Waco, TX
Your Waco, TX mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Waco — clear guidance from pre-approval through closing.
How Waco buyers get to the closing table.
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.
That market shapes the loan. In Mclennan County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Waco purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and conventional options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Waco from the ground up — close to Magnolia Market at the Silos. We finance homes across Castle Heights, Austin Avenue corridor, Downtown Waco, and Baylor area — and every other corner of Waco. Looking for a mortgage broker near you in Waco? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Waco market knowledge
Near Magnolia Market at the Silos, across Castle Heights, Austin Avenue corridor, Downtown Waco — we know Waco's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Waco buyers often start with FHA, conventional, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Waco file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Waco loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Waco, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Waco financing that fits the home and the borrower.
For Waco we lean on FHA, conventional, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Waco, we also help buyers in Temple, Killeen, Burleson. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Waco, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Waco office.
Waco mortgage questions, answered.
What's the 2026 conforming loan limit in Waco?
In Mclennan County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Waco?
Most Waco buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Waco neighborhoods do you serve?
We serve buyers across Waco, including Castle Heights, Austin Avenue corridor, Downtown Waco. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Waco, TX?
Yes. We help Waco homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TX financing for you.
Do you serve areas near Waco?
Yes — we also work with buyers in nearby Temple, Killeen, Burleson. Same process, local loan-limit details for each.
Let's finance your Waco home.
Straight answers on your Waco options, and a broker who shops the whole market so you don't have to.