Your Mortgage Lender in
Waco, Texas
Halfway between DFW and Austin — Baylor, steady jobs, and homes that still make sense.
Woodway, China Spring, Hewitt, and the Baylor district
Buying or Refinancing in Waco
Waco’s market runs on fundamentals: prices well below the big metros, Baylor’s steady pull, and buyers who want value. First-time purchases, family moves to Woodway and China Spring, and Baylor-area investor files all fit here.
We lend across McLennan County with the same clear-numbers process we use everywhere in Texas.
Every Program, Available Here
FHA Loans
Flexible qualifying for a wide range of buyers.
Conventional
The standard path for straightforward, well-qualified files.
VA Loans
Built for active duty, veterans, and eligible spouses.
First-Time Buyer Programs
Support built for a first purchase.
Refinancing
Rate-and-term or cash-out, on your timeline.
Jumbo Loans
Financing above the conforming limit, structured right.
This page is general educational information and is not a commitment to lend or an offer of credit. All loans subject to credit approval, underwriting, and property qualification. Equal Housing Opportunity.
Free Tools for Waco Buyers
Payment Calculator
Estimate a full monthly payment — principal, interest, taxes, and insurance.
Rent vs. Buy
See when buying in Waco beats renting, year by year.
Down Payment Calculator
See how different down payments change the whole picture.
Homebuyer’s Guide
The whole process, contract to keys, in plain English.
All Calculators
Affordability, refinance, DTI, amortization, and more — 13 free tools.
Mortgage Blog
Current guides on loan limits, programs, and buying in Texas.
Built for How Waco Actually Moves
Value-Market Pricing
Waco price points qualify on real-world incomes — FHA and conventional both work well.
Baylor-Area Investors
DSCR loans qualify rentals on the property’s income.
Statewide, Personal
A Texas-based team, not a national call center.
Common Questions
Do you finance investment properties near Baylor?
Yes — DSCR loans qualify on the property’s rental income rather than your personal income, which fits the Baylor rental market well.
Which areas around Waco do you serve?
Waco and the surrounding communities — including Woodway, China Spring, Hewitt, and the Baylor district — plus every other market in Texas.
How long does closing on a home in Waco take?
Closing timelines depend on your loan type and how quickly documentation comes together. A typical purchase runs about three to four weeks from executed contract to closing — ask us for a timeline specific to your file.
What loan programs are available for Waco buyers?
The full lineup — FHA, conventional, VA, jumbo, first-time buyer programs, refinancing, and DSCR/investor loans. See all programs or talk to us about which fits your file.
Let's Talk About Your Waco Purchase
Tell us what you're working with and we'll tell you exactly what it takes — no pressure, no runaround.
