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WEST LUBBOCK HILL VALLEY HOME "” OWNER FINANCED!Price: $239990 | $0 DOWN PAYMENT | FRENSHIP ISDSkip strict traditional bank underwriting and step into a beautifully maintained 1,530 sq ft executive home in West Lubbock's high-demand Hill Valley community! Keep your cash reserves in your pocket and bypass traditional mortgage hassle.Perfect for local small business owners, self-employed contractors, independent operators, or anyone looking for a great home without the banking hoops. Offered directly by BBA"”no more renting! THE LOCATION: Hill Valley (West Lubbock - 79416)Located in the highly coveted, top-tier Frenship ISD school track.Fast, convenient access to West Lubbock dining, shopping, and entertainment.Quiet, family-centric, and highly desirable neighborhood footprint. HOME HIGHLIGHTS:Built in 2022 - Enjoy modern construction, updated wiring, and energy-efficient building standards.Pristine, spacious layout spanning 1,520 square feet.3 Spacious Bedrooms & 2 Full Bathrooms.Attached 2-Car Garage.Open-concept living layout with abundant natural light"”perfect for families.Gourmet kitchen featuring premium counter space and custom cabinet storage.Beautiful primary suite serving as a true retreat with great closet space. THE PURE MATH:Down Payment: $0 Down Options Available!Interest Rate: 6.99% to 8.5% (Based on final file underwriting).Closing Costs: $7,500 flat cash due at closing (covers all title insurance, legal, escrow pre-paids, and RMLO setup).Estimated Total Monthly Payment: ~$1,895 to $2,125/month (Includes principal, interest, estimated property taxes, and home insurance"”perfectly matching local market rents!). MINIMUM REQUIREMENTS TO QUALIFY:Verifiable Income: Gross household income of $6,100+ per month (W2, 1099, or 12 months of business bank statements).Rental/Housing History: Clean history with no recent evictions or landlord judgments.Liquid Cash: $7,500 cash available for closing day.Compliance: All screening and processing are handled safely and legally through our Licensed Texas RMLO. We qualify based on your true income and financial stability, not just a credit score! HOW TO APPLY / TOUR:Message us directly right now to receive our simple 1-page pre-screen form or to schedule a private walkthrough this week. With $0 down options available and a modern 3-bed/2-bath footprint in Frenship ISD, this BBA home will lock down fast!Disclaimer: Rates and terms are subject to final buyer qualification and underwriting approval through a Texas Licensed Residential Mortgage Loan Originator (RMLO) in compliance with the Texas Secure Act and Dodd-Frank regulations. Estimated monthly payments may vary slightly based on final insurance quotes and tax assessments.
| DAYS ON MARKET | 2 | LAST UPDATED | 7/16/2026 |
|---|---|---|---|
| YEAR BUILT | 2022 | COMMUNITY | 8 |
| GARAGE SPACES | 2.0 | COUNTY | Lubbock |
| STATUS | Active | PROPERTY TYPE(S) | Single Family |
| Elementary School | Willow Bend |
|---|---|
| Jr. High School | Frenship |
| High School | Frenship |
| ADDITIONAL DETAILS | |
| AIR | Ceiling Fan(s), Central Air, Electric |
|---|---|
| AIR CONDITIONING | Yes |
| AREA | 8 |
| CONSTRUCTION | Brick |
| EXTERIOR | None |
| GARAGE | Attached Garage, Yes |
| HEAT | Central, Electric |
| HOA DUES | 360 |
| INTERIOR | Ceiling Fan(s), Walk-In Closet(s) |
| LOT | 5227 sq ft |
| LOT DESCRIPTION | Landscaped, Sprinklers In Front, Sprinklers In Rear |
| LOT DIMENSIONS | 0.12 |
| PARKING | Attached, Garage, Garage Door Opener |
| TAXES | 3718 |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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