Best Mortgage Rates in Lubbock: How 806 Mortgage Shops Multiple Lenders for You
If you're buying a home in Lubbock, one of the biggest factors affecting your monthly payment—and your long-term financial health—is your mortgage interest rate. Even a small difference in rate can impact your budget for years. But how do you know you’re actually getting the best mortgage rate available in Lubbock?
That’s where 806 Mortgage, a trusted Lubbock-based mortgage brokerage, makes the entire process easier, faster, and more affordable by shopping multiple lenders on your behalf.
Why Mortgage Rates Matter—Especially in Lubbock
Lubbock continues to attract families, students, and professionals thanks to its affordable housing market and strong West Texas economy. But as home prices rise, getting the lowest mortgage rate becomes more important than ever.
A lower rate means:
Lower monthly payments
More home-buying power
Thousands saved over the life of the loan
Less interest paid overall
For example, a difference of just 0.25% can save you more than $15,000 over a 30-year mortgage.
That’s why smart homebuyers don’t settle for the first rate they hear—they compare options.
Banks Only Offer One Set of Rates—Theirs
Most buyers make the same mistake: they walk into their local bank and assume the rate they’re quoted is the market rate. But every bank:
Uses different pricing
Has different lender fees
Offers different programs
Adjusts rates differently day-to-day
Banks can only show you their products, even if better rates exist elsewhere.
This is where many buyers miss out.
How 806 Mortgage Gets You Better Rates
Instead of you calling around, comparing lenders, and dealing with multiple rates, fees, and loan officers, 806 Mortgage shops the entire market for you.
They compare rates across:
Local Lubbock and West Texas banks
National mortgage lenders
Credit unions
Specialized wholesale lenders
First-time buyer programs
FHA, VA, USDA, and Conventional loan providers
One application gives you access to multiple competing offers—saving you hours of research and helping ensure you’re getting the lowest possible rate.
Wholesale Rates = Better Pricing for You
Because 806 Mortgage is a mortgage broker, not a bank, they can access wholesale mortgage rates, which are often:
Lower than retail bank rates
More flexible in terms of guidelines
Tailored based on your financial goals
Wholesale lenders compete for your business—meaning lower costs and better terms for you.
Side-by-Side Comparisons Make It Easy
Instead of guessing which lender is best, 806 Mortgage provides:
A transparent comparison of rates
Estimated monthly payments
Closing cost breakdowns
Loan term options
Program eligibility (FHA, VA, USDA, DPA, etc.)
This lets you choose confidently, knowing you’re getting the best overall mortgage package—not just the lowest rate, but the best combination of rate + fees + benefits.
Lower Rates, Less Stress
Working with 806 Mortgage means:
✔ Lower Interest Rates
Their lender network gives you access to pricing you can’t get by walking into a bank.
✔ Faster Approvals
They work directly with underwriting teams to speed up the process.
✔ Simple, Local Guidance
You’ll work with real people based in Lubbock who understand the local market and care about your success.
✔ One Application = Multiple Quotes
Save time and avoid multiple credit pulls.
✔ More Loan Options
From Conventional to FHA, VA, USDA, and first-time buyer programs, they find the perfect fit.
Why Lubbock Buyers Choose 806 Mortgage
Homebuyers consistently choose 806 Mortgage because they:
Put the client’s interests first
Offer personalized one-on-one service
Shop aggressively for the best deals
Keep communication clear and simple
Make the entire home loan process smooth and stress-free
In a competitive housing market like Lubbock, having a mortgage broker on your side gives you a major advantage.
Ready to Lock in the Best Mortgage Rate in Lubbock?
Whether you’re buying your first home, moving up, refinancing, or exploring investment properties, 806 Mortgage makes it easy to get the lowest mortgage rate available—without the hassle of shopping around yourself.
You deserve options. You deserve transparency.
And you deserve the best rate.
806 Mortgage delivers all three.
