NeighborWorks Waco

More Solutions for Your Buyers

Every buyer brings a different financial situation to the table. When traditional financing doesn’t quite fit, NeighborWorks Waco can help REALTORS explore additional options for their clients.

Our lending solutions include FHA, VA, USDA and Conventional loans, along with portfolio mortgage loans and specialized products designed to meet a variety of buyer needs. Qualified buyers may also have access to down payment assistance of up to $10,000, which can be paired with many lending programs.

Have a client who doesn’t meet traditional lending requirements? NeighborWorks Waco’s portfolio mortgage program offers 100% financing with no FICO requirement, along with no prepayment penalty. We also offer options including bank statement, 1099, P&L, DSCR and asset depletion loans, as well as a 0% interest bridge loan for qualified buyers who need to buy before they sell.

When a financing challenge comes up, you don’t have to send your buyer back to square one. Let NeighborWorks Waco be a lending resource for you and your clients.

Contact Martha Johnson, Mortgage Loan Officer (NMLS #72225), at 254-327-5400 to discuss your buyer’s needs, or learn more at: https://www.nw-waco.org/realtors-loan-products/

Every homebuyer’s journey is different, and finding the right financing can make all the difference.

At NeighborWorks Waco, we offer a variety of home loan options to help individuals and families take the next step toward homeownership. Whether you're buying your first home or your next home, our mortgage professionals can help you explore your options, including:
• FHA Loans
• VA Loans
• Conventional Loans
• USDA Loans
• Portfolio Loans

We also offer financing options that may include 100% financing and down payment or closing cost assistance for qualified borrowers.

During National Mortgage Professionals Month, we’re proud to recognize our lending team for helping Central Texas families understand their options and make informed decisions about homeownership.

Ready to explore your possibilities? Learn more about our home loan options and how we can help you get started! https://www.nw-waco.org/home-loan-options/

There's still time to register for NeighborWorks Waco's FREE Homebuyer Education Workshop!

During this one-day workshop, local industry professionals will walk you through:
• Understanding the homebuying process
• Financing and mortgage options
• Down payment and closing cost assistance programs
• Budgeting and credit
• What to expect from contract to closing

Saturday, September 26, 2026
8:30 AM – 4:00 PM
NeighborWorks Waco
922 Franklin Avenue

Breakfast, lunch, and workshop materials are provided at no cost.
Whether you're ready to buy now or planning for the future, this workshop will give you the knowledge and confidence to move forward.

Register today! Registration will close on Thursday, September 24th:
https://www.nw-waco.org/september-26-2026-homebuyer-education-workshop/

September is National Preparedness Month, a good reminder that being ready for an emergency starts at home.

Severe weather, power outages, fires and other unexpected events can happen with little warning. Taking a few simple steps now can help protect your household and make it easier to respond when something goes wrong.

Start by making sure you have an emergency kit with water, nonperishable food, flashlights, batteries, medications and important documents. Know how to safely shut off utilities if necessary, test your smoke and carbon monoxide detectors, and make a family communication plan so everyone knows where to go and how to reconnect.

It is also a good time to review your homeowners or renters insurance and make sure your coverage reflects your current needs.

Preparedness does not have to be complicated. A little planning today can make a big difference when an emergency happens.

During National Mortgage Professionals Month, NeighborWorks Waco is proud to spotlight the Waco Association of REALTORS for its commitment to expanding homeownership opportunities in our community.

REALTORS play an important role in guiding homebuyers, connecting them with trusted resources and helping them find a place to call home. Through its generous financial support, the Waco Association of REALTORS also helps NeighborWorks Waco provide homebuyer and financial education to individuals and families preparing for homeownership.

This partnership equips future homebuyers with the knowledge and tools they need to make informed decisions and move forward with confidence. Thank you to the Waco Association of REALTORS for investing in education and helping more Waco-area families work toward their homeownership goals!

Waco Association of Realtors, Inc.

Today marks the beginning of Hispanic Heritage Month, a time to recognize and celebrate the histories, cultures and contributions of Hispanic and Latino communities.

At NeighborWorks Waco, we are proud to serve a diverse community and to help individuals and families pursue opportunities that can create greater stability, financial confidence and a place to call home.

From September 15 through October 15, we join communities across the country in honoring the people, traditions and stories that continue to shape and strengthen our neighborhoods.

September is National Preparedness Month

A little preparation today can make a big difference when the unexpected happens.

National Preparedness Month is a reminder for homeowners and renters to take simple steps to protect their households, homes and finances before an emergency occurs.

Start by creating an emergency plan, assembling a supply kit and keeping copies of important financial, insurance and housing documents in a safe place. Homeowners and renters can also review their insurance coverage, document valuable belongings and work toward building emergency savings for unexpected expenses.

Preparedness goes beyond having supplies on hand. It also means being financially prepared to recover and move forward when life doesn’t go according to plan.

Take time this month to make sure you and your household are ready.



Image Source: www.news.va.gov

What Does a Mortgage Loan Officer Actually Do?

A mortgage loan officer can be one of your most important resources when preparing to buy a home. But their role involves much more than processing a loan application.

From helping you understand your financial picture and exploring mortgage options to explaining documentation requirements and guiding you through the lending process, a loan officer can help make a complicated process easier to understand.

In recognition of National Mortgage Professionals Month, our latest blog breaks down what a mortgage loan officer actually does, how their role differs from a homeownership counselor, and why you don’t need to have everything figured out before starting the conversation.

Read the full article on our NeighborNews blog to learn more: https://www.nw-waco.org/what-does-a-mortgage-loan-officer-actually-do/

Happy Labor Day from NeighborWorks Waco!

Today we celebrate the people whose hard work helps build strong families, thriving neighborhoods and a stronger Waco community.

The NeighborWorks Waco office will be closed Monday, September 7, in observance of Labor Day. We will reopen Tuesday, September 8, and look forward to assisting you then.

We hope you enjoy a safe and relaxing holiday with family and friends.

Celebrating National Mortgage Professionals Month

September is National Mortgage Professionals Month, a time to recognize the professionals who help individuals and families navigate one of life’s biggest financial decisions: buying a home.

At NeighborWorks Waco, our mortgage professionals help homebuyers understand their financing options, navigate the lending process and make informed decisions as they work toward homeownership.

From answering questions and explaining loan options to helping buyers understand what to expect along the way, having knowledgeable guidance can make the homebuying process feel a lot more manageable.

This month, we’re proud to recognize the mortgage professionals at NeighborWorks Waco and across the industry who help turn homeownership goals into reality.

Learn more about NeighborWorks Waco’s lending services:
https://www.nw-waco.org/home-loan-options/