All Texas Tech Credit Union branches will be closed on Monday, October 12th in observance of Columbus Day.

Texas Tech Credit Union
A modern West Texas home

Non-Warrantable Condo Financing

Loans for non-warrantable condos.

Non-Warrantable condo financing made easy. Get flexible loan options and competitive rates for condos that don't meet traditional lending criteria.

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What is a non-warrantable condo loan?

A non-warrantable condo loan provides financing for condominiums that don't meet traditional lending criteria, such as high investor ownership or incomplete amenities.

Why choose a non-warrantable condo loan?

Explore non-warrantable condo loan benefits.

No Fannie/Freddie requirements

Discover non-warrantable condo loans—financing for properties outside Fannie/Freddie guidelines, with personalized service and expert support.

Finance up to 75% of the purchase price

Finance up to 75% of your purchase price, offering competitive rates and personalized service for a seamless borrowing experience.

Allowable for primary, secondary, or investment properties

Non-warrantable condo loans are available for primary, secondary, or investment properties, providing flexible options tailored to your housing or investment needs.

Loan amounts up to 3 million

Secure non-warrantable condo loans up to $3 million, allowing flexible financing for high-value properties.

Versatile options for your home financing

Discover your non-warrantable condo loan options.

Non-Warrantable Condo Purchase Loan

A Non-Warrantable Condo Purchase loan provides financing for buyers interested in unique condo properties that don't meet conventional lending standards. These loans offer tailored solutions to help you secure your dream condo.

Benefits

  • Flexible terms
  • Specialized financing
  • Competitive interest rates

Mortgage lending across West Texas.

A dedicated team in every market we serve.

panhandle

Amarillo

A dedicated team serving Amarillo and the surrounding Panhandle.

Learn More A Texas Tech Credit Union loan officer with a member
south plains

Lubbock

Where it all started. Fast approvals and local expertise for South Plains buyers.

Learn More Texas Tech Credit Union team members in the Lubbock branch
Permian basin

Midland

Dedicated mortgage support for Midland and Permian Basin homebuyers.

Learn More A Texas Tech Credit Union loan officer at her desk

Get to know your local mortgage team.

Our loan officers know this market and are ready to guide you from application to closing.

Meet the Team

The mortgage process

Your mortgage, step by step.

We keep the process simple so you can focus on finding the right home.

step 1

Start your application.

Apply online in minutes or connect with a local loan officer. Either way, we make it simple from the very first step.

step 2

Get pre-qualified.

We review your finances and give you a pre-qualification letter so you know exactly what you can spend and sellers take your offer seriously.*

step 3

Find your home and lock in your rate.

Shop with confidence knowing your financing is handled. When you find the right home, we lock your rate and get the paperwork started.

step 4

Close and get your keys.

We walk you through the final steps, handle the details, and get you to closing day. Then the keys are yours.

Manage your mortgage from anywhere.

Stay on top of every step with the Texas Tech Credit Union mortgage app. Upload documents, check your status, and connect with your team on the go.

Download on the App Store Get it on Google Play

Ready to take the next step?

Are you dreaming of a condo that doesn't meet Fannie Mae or Freddie Mac guidelines? A dedicated loan officer is ready to walk you through your options and get you to closing day.

Apply Now
*

Pre-qualification is subject to credit history and financial statement review.