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Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
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We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and Texas regulations
Texas allows payday and title lending with minimal state restrictions, though some cities have local ordinances limiting fees.
El Paso has one of the lowest costs of living among major US cities (86 index), giving residents real power to save and build credit. Avoid the border-town payday lenders and instead work with GECU, which offers credit builder products to members regardless of current score.
"El Paso's cost of living is 14% below the national average - residents here can build a $1,000 emergency fund faster than almost anywhere else in the country."
- SwipeSolutions, El Paso Market Analysis
Common questions from El Paso residents
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With a population of thousands of, El Paso is one of Texas's growing cities. Our lending network serves all El Paso zip codes including all local zip codes.
Look for El Paso mortgage brokers with strong reviews, multiple lender relationships, and experience with your type of loan. Our network connects you with vetted, licensed professionals who work with dozens of lenders to find you the best rates and terms.
In Texas, minimum credit requirements vary by loan type: FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA/USDA loans have their own guidelines. Our brokers can help you find programs that match your credit profile.
Most El Paso mortgage brokers earn their fee from the lender (typically 1-2% of the loan amount), so there's often no direct cost to you. Some brokers may charge a flat fee. Always ask about fees upfront - our partners are transparent about their compensation.
Mortgage brokers can save you time and money by shopping multiple lenders on your behalf. While banks only offer their own products, brokers have access to dozens of lenders and can often find better rates or terms. This is especially valuable if you have unique circumstances.
The typical mortgage process takes 30-45 days from application to closing. Getting pre-approved takes just a few days. El Paso homebuyers who have their documents ready and respond quickly to requests often close even faster.
Last Updated: Jan 2026