McCulloch Mortgage Team

Your Texas Mortgage Lender

We treat every customer as an individual, not a number.

Get a FREE home buying tips book!

We help you get in the house you want.

You won’t be placed into a loan profile created by the banking industry. We use common sense and will help you obtain the best home loan possible. We have a wide range of programs and together find the loan that’s best suited for you. Not all buyers are created equal, and if by chance you are not in a position to purchase a home right now, we can advise you on how to get “Mortgage Ready”.

Loan Programs

FHA Loans

The Federal Housing Administration (FHA) insures the loan, and allows a buyer to purchase a home with as little as 3.5% down. They tend to be more lenient in areas such as credit, funds to close and co-borrowers.

Read More »

USDA Loans

No down payments!
It is designed to provide financing for properties outside metropolitan areas. Many homes inside the city limits will not qualify, but many of its surrounding communities will.

Read More »

VA Loans

If you are active or duty or a veteran, VA mortgage loans are one of the best methods to use when buying a home.
The loan and sales contract can be set so that the financing covers 100% of the price and the seller covers the closing cost.

Read More »

Construction Loans

Want to build your own?
Close on your loan and your permanent financing in one simple step. Our One Time Close will save you thousands in closing costs alone.

Read More »

Want to crunch some numbers ?

We have all the tools and resources you need.

Affordability Calculator

The Loan Process

Paperword Checklist

Contact Us


600 Lake Air Suite 1B
Waco, Texas 76710

Office Hours

9:00 AM – 5:00 PM
Monday – Friday