Home financing in Andrews County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Andrews County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Andrews County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 1
- DOORS HERE
- 0
- BASED HERE
- 108
- TX COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 19Kresidents of Andrews County
- Elsewhere in TX
- Harris County →51 doors — the biggest list of any other county in Texas
- State
- Texas →108 of 254 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Andrews County line. You can walk in.
- First Basin Credit UnionPersonal · Home · Business capital
- AltCapSBA microlenderCommunity lending · Business capital
- Just Community, IncCommunity lending · Business capital
- LiftFund, Inc.SBA microlenderCommunity lending · Business capital
- PeopleFundSBA microlenderCommunity lending · Business capital
- Alliance for Multicultural Community ServicesBusiness capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Andrews County, Texas is a tight-knit, oil-patch community in the Permian Basin where many residents — including solo contractors and Spanish-speaking families — are ready to buy a home but unsure where to start. This guide walks you through what home financing is, who can qualify locally, which documents you'll need, and which lenders and programs actually serve this county. We highlight local credit unions, ITIN-friendly lenders, Texas state programs, and community resources so you can move forward with confidence and avoid predatory traps.
What Is Home Financing?
Home financing — most commonly a mortgage — is a loan you use to buy a house. You borrow money from a lender, buy the home, and then repay the loan in monthly installments over a set number of years (usually 15 or 30). The home itself serves as collateral, meaning the lender can reclaim it if payments are not made. There are several types of home loans available to Andrews County residents:
- 01**Conventional loans**
Offered by banks and credit unions, not backed by the government. Usually require a credit score of 620 or higher and a down payment of 3–20%.
- 02**FHA loans**
Backed by the Federal Housing Administration. Require as little as 3.5% down and accept lower credit scores (580+). Popular with first-time buyers.
- 03**VA loans**
For eligible veterans and active-duty military. No down payment required. Andrews County has a meaningful veteran population, so this is worth exploring.
- 04**USDA Rural Development loans**
Parts of Andrews County and surrounding areas may qualify for zero-down USDA loans. Check eligibility by address at the USDA website.
- 05**ITIN loans**
For buyers without a Social Security Number. These use an Individual Taxpayer Identification Number (ITIN) instead. Several Texas lenders and credit unions offer these, and we cover them below.
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Forget what the banks say.
Andrews County sits in the heart of the Permian Basin. The local economy runs heavily on oil and gas, agriculture, and the trades. Many residents are self-employed contractors, oilfield workers paid by the job, or small-business owners — income types that can look unusual on paper but are absolutely financeable with the right lender.
You may qualify if you:
- Have steady income from employment, self-employment, or a trade — even if it varies by season or project.
- Have lived or worked in the area for at least one to two years (some lenders require this).
- Have a credit score of 580 or higher (FHA minimum) — though higher scores open more doors.
- Can document your income through tax returns, bank statements, or profit-and-loss statements.
- Are a U.S. citizen, permanent resident, or hold an ITIN (see Section 4 for ITIN-specific lenders).
Self-employed and gig workers: Many Andrews County contractors work oilfield jobs or agricultural trades without traditional pay stubs. Bank-statement loans and stated-income programs exist for exactly this situation. A local CDFI or community lender is often more flexible than a large national bank.
Undocumented income or mixed immigration status: ITIN mortgage programs do not require a Social Security Number or lawful permanent residency. Several Texas-based lenders and credit unions offer them. You will need to show 12–24 months of consistent income history.
Low down payment: Down payment assistance is available through state programs (see Section 5). You do not need to have 20% saved.
Get your papers in order.
Every lender is a little different, but here is what most will ask for when you apply for a home loan in Texas:
Identity & Residency
- Government-issued photo ID (driver's license, passport, or consular ID/matrícula consular)
- Social Security Number OR ITIN card/letter
- Proof of residency (utility bills, lease, or mail)
Income Verification
- Last two years of federal tax returns (Form 1040, including Schedule C if self-employed)
- Last two to three months of pay stubs (if traditionally employed)
- Last 12–24 months of bank statements (especially for self-employed or contract workers)
- Profit-and-loss statement from your accountant (if self-employed)
- 1099 forms if you work as an independent contractor
Assets & Debts
- Last two to three months of bank/savings account statements
- Records of any other assets (vehicles, equipment, land)
- A list of current monthly debts (car loans, credit cards, child support, etc.)
Property
- Signed purchase contract for the home you want to buy
- Property address for appraisal
Tip: Keep digital copies of all these documents in a folder on your phone or computer. Some lenders in the Permian Basin area allow you to submit everything electronically. If you are missing any document, ask the lender what alternatives are accepted — there is often more than one way to verify the same information.
The doors worth knowing.
Andrews County is a small, rural community.
ALL 1 DOORS, BY NAME AND BY TOWN- 1
- DOORS HERE
- 182
- ACROSS TX
Based in Odessa, Texas. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
Andrews County is a small, underserved market, which can make residents targets for predatory lenders. Here is what to watch for:
Rent-to-own or contract-for-deed arrangements
These are very common in rural Texas and in Spanish-speaking communities. In a contract-for-deed (also called a *contrato de venta*), you pay like a mortgage but do not receive the deed until the full balance is paid. If you miss one payment, you can lose the home and all money paid — with few legal protections. Texas has improved its laws around this (see the Executory Contracts statute), but these deals still carry serious risk. Always consult an attorney before signing.
Very high-interest personal loans marketed as mortgages
If a lender offers you a "home loan" at 18–30% interest, that is not a mortgage — it is a personal or predatory loan. A legitimate mortgage in today's market runs in the 6–8% range (subject to change). Walk away from any offer significantly above market rate.
Pressure to decide quickly
No legitimate lender will rush you. If someone says "this rate expires today" or "you need to sign now," that is a red flag. Take 24–48 hours minimum to review any loan documents.
Upfront fees before a loan is approved
Reputable lenders charge fees at closing, not before. Be cautious of anyone who asks for a large payment before you have a signed loan commitment.
Title fraud and deed fraud
In rural counties, deed fraud and title irregularities can occur. Always use a licensed Texas title company and purchase title insurance. The title company is your protection.
Unlicensed loan originators
In Texas, all mortgage loan originators must be licensed through the Nationwide Multistate Licensing System (NMLS). You can verify any loan officer's license at nmlsconsumeraccess.org. If they are not listed, do not work with them.
Translation pressure
If you are more comfortable in Spanish and a lender discourages you from having documents translated or reviewed, find a different lender. You have the right to understand every document you sign. HUD-approved counselors often provide bilingual services at no cost.
The rules where you are.
Texas has strong state-level programs and consumer protections worth knowing about before you borrow:
Texas State Affordable Housing Corporation (TSAHC)
Offers the Homes for Texas Heroes program for teachers, law enforcement, firefighters, EMS workers, and veterans — providing down payment assistance of 3–5% of the loan amount.
The Home Sweet Texas program serves all low-to-moderate income buyers (not just heroes). Down payment assistance is structured as either a grant or a forgivable second lien.
Both programs work through approved lenders, so you apply through a participating mortgage company, not TSAHC directly.
Texas Department of Housing and Community Affairs (TDHCA)
Offers the My First Texas Home program — a 30-year, fixed-rate mortgage with a below-market interest rate, plus down payment and closing cost assistance of up to 5%.
Also offers the Texas Mortgage Credit Certificate (MCC) — a federal tax credit worth up to $2,000/year for the life of the loan. This is one of the most underused benefits in West Texas.
TDHCA also funds the HOME Investment Partnerships Program, which local governments and nonprofits can use to help low-income residents purchase homes.
Texas-Specific Mortgage Rules
Texas has its own homestead laws that limit the types of mortgages that can be placed on a primary residence. This is mostly protective — for example, cash-out refinances are capped at 80% of the home's value.
Texas does not have a state income tax, which means your monthly budget for housing may stretch slightly further than in other states.
The Texas Office of Consumer Credit Commissioner (OCCC) regulates mortgage lenders and brokers at the state level. If you believe a lender has acted unfairly, you can file a complaint at occc.texas.gov.
USDA Rural Development – Texas
Andrews County may have addresses eligible for USDA Section 502 Direct or Guaranteed loans — these offer zero down payment for qualifying rural properties. Use the USDA eligibility map at eligibility.sc.egov.usda.gov to check a specific address.
The short version.
- 01
Buying a home in Andrews County is absolutely possible — whether you are an oilfield contractor, a farmworker, a veteran, a first-time buyer, or someone without a Social Security Number. Here is the short version of what this guide covers:
- 02
1. Know your loan type. FHA, VA, USDA, conventional, and ITIN loans all work differently. Pick the one that fits your situation. A HUD-approved housing counselor can help you decide — for free.
- 03
2. Start local. First National Bank of Andrews and Security State Bank know this community. Credit unions like Permian Basin Area Federal Credit Union and West Texas Credit Union may offer more flexibility on rates and income documentation.
- 04
3. If you use an ITIN, you have options. Generations Federal Credit Union and Self-Help Credit Union lend to ITIN borrowers across Texas. Prestamo CDFI also offers bilingual support and homebuyer counseling.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN ANDREWS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN ANDREWS COUNTY →108TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.182 institutions fund homes and repairs inside Texas county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.