From Baylor faculty to first-time buyers — we help McLennan County families close in 21 days. Access up to $25K in city DPA. Zero broker fees, in-house underwriting. We also serve nearby Austin home loans and Dallas mortgage lender markets.
STX Lending serves employees at Waco's top employers
The City of Waco Housing & Community Development Department offers qualifying first-time buyers a forgivable loan of up to $25,000 in down payment assistance and closing costs. It's one of the largest city-funded DPA programs in Central Texas — and barely anyone is advertising it. Pair this with an FHA loan to minimize cash needed at closing. We coordinate directly with the Waco HCD office.
Takes under 3 minutes. No credit pull required.
9-month contracts, research stipends, and grant income — academic pay is complex. We've helped dozens of Baylor faculty qualify correctly, often for significantly more than their bank first offered. Veterans should check our VA loan programs, and rural buyers should look at USDA financing.
Talk to a SpecialistDirect lender. No markup, no middlemen. Every dollar saved stays in your pocket at closing.
From the city's $25K DPA grant to Baylor faculty programs and VA loans for Waco veterans — we match you to the program that saves you the most.
The City of Waco Housing & Community Development offers up to $25,000 in forgivable down payment and closing cost assistance for eligible first-time buyers at or below 80% AMI. That's $5K more than Arlington's AHAP — and virtually no competitor in Waco mentions it.
Waco's Doris Miller VA Medical Center anchors a large veteran community in McLennan County. VA loans offer $0 down, no PMI, and competitive rates for eligible veterans and active duty. We are VA loan specialists who navigate the appraisal process expertly.
Baylor University is Waco's #1 employer. Faculty and professional staff often have academic income structures — sabbatical pay, research grants, and 9-month contracts — that standard banks mishandle. We know how to qualify academic income correctly.
Waco ISD teachers, Providence nurses, and first responders qualify for TSAHC's Texas Heroes program — up to 5% DPA as a grant (not repayable). Stack it with an FHA loan for the lowest possible out-of-pocket costs.
L3Harris Technologies maintains significant operations in the Waco area, bringing defense and aerospace professionals with specialized W-2 income. We handle defense contractor compensation structures and can close fast for relo packages.
The Magnolia/Fixer Upper effect has appreciated values in Waco's historic core and Silo District neighborhoods. If you bought before 2022, you likely have significant equity. Access it for renovations, investment, or debt payoff under Texas 50(a)(6) rules.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for McLennan County with homestead exemption math built in.
Estimate my property taxNo bank delays. No broker markups. A fast, transparent path to your Waco closing table — coordinated with the city's DPA office when needed.
Under 10 minutes on any device. Sync your income securely. We check Waco HCD DPA eligibility, VA entitlements, and TSAHC Hero programs automatically during your application.
Get a fully underwritten, credit-cleared approval in 48 hours. In Waco's buyer-friendly market with 100+ days on market, you have time — but a strong approval still wins negotiations.
Sign most documents online. Meet at a local McLennan County title company just for keys. Our 21-day average is 4× faster than a national bank, and we coordinate DPA disbursement seamlessly.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Waco borrowers via phone, video, and remote closings. Texas-licensed and dedicated to fast, transparent service.
Branch Manager & Loan OriginatorNMLS #1775990
Ben Gheliuc runs the STX Lending branch in San Antonio. Before mortgages, he spent over a decade as a mechanical engineer managing large commercial projects. He moved into the mortgage industry in...
Meet Ben
Mortgage Loan OriginatorNMLS #1183936
Isliana Norwood has been originating mortgages in San Antonio for 12 years. She started in college as a Loan Officer Assistant and stayed in the industry because she liked the work of getting...
Meet Isliana
Mortgage Loan OriginatorNMLS #2781461
Roxana Iorgoni is a Mortgage Loan Originator licensed in Texas, California, and Washington. She has a Bachelor's degree in Accounting and spent more than 15 years co-running a multi-location...
Meet RoxanaWe operate one Texas office and serve McLennan County and Central Texas borrowers by phone, video, and remote closings.
Join Waco homeowners who chose a smarter lender. Check city DPA eligibility, lock your rate, and close in 21 days — no broker fees, ever.