NEWLY BUILT 2022 SHALLOWATER HOME — 6.99% OWNER FINANCED!Price: $289,990 | $0 DOWN PAYMENT | NO BANK NEEDED Why pay 9% or 10% for creative financing? Skip strict traditional bank underwriting and secure a beautiful, newly built 2022 1,670 sq ft construction home on 14th Street in the highly coveted Shallowater ISD! Perfect for local business owners, self-employed contractors, medical staff, or anyone looking to buy without bank hassle. THE LOCATION: Shallowater, TX (14th Street)Highly rated Shallowater School District magnet. Quiet, safe, family-centric community. Just a 12-minute straight shot down Clovis Road into Lubbock! HOME HIGHLIGHTS: Pristine, newly construction 2022 (1,670 sq ft).Spacious 3 Bedroom / 2 Bathroom open-concept layout. Gourmet kitchen with modern finishes. Private, isolated master suite with double closets. Attached 2-car garage. THE PURE MATH: Down Payment: $0 Down Options Available! Interest Rate: 6.99% Locked (30-Year Fixed Note). Closing Costs: $7,500 flat cash due at closing (covers title, escrow, legal, and RMLO setup). Estimated Total Monthly Payment: ~$2,377/month (Includes principal, interest, estimated property taxes, and home insurance). MINIMUM REQUIREMENTS TO QUALIFY: Verifiable Income: Gross household income of $8,325+ per month (W2, 1099, or 12 months of business bank statements). Rental 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 look at your true income and stability, not just a credit score! HOW TO APPLY / TOUR: Message us directly right now to get our simple 1-page pre-screen form or to schedule a private walkthrough this week. At 6.99% interest and $0 down, this 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.