Conventional Loans
When purchasing a home, this is the program that most people think of and first.
A traditional loan between parties.
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We treat every customer as an individual, not a number.
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”.
When purchasing a home, this is the program that most people think of and first.
A traditional loan between parties.
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.
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.
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.
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.
600 Lake Air Suite 1B
Waco, Texas 76710
9:00 AM – 5:00 PM
Monday – Friday
254.304.5520
Charles@McCullochTeam.com
Powered by Hancock Mortgage Partners, LLC.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
HOME MORTGAGE DISCLOSURE ACT NOTICE
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protections Bureau’s Web site www.consumerfinance.gov/hmda
NMLS ID #229844
Hancock Mortgage Partners, LLC is an Equal Housing Opportunity Lender.
One Sugar Creek Center Boulevard, Sugar Land, Texas 77478
Hancock Mortgage Partners, LLC
dba Heritage Mortgage Company