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Loving County, Texas (FedHome Loan Centers)

The 2019 $0 down, federal home loan limit for Loving County is $314,827.

Loving County is a small chunk of land located in western Texas. It is part of the Texas and New Mexico. The county is the least populated county in Texas, and the second least populous county in the United States (behind only Kalawao County in Hawaii). There are less than 150 people in the county. No incorporated communities exist, though a county seat is still designated with Mentone.

Loving County has a complicated history. It was first established in 1887, however, shortly disorganized not too long thereafter. It wasn’t until 1931 when Loving County was created in West Texas. Prior to white settlement, modern day Loving County was inhabited by Native Americans. Antonio de Espejo led the first expedition to the area in 1583. Later, John Pope surveyed the area and started a camp in the mid-19th century. 

The territory is named after Oliver Loving, a cattle rancher who was known for creating the method of the cattle drive. Loving used the cattle drive approach to create the Goodnight-Loving Trail. Loving was important in helping create the county which was originally part of Bexar County and Tom Green County. It is the only territory in Texas to get incorporated twice, once in 1893, and then in 1931. 

Though Loving County has never really developed it did receive a minor boost in the 1920s after the discovery of oil. The biggest reported population was in the 1930s when residency reached 600 people. Since then the population has been in decline, until recently. The county is also noteworthy has having the first elected female sheriff in the state. Edna Reed Clyaton Dewees was appointed in 1945. Dewees, like a lot of legendary Texas sheriffs, reportedly never carried a firearm.

Loving County is separated by the Pecos River along the western boundary. Pecos River flows into Red Bluff Reservoir, a popular weekend getaway for locals. The Permian Basin county is characterized by flat desert with few hills. Cactus and desert shrubs are the primary form of vegetation. It is part of the higher elevations in Texas with a range from 2,686 to 3,310 feet above sea level.  

The incredibly remote piece of land in West Texas only has two primary passages. State Highway 302 ventures primarily west and east through the lower half of Loving County, and across Mentone. On the other hand, Ranch to Market Road 652 serves northern the county along with Ranch to Market Road 300. Loving County is due west of Odessa, Texas (approximately 84 miles away). El Paso, Texas is about 185 miles from the county. New Mexico communities like Carlsbad (60 miles) and Roswell (135 miles) exist to the north.

The local economy of Loving County is almost entirely based upon oil and gas drilling. Ranching is the second most common type of industry in the county. There are a few county services offered throughout the area. The county has the Wink-Loving Independent School District manage public education. There is no ISD exclusive to the county after it was consolidated with Wink’s ISD in 1972.


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Mentone 

79754 

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Loving County Loan Limits  

FHA: $314,827 

USDA: $251,862 

VA: $484,350 


FHA Loan Limits

One-Unit: $314,827 

Two-Units: $403,125 

Three-Units: $487,250 

Four-Units: $605,525 


USDA Loan Limit 

Very Low Income: $32,200 

Low Income: $51,500 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in Loving County are: 76831, 76885, 78607, 78609, 78639, 78643, 78657, and 78672 

Contact FedHome Loan Centers at 877-432-5626 for more information and to confirm eligibility.