Waco, TX
A better way to mortgage in Waco, TX.
Your Waco purchase, financed on your terms — first-time-buyer, FHA, conventional — with the Waco legwork handled from Castle Heights on out.
Can Choice Home Mortgage help me buy a home in Waco, TX?
Yes. Choice Home Mortgage helps Waco buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Waco file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
The 2026 conforming limit for a one-unit Waco home is $832,750 (Mclennan County, per FHFA). We start every Waco file by placing the price against that number, then handle the application, documents and updates by phone and online.
The Waco market, read honestly.
Waco’s transformation into a national tourism and lifestyle destination anchored by Magnolia Market at the Silos has driven renovation investment and in-migration from buyers priced out of Austin and Dallas, while Baylor University provides a stable, recession-resistant foundation.
Every Waco loan starts from that reality. The 2026 conforming number for Waco buyers in Mclennan County is $832,750 — the baseline every Waco file starts from. That $832,750 ceiling covers most Waco price points — conventional, FHA, first-time-buyer all stay on the Waco table. Waco sits solidly middle-of-market as a price tier. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Call it 129,000-plus people: Waco runs from Castle Heights to Baylor area, and Temple and Bellmead sit just outside the line. Our Waco picture runs street-level, Magnolia Market at the Silos and all. Buyers come to us from Castle Heights, Austin Avenue corridor, Downtown Waco, and Baylor area, and from every other part of Waco. No drive needed in Waco: licensed partner brokers originate Waco loans, we coordinate them by phone and online, and our read on the Waco market comes with it. Across Texas, our coverage runs 83 cities deep — and in Waco, as everywhere, the county numbers get verified before anything is quoted.
What working with us looks like.
Waco market knowledge
From Castle Heights, Austin Avenue corridor, Downtown Waco to Magnolia Market at the Silos, we track what Waco homes really cost and which loans carry them.
First-time & assistance
The Waco starting lineup is usually first-time-buyer, FHA, conventional; we add whichever down-payment help your Waco budget is eligible for.
Lenders shopped for you
Waco loans here go to whichever lender earns them — we shop the Waco file wide.
Direct to the owner
Owner Esther Buede coordinates every Waco file herself, one point of contact from your first Waco call to your closing.
One name coordinating every Waco loan.
Your Waco loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Austin Avenue corridor across the Waco map. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your Waco purchase, not a template.
First-time-buyer work anchors our Waco lending, with Magnolia Market at the Silos part of the pull. Most Waco files start at first-time-buyer, FHA, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: an FHA loan, non-QM, VA, and conventional. Start where it suits you: buying, refinancing, or testing the numbers — apply in minutes or call (949) 522-7310.
For Waco, that usually means FHA, conventional, first-time-buyer.
Self-employed in Waco? We also work with self-employed buyers — 1099 income included. See Mclennan County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Waco is the center, not the edge — Temple, Bellmead, Robinson are covered too. All our Texas coverage, city by city →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Waco, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve Waco remotely; there is no local Waco office.
Real questions from Waco buyers.
Is there a loan limit for Waco purchases in 2026?
Yes. A conforming loan on a one-unit Waco home can go up to $832,750 in 2026, which is FHFA's limit for Mclennan County. Mclennan County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
What loans help first-time buyers in Waco?
First-time buyers in Waco most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Mclennan County is $541,287. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Waco?
Yes, we cover all of Waco, including Castle Heights, Austin Avenue corridor, Downtown Waco and Baylor area. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Castle Heights and Baylor area, and we coordinate them by phone and online.
Do you work with Waco, TX buyers?
Yes. We work with Waco buyers through licensed partner brokers who hold the Texas license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Waco office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Waco?
Yes. Besides Waco, we also arrange loans in Temple, Bellmead and Robinson through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Waco file.
Do I ever need to visit an office for my Waco loan?
No. A Waco loan runs by phone and online, and Choice Home Mortgage has no local office to visit. Licensed partner brokers cover the Texas licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Next stop: your Waco address.
No call center — just Esther. We'll find what fits your Waco purchase and do the Waco lender legwork.