El Paso homes - montage


Homes for sale in El Paso TX

El Paso home loans


El Paso houses for sale

Credit  score required to buy a house in El Paso

El Paso mortgage lenders need to pull your credit report to determine best fit loan for you. A minimum credit score of 580 could work to obtain a loan, however, If your score between 520-580, you maybe required to put down at least 10%.

Self-employed & Owner Financing programs also available. 

Most El Paso lender will ask you to provide the following documents, such required information can be provided directly online to save time. Also, our lenders will work with you to identify any items on your credit report that can help in getting a loan approval fast. Casa By Owner always recommend to have your pre-qualification letter ready before searching for homes in El Paso. We encourage you to speak with multiple lenders or get recommendations from your friends and family. You can also call us to get more information on mortgage programs available to you including Owner Financing in El Paso. 

  • Previous tax return
  • Proof of income
  • Self-employed borrower: Bank statements
  • Owner Financing: proof of down payment
  • A photo ID (driver’s license or passport)
  • Social security number
  • Length of employment validation
  • Pay stubs or a copy on of checks