All Texas Mortgage Rates & Cities
El Paso Mortgage Broker
El Paso, Texas Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local TX expertise, El Paso County (TX) knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
TX licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
El Paso Mortgage Quick Facts
El Paso County (TX) uses the standard baseline conforming amount. Here's the snapshot of the El Paso, TX mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$235K
Median Home Price
(El Paso Metro)
(El Paso Metro)
680K
Population
(El Paso)
(El Paso)
9 states
Where OnPoint is Licensed
(incl. Texas)
(incl. Texas)
Calculate Your El Paso Mortgage Payment
Defaults reflect a typical El Paso scenario. Switch loan type, adjust the price, or open the advanced section for taxes and insurance.
Calculator is an estimate. Your actual rate is priced individually — pricing varies by FICO, LTV, DTI, and program. See full Texas rate comparison →
Why Use a Mortgage Broker in El Paso
El Paso is on the TX-Mexico border and one of America's most active ITIN and bilingual mortgage markets. Strong VA market (Fort Bliss), Spanish-speaking borrowers, and Bank Statement Non-QM lending for cross-border self-employed buyers.
Local TX Knowledge
El Paso County (TX) conforming limits, Texas-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the El Paso market without delay.
Loan Programs Available in El Paso
Every loan type used in the El Paso, TX market — we match your file to the lender and program with the best pricing for your scenario.
VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →Foreign Nat'l
Mortgages for non-US citizens with ITIN or foreign income.
Learn more →Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →
Free · 24-Hour Turnaround
Get Your El Paso Mortgage Quote
A licensed Texas loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A Texas loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The El Paso Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your El Paso scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the El Paso market.
3
Close in 21-30 Days
Standard close timing for most El Paso purchase loans. Refi typically 21-35 days.
El Paso Mortgage FAQ
What's the 2026 conforming loan limit in
El Paso is in El Paso County (TX), which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed across all of Texas — NMLS #2134550. We close loans in El Paso and every other major metro in the state. Our state-wide Texas mortgage page covers conforming limits county by county, state-specific DPA programs, and the cities we close in most often.
How fast can I close a mortgage in
Purchase loans in El Paso typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with El Paso-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across Texas for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a El Paso mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your El Paso scenario.
Continue Browsing Texas Mortgages
El Paso is one of many Texas markets we close in. Compare rates state-wide or jump to a nearby city.
Get Your El Paso Mortgage Quote in 24 Hours
Free analysis from a licensed Texas mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-5pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: El Paso mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. El Paso is in El Paso County (TX), Texas, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.