Bank Statement Loans
Qualify using personal or business bank statements instead of tax returns — built for self-employed borrowers whose tax returns don't reflect their real cash flow.
Read MoreMortgage Lender in Waco, TX
Entrust Home Lending is licensed to lend across Texas, including Waco and McLennan County — FHA financing for first-time buyers, hard money and fix-and-flip loans for the area's renovation market, and DSCR for investors.
Talk to a Waco Loan Officer
Waco’s identity has shifted in the last decade, driven by two anchors: Baylor University, which supports a steady base of faculty, staff, and student-adjacent rental demand, and a renovation and home-flipping culture that grew alongside the city’s rising national profile around fixer-upper style projects. That second trend has made hard money and fix-and-flip financing genuinely useful in Waco in a way it isn’t in every Texas market — investors buying older homes near Downtown Waco or Brookview specifically to renovate and resell need financing that moves as fast as a competitive offer requires.
Hard money loans are underwritten primarily against the property and the renovation budget rather than the borrower’s personal income, closing in days rather than weeks when a deal depends on speed. For owner-occupant buyers in more established neighborhoods like Woodway and Hewitt, FHA financing remains the standard first-time-buyer path, with its 3.5% down payment often paired with TSAHC assistance.
Baylor’s presence also supports a consistent long-term rental market near campus, where DSCR financing lets investors qualify a purchase off the property’s own rental income rather than personal income documentation — useful for anyone building a rental portfolio around McLennan County’s student and faculty housing demand rather than financing one property at a time under conventional rules.
Waco’s renovation culture isn’t limited to investors, either — homeowners in older neighborhoods near Downtown Waco commonly want to tap into equity to fund their own remodel rather than sell and move. Cash-out refinance lets an existing homeowner convert home equity into renovation funds on their primary residence, which is a different program from the fix-and-flip financing built for investors buying to resell, and choosing the right one depends on whether the home being renovated is staying in the family for years to come or headed back to the market for resale.
Communities We Serve Near Waco
Downtown Waco, Brookview, Hewitt, Woodway, Bosqueville, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for Waco Buyers and Investors
A sample of what we originate — see the full list of loan programs for everything we offer.
Conventional Loans
Financing not backed by a government agency — usually means fewer overlays, more flexible property types, and no upfront mortgage insurance premium for buyers with stronger credit.
Read MoreDown Payment Assistance
Grant and bond programs that can cover part or all of your down payment and closing costs, often paired with FHA or conventional financing.
Read MoreDSCR Loans
Qualify investment property financing off the property's rental income, not your personal income — no tax returns or employment verification required.
Read MoreFHA Loans
Government-backed financing built for buyers with limited down payment savings or a credit history that doesn't fit a conventional box — including flexible credit-score guidelines and 100% financing programs.
Read MoreITIN Loans
Home financing for borrowers who file taxes with an ITIN rather than a Social Security number.
Read MoreAward-Recognized Loan Officers
NAHREP Top 250
Latino Mortgage Originators
TSAHC Top Performing
Loan Officer
Scotsman Guide
Top FHA Originator
NAHREP Loan Officer
of the Year
How It Works
What Working With Us Looks Like
01
Plan
See what your dream home could look like. Run the numbers yourself with our calculators — no commitment, no credit pull, just a starting point.
Try the Calculators →02
Contact
You've got a rough idea what you can afford — now it's time to connect with a loan officer who can guide you through the next steps.
Meet Our Team →03
Review
A loan officer reviews your file personally and tells you what you qualify for, and what to fix if you don't yet.
04
Process & Underwrite
We handle documentation, appraisal, and underwriting in-house and keep you updated at every step.
05
Close
Clear to close, sign, and get your keys — with milestone updates the whole way.
Waco FAQs
Does Entrust Home Lending finance homes in Waco?
Yes — Entrust Home Lending's Texas license covers Waco and all of McLennan County, originating FHA, conventional, hard money, and DSCR loans.
Can I finance a fixer-upper in Waco?
Hard money and fix-and-flip financing are built for exactly that — underwritten primarily on the property and the renovation plan rather than a stack of personal income documentation, closing fast enough to compete on an older home that needs work.
Financing a Home in Waco?
Talk to a local loan officer who already knows the market.
