PRESTIGE STONEWOOD ESTATES HOME (BUILT IN 2022) — 6.99% OWNER FINANCED!Price: $394,900 | $0 DOWN PAYMENT | LUBBOCK-COOPER ISDSkip strict traditional bank underwriting and step into a beautifully designed, modern 2,154 sq ft executive home in South Lubbock's premier community! Keep your cash reserves in your pocket and bypass traditional mortgage hassle.Perfect for local small business owners, self-employed contractors, medical professionals, or anyone looking for an upscale home without the banking hoops.  THE LOCATION: Stonewood Estates (South Lubbock - 79424)Located in the highly coveted, top-tier Lubbock-Cooper ISD school track.Fast, convenient access to premium South Lubbock dining, shopping, and entertainment.Quiet, family-centric, and highly desirable neighborhood.  HOME HIGHLIGHTS:Year Built: 2022 - Enjoy modern construction, updated wiring, and energy-efficient building standards.Pristine, spacious layout spanning 2,154 square feet.4 Spacious Bedrooms & 3 Full Bathrooms.Dedicated Private Office - perfect for remote work or running your business.Open-concept executive layout with a stunning fireplace and abundant natural light.Gourmet kitchen featuring premium granite countertops, custom backsplash, and stainless steel appliances.Luxury primary suite serving as a true retreat with a massive walk-in shower and huge closet.Attached 2-car garage.  THE PURE MATH:Down Payment: $0 Down Options Available!Interest Rate: 6.99% Locked (30-Year Fixed Note).Closing Costs: $9,500 flat cash due at closing (covers all title insurance, legal, escrow pre-paids, and RMLO setup).Estimated Total Monthly Payment: ~$3,273/month (Includes principal, interest, estimated property taxes, and home insurance).  MINIMUM REQUIREMENTS TO QUALIFY:Verifiable Income: Gross household income of $11,450+ 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: $9,500 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. At 6.99% interest, $0 down, and a 4-bed/3-bath/office layout in Cooper ISD, 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.