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Your Trusted Mortgage Partner in Waco, TX
McCulloch Mortgage Team stands as Waco, Texas' premier home loan advisory service, dedicated to simplifying homeownership across the entire state. With access to over 75 distinct loan programs, we cater to 97% of homebuyers, whether first-time purchasers or seasoned investors. Our expertise extends to Texas-specific advantages like 100% homestead exemption protection, making homeownership more favorable than renting. We specialize in VA loans with zero down payment requirements for military personnel, FHA mortgages requiring only 3.5% down, and DSCR loans that qualify investors based on rental income. Our renovation loan options allow clients to finance property repairs alongside purchases, while our refinance solutions help reduce payments or leverage home equity for major expenses.Our Waco-based loan officers provide 24/7 support, offering personalized guidance through every step of the mortgage process. We maintain strong relationships with Texas regulatory bodies, ensuring compliance with all state requirements through the Texas Department of Savings and Mortgage Lending. Our team combines deep local market knowledge with comprehensive mortgage expertise to deliver trustworthy, transparent solutions tailored to each client's unique circumstances.
Services
Home Purchase Loans
Refinance Options
VA Loans
FHA Mortgages
DSCR Loans
Renovation Financing
Home Equity Solutions
Highlights and features
- We offer 24/7 mortgage assistance for urgent home loan needs
- We provide access to 75+ home loan programs covering 97% of buyers
- Our team specializes in Texas homestead exemption protections
- We offer VA loans with zero down payment for military personnel
- Our DSCR loans qualify investors based on rental income potential
Associations and certifications
- Texas Department of Savings and Mortgage Lending
What people say
Expert mortgage guidance
Responsive 24/7 service
Comprehensive loan options
Texas market knowledge
Services
Home Purchase Loans
Our home purchase loan programs cater to all buyers across Texas. With 75+ options available, we help first-time buyers with low down payment solutions and experienced investors with specialized financing. Our Texas-specific expertise ensures you benefit from state advantages like full homestead protection while finding the perfect mortgage solution for your needs.
VA Loans
We specialize in VA loan programs for military veterans and active duty personnel. These zero-down-payment mortgages offer competitive rates and favorable terms. Our team understands the unique needs of service members and streamlines the VA loan process while ensuring compliance with all federal and Texas state requirements for military homebuyers.
FHA Mortgages
Our FHA mortgage options require just 3.5% down payment for qualified buyers. These government-backed loans provide accessible homeownership opportunities, particularly for first-time buyers. We guide clients through the FHA process while comparing it with conventional options to find the most cost-effective solution for their specific situation.
DSCR Loans
Our DSCR (Debt Service Coverage Ratio) loans enable real estate investors to qualify based on rental income potential. This specialized financing makes investment property purchases more accessible by focusing on property cash flow rather than personal income. We help investors build portfolios using this innovative approach to mortgage qualification across Texas markets.
Renovation Financing
We offer 203K renovation loans that combine purchase or refinance with home improvement funds. This eliminates out-of-pocket repair costs by financing necessary upgrades into your mortgage. Ideal for fixer-uppers or energy efficiency improvements, our renovation financing helps Texas homeowners achieve their dream properties without upfront repair expenses.
People
Charles McCulloch
Loan Officer
With extensive Texas mortgage experience, Charles McCulloch leads our team in providing expert home loan solutions. He specializes in guiding clients through complex mortgage decisions while maintaining a strong focus on personalized service and community needs.
Caleb Shoaf
Loan Officer
Caleb Shoaf brings deep knowledge of Texas real estate markets to our mortgage team. He focuses on delivering tailored loan solutions while maintaining clear communication throughout the home buying process for clients across the state.
Kammey Carouthers
Loan Officer
Kammey Carouthers combines mortgage expertise with exceptional client service. She specializes in helping Texas families achieve homeownership through strategic loan programs that leverage state-specific benefits and protections.
Brent Schofield
Loan Officer
Brent Schofield offers comprehensive mortgage guidance to Texas homebuyers. His approach emphasizes financial education and finding sustainable loan solutions that align with clients' long-term homeownership goals across diverse market conditions.
Questions
What mortgage loan options do you offer in Texas?
We offer 75+ loan programs including VA loans with zero down payment, FHA mortgages requiring 3.5% down, DSCR investor loans, and renovation financing options across Texas.
How does Texas homestead exemption benefit homeowners?
Texas' 100% homestead exemption protects your home's full value from creditors and provides property tax benefits, making homeownership more favorable than renting in our state.
Do you offer 24/7 mortgage assistance?
Yes, our Waco-based loan officers provide 24/7 support for urgent mortgage inquiries and home buying needs across Texas.
Can I refinance my existing mortgage?
We offer multiple refinance options to reduce monthly payments, accelerate mortgage payoff, or access home equity for debt consolidation and major expenses.
How do DSCR loans work for investors?
DSCR (Debt Service Coverage Ratio) loans qualify real estate investors based on rental income potential rather than personal income, making investment property purchases more accessible.
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