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Wichita Falls Home Loans | Kris Anderson, NMLS #1201276

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Affordable Wichita Falls Home Loans!

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Wichita Falls offers some of the most affordable homes in Texas, and I help buyers take advantage of those opportunities. As a Texas Mortgage Loan Officer (NMLS #1201276), I specialize in helping first-time buyers, military families, and Texas homeowners get the right loan.

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Top Loans for Wichita Falls Buyers

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  • Wichita Falls Texas VA Loans – A major benefit for Sheppard AFB personnel

  • Wichita Falls Texas FHA Loans – Easy qualification

  • Wichita Falls Texas USDA Loans – Many nearby rural zones qualify

  • Wichita Falls Texas Conventional Loans – Great long-term savings

  • Wichita Falls Texas First-Time Homebuyer Programs

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Why Wichita Falls Chooses Kris Anderson

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  • Local expertise in North Texas housing

  • Military-friendly loan options

  • Quick approvals

  • Clear guidance from start to finish

  • Family-first approach                                                  ​

  • Ready to Buy a Home in Wichita Falls?                  ​

I help Wichita Falls homeowners move forward with confidence.

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Apply Now

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Book a Private Call on My Calendar

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

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  • 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

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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.

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

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"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​

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Call: (806) 322-1413 Direct Office Number

email: kris@bocbanking.com

or reach out via the online chat

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Kris Anderson NMLS# 1201276

BOC Bank NMLS# 761945

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​Apply Now

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📍 We Serve All of Wichita Falls, Texas

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🧭 The Mortgage Process – Simple & Streamlined

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  • 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

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The New House

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

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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

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Jumbo Loans

  • As low as 10% down

  • No MI options

  • Fixed and adjustable rates

  • Down to 700 credit score

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VA Loans

  • Zero down payment

  • Seller can pay up to 4% towards closing cost

  • Down to 580 credit score

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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

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Cash-Out Refinance Loans

  • Up to 80% LTV throughout Texas

  • Down to 620 credit score

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