Waco mortgage loans
Buying or refinancing in Waco? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving McLennan County and all of Texas. A Baylor anchored market made famous by Magnolia with strong value. You get wholesale rates from 25+ lenders and plain talk the whole way.
Ways to fund Waco.
Conventional
Low down payment options for primary homes in Waco with competitive McLennan County pricing.
FHA
Flexible credit and 3.5% down. Strong fit for first time Waco buyers.
VA
Zero down for eligible Texas veterans and active duty buyers in Waco.
Jumbo
Higher balance financing for luxury and new construction Waco homes.
Refinance
Lower your rate, pull cash out, or drop mortgage insurance in Waco.
Investment / DSCR
Qualify on rental income, not tax returns, for Waco investment property.
A Waco loan officer, not a call center.
Local pricing knowledge
I know McLennan County values, appraisers, and what it takes to win a Waco contract.
Direct access to me
You text or call me, not a 1-800 queue. Updates at every step.
25+ lenders shopped
Wholesale rates that often beat the bank down the street in Waco.
Common questions.
How much do I need down to buy in Waco?
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for Waco depends on your credit, price point, and goals. A quick call sorts it out.
What credit score do I need?
FHA can go to 580 and sometimes lower. Conventional usually starts around 620. With 25+ lenders I can place Waco scenarios other shops turn away.
How fast can I close in Waco?
Many McLennan County purchases close in 18 to 25 days when documents come in quickly. Refinances vary. I set a realistic timeline up front.
Let's get you funded in Waco.
Apply in minutes or grab 15 minutes on my calendar. No pressure, just answers.
Neal Pyles
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. This Waco guide reflects current Texas lending guidelines and local market knowledge.
A quick introduction
Let's find your
way home.
Tell me a little about your plans. I’ll help you understand your loan options and next steps.
npyles@lonestarfinancing.comPrefer to talk? Book a 15 minute call.