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Compare fha loan specialists in Waco. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Waco, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Texas before hiring.
Showing 20 fha loan specialists in Waco, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Robbie Hetland, SWBC Mortgage
601 Franklin Ave Ste. 4F, Waco, TX 76701
2543007348
The Jones Team - SWBC Mortgage
1508 N Valley Mills Dr, Waco, TX 76710
2546526370
Heights Finance
1105 Wooded Acres Dr Ste 440, Waco, TX 76710
2547544449
Thrive Mortgage - Waco
510 Austin Ave Suite 25208, Waco, TX 76701
8772412701
Trent Miller, SWBC Mortgage - Loan Officer
601 Franklin Ave #4f, Waco, TX 76701
2543007349
SWBC Mortgage Waco - Main
500 N Valley Mills Dr Suite 213, Waco, TX 76710
2547419440
Benchmark Mortgage — Adam Goldenberg
5525 Speegleville Rd #104, Waco, TX 76712
2547232047
The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending
1600 Lake Air Dr, Waco, TX 76710
2544056690
Jonathon Roberts — Team Roberts at Fairway Home Mortgage
217 S 4th St Suite B & C, Waco, TX 76701
2544494338
Elsa Retana-Tindell
919 N Valley Mills Dr D, Waco, TX 76710
2547159645
Cory Smith - First State Bank Mortgage
719 N New Rd, Waco, TX 76710
2547238341
Anthony Collier- SWBC Mortgage
601 Lake Air Dr, Waco, TX 76710
2547163226
Sarah Jamar - Fairway Home Mortgage
217 S 4th St Suite B, Waco, TX 76701
3364136590
Julie Brinker, Mortgage
919 N Valley Mills Dr D, Waco, TX 76710
2546447581
SWBC Mortgage Waco - Valley Mills
1508 N Valley Mills Dr, Waco, TX 76710
2546526370
Welcome Mortgage
601 Lake Air Dr, Waco, TX 76710
2547099907
SWBC Mortgage Waco - Waco Drive
3701 W Waco Dr, Waco, TX 76710
2548551895
Benjamin Holder | The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending
1600 Lake Air Dr, Waco, TX 76710
8065596435
Kristin Knight
217 S 4th St B & C, Waco, TX 76701
2543156565
Private Lending of America
2024 Austin Ave, Waco, TX 76701
2548707476
An FHA loan specialist in Waco Texas can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans often have lower down payment requirements and flexible credit guidelines, which can be helpful for first-time homebuyers in the Waco area. Texas law has specific rules regarding property taxes and homestead exemptions that may affect your FHA loan application.
What Does a FHA Loan Specialist in Waco Cost?
Typical costs for FHA loan specialist services in Texas include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Lender origination fees can vary from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Waco generally range from 400 to 700 dollars. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist in Waco do?
An FHA loan specialist helps you understand FHA loan requirements, pre-qualify, and complete the application process. They work with lenders to ensure your loan meets FHA guidelines and Texas state regulations.
What are the FHA loan limits for Waco Texas in 2025?
For 2025, the FHA loan limit for a single-family home in McLennan County is typically around $498,257. This amount can vary for multi-unit properties and is updated annually by the FHA.
Do I need a certain credit score for an FHA loan in Texas?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. With a score between 500 and 579, you may still qualify but will need a 10 percent down payment.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Texas.