Built in Texas, for Texas buyers.
Waterloo Mortgage was founded in Texas in 2017 — after the financial crisis — as we believed borrowers deserved better than what the big banks were offering. We started as a two-person shop in Downtown Dallas and have grown steadily by doing one thing: giving honest advice and finding the best loan for each client.
We're independent brokers, which means we're not tied to any single lender's products. We shop your loan across our network of 40+ lenders — banks, credit unions, and wholesale mortgage companies — and bring you the best rate and terms we can find. The difference between a broker and a bank is simple: the bank sells you their product; we find the right product for you.
Three things we don't compromise on.
Independent
We're not owned by a bank or a lender. We work for you — which means we shop your loan across dozens of lenders and recommend the one that actually fits, not the one that pays us the most.
Local
Texas is our home. We know the neighborhoods, the builders, the title companies, and the quirks of the Texas real estate market. That local knowledge shows up in faster closings and fewer surprises.
Transparent
We explain every fee, every rate, and every tradeoff before you sign anything. No bait-and-switch. No hidden costs at closing. You should understand exactly what you're agreeing to.
Ready to get started?
A first conversation is free and takes about 15 minutes. We'll tell you what you qualify for and which loan makes the most sense for your situation.