Lubbock Mortgage Lending

Lubbock Mortgage Lending

Tell Us About Your Ideal Home in Lubbock

Cody Cypert

Cody Cypert
Spirit Mortgage Loan Officer
CCypert@SpiritMortgage.net
(806) 784-3714
NMLS: 933805

Staci Ortiz

Staci Ortiz
Spirit Mortgage Loan Officer
SOrtiz@SpiritMortgage.net
(806) 784-3708
NMLS: 479447

Owning a home has been called the American Dream. As far as we’re concerned, if it’s your dream, it’s ours too. And we’re pretty good at helping customers fulfill their dreams. It takes some know-how and that neighborly, roll-up-your-sleeves West Texas Spirit. That ought to make you feel right at home.

We know buying a home can be a little complicated but our team of experts is here to help you find the best option for your financial situation. This means we know all the ins and outs of all the loan types and we can help you purchase your ideal home.

Here’s what you can expect from us:

  • Transparent, Open Lines of Communication
  • Local Underwriting
  • Competitive Rates

We also know that there are a variety of loan programs available for the purchase of your home and we are here to help you make sense of them. We’ve detailed them out below, but any one of our Mortgage Loan Officers is happy to discuss them and help you choose the best option for you.

  • Fixed and Adjustable Rate Loans

    A fixed rate provides home buyers with peace-of-mind as it offers predictability in rates and payments for the life of the loan. An Adjustable Rate Mortgage typically involves a certain degree of risk, as your interest rate will adjust annually for the duration of the loan.

  • Low Down Payment Options

    These special loans are insured by the Federal Housing Authority and are a great option for buyers who would like to purchase a home, but have been unable to put money away for the purchase. FHA loans are a great fit for recent college graduates or newlyweds with unique home buying needs.

  • VA

    If you’ve served or are currently serving our country in the Armed Forces then you’ve earned the benefits that are included with a VA Loan. The Veteran’s Administration offers a special program for Veterans, or members of the Armed Forces and their spouses. You must submit a Certificate of Eligibility to ensure your loan approval. Finally, from the bottom of our hearts, thank you for all you’ve done to keep our country safe.

  • USDA

    We’re proud to offer USDA Home Loans to customers who call our rural West Texas communities home. USDA Loans are offered through the United States Department of Agriculture and provide low-cost homeownership opportunities to families in rural communities.

Whether you are purchasing, building or refinancing our Mortgage team is here to help you make the right decision to meet your financial goals. We’ll go through each option with you to determine which product is the right fit. And because we believe in doing the right thing, the best option for you might not be the most profitable for us.


  • Contact A Lubbock Mortgage Expert