Loan Types

The programs we offer, with straight answers for buyers in Georgetown, TX.

Not sure which loan fits? Most buyers start with a first-time home buyer, FHA, or conventional loan, then run the numbers with the affordability calculator and see which Georgetown, TX community fits your budget.

First-Time Home Buyer Loans

Low down payment options, dozens of down payment assistance programs and a Greenlight Approval that helps your offer compete. It's never a no. It's always a how.

FHA Loans

Flexible credit, low down payment, and dozens of assistance programs. I'll show you how FHA fits your plan, then you decide.

VA Loans

No monthly mortgage insurance, no minimum credit score on my end, and VA loans funded in house by Waymaker Mortgage Company with underwriting through multiple investors.

Conventional Loans

No set credit score minimum with a Fannie Mae DU approval. Funded in house by Waymaker Mortgage Company, with a plan built around what the home really costs you over time.

USDA Loans

No down payment for eligible homes and households. I'll check the address and your income up front, so you shop with confidence.

Jumbo Loans

Buying a higher-priced home? I shop your file across multiple investor partners and build a jumbo strategy around the total cost, not one number.

Down Payment Assistance

National, Texas, Florida and Ohio programs most banks don't offer, matched to your loan and your budget by a Mortgage Advisor who owns the company.

Physician Loans

Low or no down payment, realistic treatment of student loans, and the option to close on your signed contract. Built around a medical career.

Self-Employed and Bank-Statement Loans

Bank-statement, 1099 and other self-employed loans funded in house by Waymaker Mortgage Company, with a Mortgage Advisor who takes your file to the investor that fits.

Investor & DSCR Loans

Qualify on the property's rent, not your tax returns. I invest in real estate myself, and Waymaker Mortgage Company funds standard DSCR loans in house.

Non-Warrantable Condo Loans

Your condo failed conventional rules? That's not the end of the deal. I'll match the building and your file with an investor whose guidelines fit both.

Refinance

Change your payment, tap your equity, or drop mortgage insurance. I run your Total Cost Analysis first, so you decide with the full picture.

Home Equity Loans & HELOCs

Put the equity you've built to work for a renovation, a debt payoff or your next investment, and leave your first mortgage exactly where it is.

2-1 Buydown

A reduced payment for your first two years, often funded by the seller or builder, with straight answers on whether it fits your plans.

Construction Loans

Conventional, FHA, VA and USDA construction financing, with one Mortgage Advisor guiding you from empty lot to front door keys.

One-Time Close Construction Loans

Finance the build and the long-term mortgage together, with VA options from 580 credit and FHA or conventional from 620.

FHA Construction Loans

Build a new primary home with an FHA one-time close, a small down payment and gift funds allowed. Credit from 620.

VA Construction Loans

Use your VA benefit to build a new home with no down payment and no monthly mortgage insurance. Funded in house by Waymaker Mortgage Company, credit from 580.

USDA Construction Loans

One closing, up to 100% financing for land, construction and closing costs, and up to 12 months of payments escrowed during the build.

Renovation Loans

FHA 203(k) and Fannie Mae HomeStyle let you finance the house and the work together. I'll help you pick the one that fits your home, your credit and your plans.

FHA 203(k) Purchase Loans

Buy a home that needs work and roll the repairs into one FHA loan, with credit scores starting at 500.

FHA 203(k) Refinance Loans

Refinance your current loan and fund the repairs your home needs in one FHA mortgage, with credit scores starting at 500.

Fannie Mae HomeStyle Purchase Loans

Buy a home and finance the remodel, upgrades included, with one conventional loan. Works for primary homes, second homes and investment properties.

Fannie Mae HomeStyle Refinance Loans

Refinance your mortgage and fund your remodel in one conventional loan, based on what your home will be worth when the work is done.

No-Income Purchase Loans

No income or employment on the application. Your credit, your down payment and your reserves tell the story. I'll show you how it works and whether it fits.

No-Income Refinance Loans

Refinance your home or rental without income or employment on the application. Your equity and credit do the talking, and I'll help you decide if it's the right move.

Asset Utilization Loans

Your savings, investments and retirement accounts can stand in for a paycheck. I'll show you how your assets turn into qualifying power.

Foreign National Loans

No U.S. credit score required. If you live outside the United States and want to own property here, I'll walk you through how financing works, step by step.

ITIN Loans

No Social Security number? If you work, pay taxes and file with an ITIN, you may be able to buy a home. I'll show you how it works and what you'll need.

Reverse Mortgages

A HECM can turn home equity into cash flow for homeowners 62 and older. I walk you and your family through how it really works, at your pace.

Principal First Loan

A first-lien HELOC that replaces a traditional mortgage, so your income lands on principal the day it arrives. Built for steady earners with real monthly surplus.

Home Improvement Loans

HELOC, home equity loan or renovation refinance: I'll help you match the right tool to your project, your credit and the first mortgage you already have.

Bridge Loans

Use the equity in your current home to buy first, move once, and pair it with a Greenlight Approval for a non-contingent offer sellers take seriously.

Community Lending (HomeReady)

A conventional loan built for working families, with flexible income rules, removable mortgage insurance and the option to pair it with down payment assistance.

Commercial Real Estate Loans

Buying a building for your business or adding income property to your portfolio? I help you find the right financing and build a plan around how the property actually performs.

SBA Loans

Buy the building your business runs from, or fund your next stage of growth. I help you find the right SBA financing and get your file ready to stand out.

Business Funding

Working capital, equipment or a growth project: I help you find the right financing for how your business actually makes money.

Pool Loans

Home equity loan, HELOC or unsecured pool loan? I'll show you how each one works so you can match the financing to your project and your budget.

Boat Loans

From a fishing boat to a family cruiser, I'll explain how boat financing works, what the credit tiers mean and what the boat will really cost to own.

RV Loans

Motorhome, travel trailer or fifth wheel, I'll explain the credit picture, the term choices and the true cost of ownership before you sign.

Aircraft Loans

Buying a plane is a big decision. I'll help you understand the credit bar, what lenders review and the full cost of owning an aircraft.

Keep exploring

Compare scenarios with our mortgage calculators, or see local programs and loan limits for your Georgetown, TX town.

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