Find Mortgage Lenders in El Paso, TX
Browse mortgage lenders serving El Paso, Texas. Contact information and addresses listed below.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Texas before hiring.
Showing 20 mortgage lenders in El Paso, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a Mortgage Lender in El Paso Cost?
Typical costs for a mortgage lender in Texas include an origination fee of 0.5 to 1.0 percent of the loan amount, plus third-party fees for appraisal and title search. In El Paso, closing costs often range from 2 to 5 percent of the purchase price. Texas law also requires a survey and a home inspection for most purchases. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in El Paso?
You typically need pay stubs, tax returns, bank statements, and a valid ID. Texas lenders also require proof of homeowners insurance before closing. Self-employed borrowers may need additional profit and loss statements.
How long does the mortgage process take in Texas?
The average mortgage process in Texas takes 30 to 45 days. Texas law requires a 12-day right of rescission for home equity loans, which can extend the timeline. Your lender will provide a Loan Estimate within three business days of your application.
Are there special mortgage programs for Texas veterans?
Yes, Texas offers the Veterans Land Board (VLB) home loan program for eligible veterans and military members. This program provides competitive rates and may require no down payment. Local lenders in El Paso also process standard VA loans for qualified borrowers.