El Paso mortgage loans
Buying or refinancing in El Paso? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving El Paso County and all of Texas. A border market with strong VA demand from Fort Bliss. You get wholesale rates from 25+ lenders and plain talk the whole way.
Ways to fund El Paso.
Conventional
Low down payment options for primary homes in El Paso with competitive El Paso County pricing.
FHA
Flexible credit and 3.5% down. Strong fit for first time El Paso buyers.
VA
Zero down for eligible Texas veterans and active duty buyers in El Paso.
Jumbo
Higher balance financing for luxury and new construction El Paso homes.
Refinance
Lower your rate, pull cash out, or drop mortgage insurance in El Paso.
Investment / DSCR
Qualify on rental income, not tax returns, for El Paso investment property.
An El Paso loan officer, not a call center.
Local pricing knowledge
I know El Paso County values, appraisers, and what it takes to win a El Paso contract.
Direct access to me
You text or call me, not a 1-800 queue. Updates at every step.
25+ lenders shopped
Wholesale rates that often beat the bank down the street in El Paso.
Common questions.
How much do I need down to buy in El Paso?
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for El Paso depends on your credit, price point, and goals. A quick call sorts it out.
What credit score do I need?
FHA can go to 580 and sometimes lower. Conventional usually starts around 620. With 25+ lenders I can place El Paso scenarios other shops turn away.
How fast can I close in El Paso?
Many El Paso County purchases close in 18 to 25 days when documents come in quickly. Refinances vary. I set a realistic timeline up front.
Let's get you funded in El Paso.
Apply in minutes or grab 15 minutes on my calendar. No pressure, just answers.
Neal Pyles
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. This El Paso guide reflects current Texas lending guidelines and local market knowledge.
A quick introduction
Let's find your
way home.
Tell me a little about your plans. I’ll help you understand your loan options and next steps.
npyles@lonestarfinancing.comPrefer to talk? Book a 15 minute call.