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 5, 2026.
Call it 129,000-plus people: Waco runs from Castle Heights to Baylor area, and Temple and Killeen 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. A Waco broker without the drive: we handle Waco loans by phone and online, and the Waco market knowledge travels with us. 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, Killeen, Burleson 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?
In Mclennan County, the 2026 single-family limit is $832,750; anything above that in Waco is jumbo territory. FHFA sets it — we'll verify your Waco case.
What loans help first-time buyers in Waco?
Waco first-timers usually land on FHA, conventional, first-time-buyer. We run the numbers on each for your Waco budget and flag any assistance programs your file can claim.
Do you cover all of Waco?
Anywhere in Waco works — Castle Heights, Austin Avenue corridor, Downtown Waco, Baylor area and every block between. The Waco address changes the comps, not how hard your file gets shopped.
Do you work with Waco, TX buyers?
We do — via licensed partner brokers. We're California-licensed (NMLS #2629064) and quarterback the Waco, TX file so Waco buyers still get many lenders shopped.
Do you serve areas near Waco?
Yes. Choice Home Mortgage also arranges loans in Temple, Killeen and Burleson through licensed partner brokers, handling those files the same way as Waco ones and checking each county's 2026 limit separately.
Do I ever need to visit an office for my Waco loan?
Everything runs by phone and online: application, documents, updates. We coordinate your Waco purchase with our licensed partner brokers handling the TX side — no office visit involved.
Next stop: your Waco address.
No call center — just Esther. We'll find what fits your Waco purchase and do the Waco lender legwork.