Fannie Mae

Fannie Mae is a private, shareholder-owned company created by Congress to support the secondary mortgage market. It provides financial products and services that make it possible for low-, moderate- and middle-income families to buy homes of their own. Fannie Mae works with mortgage lenders, real estate sales professionals, and others to help make the dream of owning a home come true for families in communities all across America.

Mortgage Bankers Association of America (MBA)

Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. MBA serves its membership by representing their legislative and regulatory interests before the United States Congress and federal agencies; by meeting their educational needs through programs and a range of periodicals and publications; and by supporting their business interests with a variety of research initiatives.

Freddie Mac

Freddie Mac is a stockholder-owned corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors.

Texas Mortgage Bankers Association

The Texas Mortgage Bankers Association (TMBA) is committed to being a quality-focused association of real estate finance professionals that provides the resources necessary for building a viable, competitive mortgage lending and servicing industry in Texas.

West Texas Home Builder Association

The West Texas Home Builder Association is a membership organization serving the legislative, educational, and organizational needs of the Building Industry. The association is dedicated creating a positive business environment for the housing industry by addressing the housing issues of the people of Texas.

Federal Housing Administration (FHA)

The Federal Housing Administration (FHA), a wholly owned government corporation, was established under the National Housing Act of 1934 to improve housing standards and conditions; to provide an adequate home financing system through insurance of mortgages; and to stabilize the mortgage market.

Lubbock Association of Realtors

The purpose of the Lubbock Association of REALTORS® is to unite those engaged in the real estate industry to provide the service and technology necessary to assist its members to be professional and successful, to promote education, to encourage community involvement, and to promote and protect private property ownership.

Department of Veterans Affairs (VA)

The Department of Veterans Affairs (VA) guaranties mortgage loans for veterans and service persons. The guaranty allows veterans to obtain home loans with favorable loan terms, usually without a down payment.


The USDA offers loans for homeowners in rural areas. These loans allow you to purchase, renovate, repair, even relocate your home. Unlike conventional loans, there’s no down payment and the loan can even cover closing costs, even if the seller doesn’t. This loan type is an alternative for home buyers of all income ranges by eliminating a large down payment.

National Federation of Independent Businesses

The National Federation of Independent Businesses (NFIB) was founded in 1943. With a proven and strong research background, NFIB research and polls are considered valuable barometers of the US economy. The NFIB is the leading small-business advocacy association representing 350,000 small and independent business owners across the United States.