
This guide is written for solo contractors, small investors, and everyday residents of Midland County, Texas who want to understand their personal financing options — whether they have a Social Security Number, an ITIN, or are just getting started building credit. We focus on the local lenders, credit unions, and community organizations that actually serve Midland and the Permian Basin region, not just federal program names. Take your time, compare your options, and never feel pressured to sign anything quickly.
Ask Iris. She'll explain it the way it should have been explained the first time.