  • Local Underwriting
  • Competitive Rates

Conventional Loan

Fixed Rate Loan:

Traditional Fixed Rate Loans provide home buyers with peace-of-mind as they offer predictability in rates and payments for the life of the loan.

Adjustable Rate Mortgage:

If you’re hoping to buy or sell your home in the near future, an Adjustable Rate Mortgage (ARMs) might be a good fit. These loans typically feature lower introductory rates that are fixed for a period of time. ARMs do involve a certain degree of risk as your interest rate will adjust annually for the duration of the loan.


These special loans are insured by the Federal Housing Authority and are a great option for buyers who would like to purchase a home but have been unable to put money away for the purchase. FHA loans are a great fit for recent college graduates or newlyweds with unique home buying needs. Both Fixed Rate Loans and ARMs are available through FHA.


If you’ve served or are currently serving our country in the Armed Forces then you’ve earned the benefits that are included with a VA Loan. The Veteran’s Administration offers a special program for Veterans or members of the Armed Forces and their spouses. You must submit a Certificate of Eligibility to ensure your loan approval. Finally, from the bottom of our hearts, thank you for all you’ve done to keep our country safe.


We’re proud to offer USDA Home Loans to customers who call our rural West Texas communities, home. USDA Loans are offered through the United States Department of Agriculture and provide low-cost homeownership opportunities to families in rural communities.

Jumbo Loan

We offer competitive Jumbo Loan rates for customers needing to borrow more than the conforming loan limits. We offer both Fixed Rate Loans and ARMs.


There are many good reasons to refinance your home mortgage. Refinancing can give you the opportunity to improve your financial health. If your financial situation has changed unexpectedly or you are simply interested in pay your home loan off faster, we are happy to help.

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Spirit Mortgage
6604 Frankford Ave, Lubbock, TX  79424
Office:  (806) 798-5800
Fax:  (806) 667-2070
Copyright © 2019 Spirit Mortgage a Division of First United Bank
NMLS#: 405716
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