Waco Home Loans | Kris Anderson, NMLS #1201276
Trusted Mortgage Solutions for Waco Homebuyers!
Waco is a growing Central Texas community with a strong housing market, and buyers need a mortgage loan officer who truly understands the area. As a Texas Mortgage Loan Officer (NMLS #1201276), Kris offers fast pre-approvals, competitive loan options, and expert guidance for FHA, VA, Conventional, USDA, and down payment assistance programs.
Most Popular Loan Programs in Waco
Waco Texas VA Loans – Popular among local military families and veterans
Waco Texas FHA Loans – Ideal for first-time buyers entering Waco’s affordable market
Waco Texas Conventional Loans – Flexible options for a wide range of homebuyers
Waco Texas USDA Loans – Available in many rural and suburban areas outside Waco city limits
Waco Texas First-Time Homebuyer Programs – Offering grants, down payment assistance & favorable terms
Why Waco Buyers Choose Me
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Local Waco Texas market experience
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Veteran-friendly support
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Fast, reliable pre-approvals
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Clear, stress-free mortgage process
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Trusted by homebuyers across the state
Ready to Purchase a Home in Waco? Let’s secure the best mortgage for your Waco home.
Apply Now
Book a Private Call on Kris' Calendar
Your Trusted Waco Mortgage Partner | FHA, VA, Conventional, Jumbo & First-Time Buyer Loans
Why Choose Us for Your Waco Home Loan?
Buying a home in Waco? Whether you're a first-time buyer, upgrading, or relocating — we’re here to make the mortgage process smooth, fast, and stress-free.
✅ Local Waco Experts
✅ Fast Pre-Approvals (Same-Day in Most Cases)
✅ Competitive Rates Across All Loan Types
✅ Personalized Support from Start to Close
“I needed help with the down payment and Kris was able to offer me the perfect down payment assistance program to make my new home a reality. I would recommend anyone in the Waco area to reach out to Kris for any mortgage loan needs.— Amy J., Waco TX
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
📍 We Serve All of Waco
From downtown Waco to surrounding suburbs like:
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Robinson
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Hewitt
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Woodway
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China Spring
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and beyond...
We’ve helped tons of Texans buy and refinance homes across the Waco area.
🧭 The Mortgage Process – Simple & Streamlined
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Apply Online or Call Us – Fast, secure application
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Get Pre-Approved – Know what you qualify for (often same-day)
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Lock Your Rate – Competitive San Antonio mortgage rates
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Close Fast – We handle everything, so you don’t have to stress
Types of Financing
Conventional Loans
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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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FHA Loans
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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 580 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
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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
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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
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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
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Up to 80% LTV throughout Texas
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Down to 620 credit score