How much house can you afford in Killeen? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
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| After | Paid in total | Still owed |
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The Wood Group of Fairway Independent Mortgage Corp.
5.0 · 613 reviews · Free pre-approval
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Sente Mortgage
5.0 · 96 reviews · Free pre-approval
Get pre-approved →
First Community Mortgage
5.0 · 96 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Specializing in VA loans, The Wood Group of Fairway Independent Mortgage Corp. is known for closing these loans faster than national averages. They offer a wide range of home financing options, including conventional, FHA, USDA, renovation, and refinance loans. Customers appreciate their clear communication and personal attention, especially during complex or time-sensitive situations.
Sente Mortgage specializes in VA loans, serving military families and veterans with a deep understanding of their unique needs. Their team offers a variety of loan options, including conventional, FHA, USDA, and jumbo loans, while focusing on educating clients to help them make informed decisions. Customers appreciate their professionalism, responsiveness, and smooth closing process.
First Community Mortgage specializes in a variety of home loan options, including VA, FHA, USDA, and programs for veterans. Their team guides clients through each step, offering tools to help understand mortgage rates and budgeting. Customers appreciate the smooth process and supportive service throughout the home-buying journey.
Mortgage Fanatics (L And Z Financial Services) - NMLS#2309952 is known for its fast pre-approvals and closings, helping clients move quickly in competitive markets. The licensed team offers personalized support throughout the mortgage process, including Conventional, FHA, VA, and other loan types. Clients appreciate the clear communication and attentive service, though experiences may vary… more...
Mortgage Fanatics (L And Z Financial Services) - NMLS#2309952 is known for its fast pre-approvals and closings, helping clients move quickly in competitive markets. The licensed team offers personalized support throughout the mortgage process, including Conventional, FHA, VA, and other loan types. Clients appreciate the clear communication and attentive service, though experiences may vary depending on individual loan officers.
Veterans Lending Group specializes in helping first-time homebuyers navigate the loan process with clear communication and attentive support. The team handles everything from initial searches to final paperwork, keeping clients informed along the way. Some customers note occasional communication hiccups near closing, but overall the process is described as smooth and efficient.
Valor Home Lending specializes in VA loans and offers a range of mortgage options for first-time buyers and seasoned investors alike. The team guides clients through the lending process with clear communication and attention to detail, helping make home financing less stressful and more straightforward.
LeaderOne Home Loans - Staci Curb is known for clear communication and attentive guidance throughout the mortgage process. The team offers home loan services with a focus on keeping clients informed and making the experience smooth and timely. Customers appreciate the responsiveness and support, noting the process often feels less stressful.
Specializing in DSCR investor loans, Michael Moh helps both first-time homebuyers and seasoned investors navigate home financing with clear guidance and education. The team offers a variety of loan options, including down payment assistance and military relocation programs, and is noted for patient communication and steady support throughout the process.
Known for clear communication and a flexible approach, Scottie Campbell | Waymaker Mortgage Company helps clients navigate home buying and refinancing with ease. Their team offers a range of mortgage options and is praised for being personable and responsive throughout the process. Some customers note the experience is straightforward and stress-free.
First Community Mortgage offers a wide range of home loan options, including specialized programs for veterans and state-specific assistance. Their team provides educational resources like mortgage calculators and articles to help buyers understand their choices. Customers appreciate the attentive communication and personalized support throughout the loan process.
Lenders made 6,408 home-purchase loans in Bell County in 2025 (average about $303,000) and denied 967 — 13% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Killeen, the median home is worth $215,400 and 66% of owners have a mortgage, paying a median $1,559 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Bell County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | The Wood Group of Fairway Independent Mortgage Corp. | 5.0 | 613 | Quoted per loan | (254) 634-8886 | Visit |
| 2 | Sente Mortgage | 5.0 | 96 | — | (254) 781-4232 | Visit |
| 3 | First Community Mortgage | 5.0 | 96 | — | (254) 953-7000 | Visit |
| 4 | MORTGAGE FANATICS (L And Z Financial Services) - NMLS#2309952 | 5.0 | 75 | Quoted per loan | (754) 273-0357 | Visit |
| 5 | Yvette Hernandez at Veterans Lending Group | 4.9 | 74 | Quoted per loan | (254) 251-7065 | Visit |
| 6 | Nancy Pacheco - Valor Home Lending | 5.0 | 62 | Quoted per loan | (512) 955-8801 | Visit |
| 7 | LeaderOne Home Loans - Staci Curb | 5.0 | 42 | $150 | (254) 383-3813 | Visit |
| 8 | Michael Moh | 5.0 | 31 | — | (832) 224-6838 | Visit |
| 9 | Scottie Campbell | Waymaker Mortgage Company | 5.0 | 26 | — | (512) 548-8438 | Visit |
| 10 | First Community Mortgage | 4.9 | 15 | Quoted per loan | (254) 680-6158 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.