Texas Mortgage Lender You Can Trust - Serving First-Time Homebuyers Statewide
Kris Anderson | NMLS #1201276 | BOC Bank | NMLS #761945 | Equal Housing Lender
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Meet Kris Anderson — 25 Years of Texas Mortgage Lending Expertise
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Welcome. I'm Kris Anderson, VP of Real Estate Lending at BOC Bank, and I've spent 25 years doing one thing: helping Texas families find the right home loan and understand every step of the process. Whether you're buying your first home in Amarillo, refinancing in Wichita Falls, or purchasing in Waco or anywhere across Texas, you'll get personal attention, plain-language guidance, and a lender who genuinely has your best interests in mind. Let's make homeownership happen — the right way.
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​Kris Anderson | NMLS #1201276 | BOC Bank NMLS #761945 | Equal Housing Lender All loans subject to credit approval. Down payment assistance programs subject to eligibility requirements.
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​Take the Free 60 second Texas Homebuyer Readiness Quiz to learn more.
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Texas Mortgage Lender - Kris Anderson
NMLS# 1201276
A Mortgage Lender You Can Trust
Kris Anderson is a trusted Texas Mortgage Loan Officer (NMLS #1201276) serving homebuyers and homeowners throughout Amarillo, Killeen, Wichita Falls, San Antonio, and Dallas. Kris specializes in FHA, VA, Conventional, USDA, and first-time homebuyer programs, helping Texas families secure fast, affordable mortgage solutions with personalized guidance. Down Payment Assistance is available.
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Known for clear communication, quick pre-approvals, and transparency, Kris supports clients through every step of the home loan process. From low down payment loans to VA benefits and Texas-specific mortgage programs, Kris makes financing simple and stress-free.
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Homebuyers, veterans, and families across Texas rely on Kris for expert mortgage advice, reliable updates, and a smooth closing experience. If you want a mortgage loan officer who understands the Texas market and puts your needs first, Kris Anderson is ready to help.
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Let’s create the perfect mortgage loan for you. Click the following link to book a private no obligation call with Kris Anderson or feel free to email or use the online chat.
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Book a Private Call on Kris' Calendar​
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(806) 322-1413 Direct Office Number
Email: kris@bocbanking.com
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Kris Anderson NMLS# 1201276
BOC Bank NMLS# 761945
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Rates and Terms can change suddenly. Please contact Kris to verify nothing has changed.​
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Types of Financing
Conventional Loans in Texas
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As low as 3% down
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Primary residence, 2nd homes and investments
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Down to 620 credit score
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Seller can pay up to 3% towards closing cost
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Down Payment Assistance Programs Available
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FHA Loans in Texas
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Easier credit qualifying
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Low 3.5% down payment
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Great for first time homebuyers
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Down to 500 credit score
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Seller can pay up to 6% towards closing cost
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Down Payment Assistance Programs Available
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Jumbo Loans in Texas
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As low as 10% down
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No MI options
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Fixed and adjustable rates
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Down to 700 credit score
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VA Loans in Texas
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Zero down payment
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Seller can pay up to 4% towards closing cost
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Down to 580 credit score
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USDA Loans in Texas
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Zero down payment
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Seller can pay up to 6% towards closing cost
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Primary residence only
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Income and location restrictions apply
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Down to 600 credit score
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Cash-Out Refinance Loans in Texas
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Up to 80% LTV throughout Texas
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Down to 620 credit score
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