How much house can you afford in Waco? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
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.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Robbie Hetland, SWBC Mortgage
5.0 · 98 reviews · Free pre-approval
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The Jones Team - SWBC Mortgage
5.0 · 79 reviews · Free pre-approval
Get pre-approved →
Thrive Mortgage - Waco
5.0 · 47 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 →
Known for personalized, fast service where clients can actually speak with a team member, SWBC Mortgage helps navigate the home buying process with clear guidance. They specialize in managing complex closings efficiently, which customers appreciate when timing is tight. The team’s friendly approach makes the experience smoother, even when challenges arise.
The Jones Team at SWBC Mortgage specializes in personalized mortgage solutions with fast, customized quotes and a wide range of loan options, including FHA, VA, Jumbo, and USDA programs. Clients appreciate their efficient communication and patient guidance throughout the home financing process, though some experiences may involve navigating complex paperwork.
Thrive Mortgage, now part of Lower.com, offers a fully digital mortgage experience with a focus on transparency and clear communication. Their services include home purchase loans, refinancing, and home equity options, supported by knowledgeable agents who guide clients through each step. Customers appreciate their thoroughness and responsiveness, though the fully online process may feel less… more...
Thrive Mortgage, now part of Lower.com, offers a fully digital mortgage experience with a focus on transparency and clear communication. Their services include home purchase loans, refinancing, and home equity options, supported by knowledgeable agents who guide clients through each step. Customers appreciate their thoroughness and responsiveness, though the fully online process may feel less personal to some.
Known for clear communication and timely updates, this mortgage team helps guide buyers smoothly through the loan process. They offer attentive support from application to closing, with quick responses via phone, text, or email. Customers appreciate their transparency and thoroughness, though some note the process can still feel complex at times.
The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending focuses on guiding clients through complex home financing, especially in challenging market conditions. Their team offers mortgage brokerage services with clear communication and responsive support. Customers appreciate the helpful, attentive approach, though experiences may vary depending on individual team members.
SWBC Mortgage Waco - Main focuses on helping clients find mortgage loans that fit their needs, with a team known for clear communication and responsiveness. They guide first-time and experienced homebuyers through the loan process, aiming to make it smooth and timely. Customers appreciate the attentive service and straightforward answers throughout.
Known for clear communication and strong responsiveness, Brazos Group - Fairway Home Mortgage helps clients navigate home financing with ease. Their team offers mortgage brokerage services, keeping borrowers informed and promptly addressing any issues that arise. Customers appreciate their friendly approach and reliable support throughout the loan process.
Known for guiding clients through a smooth and responsive mortgage process, this loan officer works with a team offering a wide range of loan options tailored to individual needs. Customers appreciate the clear communication and ease throughout home financing, often highlighting the helpful online tools and attentive support.
Specializing in helping first-time homebuyers, this loan officer and his team focus on making the mortgage process manageable and supportive. They assist with loan options and guidance throughout home financing, with customers noting the team’s helpfulness and expertise. Some find the office a bit tricky to locate initially.
Known for detailed guidance and clear communication, Cory Smith at First State Bank Mortgage helps borrowers navigate home purchases, refinancing, and cash-out options with ease. Specializing in FHA loans, down payment assistance, and low down payment programs, the team is praised for responsiveness and making the mortgage process manageable.
Lenders made 2,955 home-purchase loans in Mclennan County in 2025 (average about $332,000) and denied 543 — 16% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Waco, the median home is worth $221,700 and 52% of owners have a mortgage, paying a median $1,737 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Mclennan 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 | Robbie Hetland, SWBC Mortgage | 5.0 | 98 | Quoted per loan | (254) 855-1895 | Visit |
| 2 | The Jones Team - SWBC Mortgage | 5.0 | 79 | — | (254) 652-6370 | Visit |
| 3 | Thrive Mortgage - Waco | 5.0 | 47 | Quoted per loan | (877) 241-2701 | Visit |
| 4 | Trent Miller, SWBC Mortgage - Loan Officer | 5.0 | 46 | — | (254) 300-7349 | — |
| 5 | The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending | 5.0 | 42 | Quoted per loan | (254) 405-6690 | Visit |
| 6 | SWBC Mortgage Waco - Main | 5.0 | 40 | Quoted per loan | (254) 741-9440 | Visit |
| 7 | Brazos Group - Fairway Home Mortgage | 5.0 | 36 | $200 | (254) 870-6705 | Visit |
| 8 | Sarah Jamar - Loan Officer | 5.0 | 22 | Quoted per loan | (336) 413-6590 | Visit |
| 9 | Jonathon Roberts — Loan Officer | 5.0 | 20 | — | (254) 449-4338 | Visit |
| 10 | Cory Smith - First State Bank Mortgage | 5.0 | 16 | Quoted per loan | (254) 723-8341 | 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.