book

Your Trusted Wichita Falls Mortgage Lender – Helping First-Time Homebuyers & Beyond

Personalized Guidance – Tailored mortgage solutions for every buyer.
Local Expertise – Deep knowledge of Wichita Falls & Central Texas housing markets.
Full Range of Loans – FHA, VA, USDA, conventional, jumbo, and refinancing options.
Competitive Rates & Terms – Helping you save money while achieving homeownership.

Buying your first home in Wichita Falls? Kris specializes in making it easy:

Low down payment options
FHA, VA, USDA, and conventional loans
Step-by-step mortgage guidance
Down payment assistance programs

Buying a home in Wichita Falls? Whether you're a first-time buyer or a seasoned buyer Kris is here to help. We are here to make the mortgage process smooth, fast, and stress-free.

✅ Local Wichita Falls Experts
✅ Fast Pre-Approvals (Same-Day in Most Cases)
✅ Competitive Rates Across All Loan Types
✅ Personalized Support from Start to Close

"Kris was great in helping us navigate purchasing our first home. He had down payment assistance programs which really helped us get into our new home." – Jacob S, Wichita Falls

🏡 Mortgage Loan Programs Available in Wichita Falls, TX

✔️ Conventional Loans

Great for buyers with good credit and solid income.

✔️ FHA Loans

Low down payment options and easier qualifying. Perfect for first-time buyers in Wichita Falls.

✔️ VA Loans

100% financing for veterans and active-duty military. Serving Wichita Falls with pride.

✔️ Jumbo Loans

For high-value properties in Wichita Falls

✔️ Refinance Options

Looking to lower your monthly payment or tap into home equity? Let’s review your Wichita Falls refinance options.

Call: (806) 322-1413 Direct Office Number

email: kris@bocbanking.com

or reach out via the online chat

Kris Anderson NMLS# 1201276

BOC Bank NMLS# 761945

Apply Now

📍 We Serve All of Wichita Falls, Texas

🧭 The Mortgage Process – Simple & Streamlined

Apply Online or Call Us – Fast, secure application
Get Pre-Approved – Know what you qualify for (often same-day)
Lock Your Rate – Competitive Wichita Falls mortgage rates
Close Fast – We handle everything, so you don’t have to stress

Types of Financing

Conventional Loans

As low as 3% down
Primary residence, 2nd homes and investments
Down to 620 credit score
Seller can pay up to 3% towards closing cost

FHA Loans

Easier credit qualifying
Low 3.5% down payment
Great for first time homebuyers
Down to 580 credit score
Seller can pay up to 6% towards closing cost
Down Payment Assistance Programs Available

Jumbo Loans

As low as 10% down
No MI options
Fixed and adjustable rates
Down to 700 credit score

VA Loans

Zero down payment
Seller can pay up to 4% towards closing cost
Down to 580 credit score

USDA Loans

Zero down payment
Seller can pay up to 6% towards closing cost
Primary residence only
Income and location restrictions apply
Down to 600 credit score

Cash-Out Refinance Loans

Up to 80% LTV throughout Texas
Down to 620 credit score