El Paso Hard Money and Investor Loans
Texas capital, our own decisions, funding the Fort Bliss market.
USA Mortgage is a direct business-purpose lender headquartered in Bee Cave, Texas, and we fund investors across El Paso County: El Paso, Socorro, Horizon City, Canutillo, San Elizario, Clint, Anthony, and Fabens. We lend our own capital, so the person you talk to is the person who decides. El Paso runs on Fort Bliss, so a federal housing allowance sets the rent ceiling for much of the tenant pool, and orders can end a lease early. Values here have held up while other Texas metros gave back price, but that is scarce supply and cheap entry rather than a migration story. The tax rate is the line to underwrite first, because it runs high inside the city and higher still on some far-east new-build lots. Business-purpose loans only, and every structure is set in underwriting.
Fort Bliss is the economy
The installation generates $29.1 billion in economic output and supports 121,220 total jobs, with 30,288 active-duty troops and 185,499 military retirees, the largest retiree population of any Texas installation in the Comptroller's dataset. The 2026 BAH of $1,665 to $2,202 a month with dependents sits close to the metro's $1,772 single-family rent as of June 2026, so the tenant's housing budget is federally published a year ahead.
Cheap houses, expensive tax rate
El Paso's mid-tier home value was $234,047 in June 2026, among the lowest of Texas's large metros, but the property tax stack runs about 2.64% of value in the city and can approach 3.3% in a far-east municipal utility district, versus roughly 2.0% in Killeen. Underwrite the tax line first here, before rehab budget or exit price.
One of the only Texas metros still rising
Home values and rents both rose in the year to June 2026 while Austin, Dallas, Houston, San Antonio, and Killeen all fell, and listings tightened rather than softened: active inventory down 15.4% and a rising median list price as of July 2026. Population is flat, so the story is scarce supply and cheap entry, not migration, and the Ciudad Juarez manufacturing shift toward data-center electronics is a documented tailwind with named tariff and trade-policy risks attached.
Loan programs in El Paso
Acquisition through exit, all funded or arranged by one lender.
El Paso lending questions
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