Home financing in Mclennan County.
County-by-county financing guides. No paperwork. No social. No ID.
9 institutions are headquartered inside the Mclennan County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Mclennan County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 1st University Credit UnionPersonal · Home
- First Central Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Genco Credit UnionPersonal · Home · Business capital
- Heart O' Texas Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- Highway District 9 Credit UnionPersonal · Home
- IN THIS LIST
2 of the 16 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Members Choice of Central Texas Credit UnionPersonal · Home · Business capital
- Rocket Credit UnionMinority depositoryPersonal · Home
- Linkage Credit UnionPersonal
Show the other 1Show fewer
- Waco Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Mclennan County line. You can walk in.
- Kraftman Credit UnionPersonal · Home · Business capital
- Texell Credit UnionPersonal · Home · Business capital
- Fontana Credit UnionPersonal
- Pba Credit UnionPersonal
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Buying a home in McLennan County — whether in Waco, Hewitt, Woodway, or a rural community — is more reachable than many people think. This guide walks you through what home financing actually is, who can qualify (including ITIN holders and self-employed contractors), what paperwork you will need, and which local lenders and nonprofits can help you. We focus on the people and organizations right here in Central Texas who understand this market, not just federal programs on a website.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
First Central Credit Union · Heart O' Texas Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
1st University Credit Union · First Central Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN MCLENNAN COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MCLENNAN COUNTY →108TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.182 institutions fund home financing inside Texas county lines.OPEN THE STATE →
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