TEXAS MORTGAGE BROKERS
Future Home Loans is a veteran-owned mortgage brokerage serving Texas homebuyers and homeowners. From Waco and Central Texas to communities across the state, our mortgage brokers help you compare lender options for a home purchase or refinance and understand the costs, documents and next steps.
Meet our Texas-serving team below, or get started with your home financing.
meet your
texas brokers
Cherie Ford
Cherie Ford possesses over two decades of experience as a licensed mortgage professional, with a significant tenure in the home loans industry even preceding her licensure in 2000. Her personal life is rooted in Waco, where she and her husband Steve have successfully raised their two sons.
Cherie Ford’s professional attributes include her prowess as a tenacious problem solver and a visionary thinker who consistently explores innovative solutions. Her dedication to aiding others has been pivotal in the growth of her business, establishing her as a respected figure in the realm of mortgage professionals, often characterized as a ‘Make It Happen’ expert.
Cherie takes pride in her role as an independent Mortgage Broker, a status that empowers her to meticulously choose the most suitable lender and program tailored to her clients’ unique needs, all while maintaining a consistent track record of timely closings. With her unwavering commitment and an optimistic outlook, the future holds promising prospects in her professional journey.
Hilary Jones
I am a mortgage broker dedicated to helping families across Texas achieve the dream of homeownership. I specialize in guiding first-time buyers and veterans through the mortgage process, ensuring each step is clear, efficient, and stress-free. My goal is to provide the knowledge, resources, and support clients need to make confident financial decisions.
As a mother of four and a former Army wife of eight years, I understand the unique challenges military families face and take pride in helping veterans access the benefits they have earned. This perspective allows me to serve clients with both professionalism and empathy, always keeping their best interests at the forefront.
Outside of my work, I enjoy traveling, spending time with my family, and contributing to my community. Helping people put down roots and build a strong foundation for the future is not only my profession—it is my passion.
our licensed
texas team
Timothy Finn
Cherie Ford
Ronda Shirley
OUR CUSTOMERS LOVE US!
Damian and Jenn went far beyond our expectations. Communication, follow through and updates were uncommonly competent and professional. I highly recommend this team!
ShawnBrian and Angelica were a pleasure to work with! They made things to easy to buy our first home! I highly recommend going with them you will not regret it!
Garetear11Best loan assistance in Florida!
MattBUYING A HOME IN TEXAS
Start with the property and your budget. Share the Texas county, expected purchase price and whether the home will be your primary residence, a second home or an investment. Your income, debts, credit and available down payment help determine which financing options may fit. Explore our loan programs before discussing your options with a broker.
Include taxes and insurance in your payment estimate. Budget for property taxes, homeowners insurance, any mortgage insurance and HOA dues alongside principal and interest. A Texas residence homestead exemption may reduce taxes for an eligible principal residence. Review the Texas Comptroller’s exemption guidance and contact your county appraisal district about eligibility and filing.
Research homebuyer assistance before relying on it. The Texas Department of Housing and Community Affairs offers mortgage and down payment assistance programs for eligible buyers. Program requirements and approved-lender participation apply. Review the official Texas Homebuyer Program for current options, eligibility and participating lenders.
COMPARE YOUR TEXAS REFINANCE
Compare the new loan with the one you have. Consider the rate, closing costs, remaining and proposed loan terms, and monthly payment together. A lower payment may come from extending repayment, so compare total borrowing costs and how long you expect to keep the loan.
Clarify whether you need cash out. A cash-out refinance secured by a Texas homestead can be subject to state home equity requirements. Tell your broker whether you want to replace the current mortgage, access equity or both so the applicable loan structure can be reviewed. The Texas mortgage regulator’s resources link to the homestead cash-out rules.
For a purchase or refinance, your mortgage broker can explain the process and documents needed. See how the home loan process works.
Are you looking to purchase or refinance a home?
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Our people aren’t numbers! We’re always looking to hire dedicated, forward-thinking, hard working mortgage professionals of the future. If you are a big dreamer, intelligent, and have a passion for connecting people to the home of their dreams, we invite you to join the Future of Mortgages!