callen@houseloan.com
806-776-2041
Christian Allen
Buying a home or exploring a refinance? Connect with Christian to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Christian
Christian Allen is passionate about helping clients every step of the way through the mortgage process. Christian has been in the banking industry for 21 years and he has spent the last 5 years in mortgage. During his time in the industry, he has learned the importance of understanding his customers’ needs and wants. He currently serves as a Senior Loan Originator for Cornerstone Capital Bank.
Christian is committed to taking time to listen to his clients. He believes mortgage lending isn’t just about handing out loans, it is helping people make their dream of owning a home a reality. Whether it’s improving their financial situation or finding the perfect place to call home, he is there every step of the way. He believes everyone has their own story and he enjoys taking time to listen to them, finding the right loan for them, and being there to help them through it all.
Born and raised in Lubbock, Christian enjoys giving back to the community and is currently a member of the West Texas Home Builders Association, Lubbock Association of Realtors and the West Texas Mortgage Bankers Association. Christian and his wife, Alessandra, have three children, Camila, Catalina, and Antonio. In their free time they enjoy traveling and attending sporting events, especially baseball games.
What clients say about Christian
If you're looking for a loan officer who is reliable, trustworthy, knowledgeable, responsive, and genuinely cares about his clients, Christian is the person you want on your side. I can't say enough good things about Christian and the experience we had working with him. As first-time homebuyers, we had plenty of questions and weren't always sure what to expect, but Christian made the entire process feel manageable from start to finish. He was patient, transparent, and always took the time to explain things in a way that made sense. What impressed us most was his communication and dedication. He kept us informed throughout every stage of the process, responded quickly whenever we had questions, and made sure we understood what was happening and what came next. No matter how busy things got, we never felt like we were left wondering where we stood. Christian consistently went above and beyond to help us get to the closing table. Whether it was helping us work through underwriting requests, navigating paperwork, or answering last-minute questions, he handled everything professionally and with a sense of urgency. His knowledge, attention to detail, and commitment to his clients gave us confidence throughout a process that can often feel overwhelming. What truly sets Christian apart is that he treats people like more than just another loan file. It was clear from the beginning that he genuinely cared about helping us achieve our goal of becoming homeowners. That level of service and dedication is hard to find. We're incredibly grateful for everything Christian did for us, and we would gladly recommend him to anyone looking for a lender they can trust. Thank you, Christian, for helping make our homeownership journey such a positive experience.
Let’s connect
Contact Christian
Share a little about your plans and how to reach you.
Office locations
Lubbock, TX 79424
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Christian today.
