Home Financing
Finance Your Central Texas Home
We work with a vetted group of local lenders who know the Central Texas market, close on time, and communicate clearly. Whether you're using a VA loan, physician loan, or conventional financing, we'll connect you with the right person.
Our Network
Preferred Lenders
These are lenders we've worked with on real transactions. We recommend them because they close on time, answer the phone, and don't create surprises at the closing table.
Fairway Independent Mortgage
Crystal Friemel
Crystal has closed hundreds of VA loans for Fort Cavazos families. She knows the PCS timeline and works around it.
VA Loans, Conventional, FHA
(254) 933-3330First Community Mortgage
Nikki McDaniel
Nikki specializes in first-time buyer programs and down payment assistance available in Bell County.
Conventional, FHA, USDA
(254) 681-5626Capital Farm Credit
Financing Team
The go-to lender for ag-exempt tracts, rural land, and working ranch purchases across Central Texas.
Land, Ranch, Agricultural
(254) 743-6920First Texas Bank
Jordan Samfield
A locally owned bank with in-house underwriting, which means faster decisions and fewer surprises at closing.
Conventional, Jumbo, Bridge
(254) 939-3701Central National Bank
Stacie Bratton
Portfolio lending means they can approve loans that don't fit standard Fannie/Freddie guidelines — useful for unique properties.
Conventional, Portfolio Loans
(254) 394-3330First United Bank
Daniel Jeanes
Full-service mortgage team with competitive rates and a strong track record in the Temple and Belton markets.
Conventional, FHA, Jumbo
(254) 770-5010Know Your Options
Loan Types Explained
Not all mortgages are created equal. Here's a plain-language breakdown of the most common loan programs available to Central Texas buyers.
VA Loan
The VA loan is the single best mortgage product available for those who qualify. Zero down, no private mortgage insurance, and competitive rates backed by the Department of Veterans Affairs. If you served, use it.
Down Payment
0% down
PMI
No PMI
Min. Credit
580+ typical
Physician Loan
Physician loans exclude student debt from DTI calculations and allow closing before your first paycheck clears. Available to MDs, DOs, dentists, and in some cases NPs and CRNAs.
Down Payment
0–5% down
PMI
No PMI
Min. Credit
700+ typical
Conventional
Conventional loans offer the most flexibility in property type and loan amount. PMI drops off automatically once you reach 20% equity. Best rates go to buyers with 740+ credit scores.
Down Payment
3–20% down
PMI
Required under 20%
Min. Credit
620+ typical
FHA Loan
FHA loans have more lenient credit requirements and allow gift funds for the down payment. The trade-off is mortgage insurance that stays for the life of the loan unless you refinance.
Down Payment
3.5% down
PMI
Required (life of loan)
Min. Credit
580+ typical
USDA Loan
USDA loans cover many Central Texas communities including parts of Salado, Troy, Jarrell, and Florence. Income limits apply. A great option for buyers who qualify and want zero down without VA eligibility.
Down Payment
0% down
PMI
Annual fee (0.35%)
Min. Credit
640+ typical
Bridge Loan
A bridge loan lets you tap your current home's equity to fund the down payment on your next home — so you can buy without a contingency and compete like a cash buyer.
Down Payment
Equity-based
PMI
None
Min. Credit
680+ typical
Get Connected
Have a Lender Reach Out to You
Fill out the form and we'll connect you with the right lender for your situation. No spam, no pressure. Just a straight conversation about what you qualify for and what your options look like.
Pre-approval letters typically issued within 24 to 48 hours
Lenders who know the Central Texas market and close on time
VA, physician, conventional, FHA, USDA, bridge, and land loans
No obligation; you choose who you want to work with
Prefer to call?
254-231-0209Common Questions