Helping North Texas Families Finance Their Dreams
Homewood Mortgage, LLC – Wayne Wallace, SVP Mortgage Solutions (NMLS #745186)
FHA • VA • Conventional • USDA • Non-QM & Investor • Construction • Lot/Land • HELOC • Reverse • Hard Money
Your North Texas Mortgage Guide
Since 1999, I’ve helped families, first-time buyers, investors, and self-employed borrowers finance homes across North Dallas, Collin County, Grayson County, and surrounding areas. As a mortgage broker with access to multiple lenders, my job is simple: understand your goals, explain your options clearly, and structure a smart mortgage that fits your life — not just the numbers.
Whether you’re buying, building, refinancing, or investing, you’ll get honest advice, clear communication, and a plan you can feel good about.
How the Process Works
1. Quick Discovery Call or Application
We start with a short call or online application to understand your goals, budget, and timeline. No pressure, no sales script — just straight answers.
2. Customized Loan Options
I’ll review your credit, income, assets, and property details, then present options (FHA, VA, Conventional, USDA, Non-QM, etc.) with clear pros and cons.
3. Pre-Approval & Strategy
We lock in a pre-approval and structure your offer strategy with your agent or builder so you can shop with confidence.
4. Smooth Closing & Long-Term Support
My team and I manage the details, communicate along the way, and stay available after closing for future questions, refinances, and investment plans.
Loan Programs
Every homeowner’s situation is different. That’s why I offer a full lineup of programs to match different stages of life, property types, and financial goals.
Why Clients Choose Wayne Wallace
Local, Accessible, Direct
You’re not calling a call center. You’re working directly with a local mortgage professional who knows North Texas markets and guidelines.
Broker Access to Multiple Lenders
Instead of one bank’s box, I can shop multiple investors and lenders to look for strong combinations of terms, programs, and pricing.
Experience Since 1999
From first-time buyers to complex self-employed and investor scenarios, I’ve worked through almost every kind of file, market, and cycle.
Straight Talk, No Surprises
You’ll know what to expect, what’s needed, and what the numbers look like — before you’re under contract and up against deadlines.
For Real Estate Agents & Builders
I partner with agents and builders who want a dependable lending relationship — someone who answers the phone, tells the truth, and helps keep deals together. Need help with pre-approval strategy, TBD underwrites, or scenario reviews? Let’s connect.
What Clients Say
Read more or leave a review on Google
“Wayne explained every option clearly and kept us updated from pre-approval through closing. It felt like having a coach, not just a lender.”
“Wayne was awesome to work with from start to finish. He made everything easy to understand and helped the whole process go smoothly. Definitely recommend.”
“Wayne was one of the best people we have worked with in the mortgage business. Super helpful, easy to communicate with, and made everything way less stressful.”
Latest Mortgage Insights
Educational articles to help you understand credit, affordability, loan programs, and strategies for buying or refinancing in Texas.
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Denton County Real Estate: What’s Actually Happening in the Market This September
A steady market, a standout Highland Village listing, and what today’s rate environment means for Denton County buyers and sellers. If you’ve been watching Denton County real estate headlines and feeling a little whiplash — “prices are up,” “prices are down,” “it’s a buyer’s market,” “it’s still competitive” — you’re not imagining things. Different data…
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Valid and Enforceable Homestead Liens in Texas: Understanding Article XVI, Section 50 of the Texas Constitution
Home » Blog » Valid and Enforceable Homestead Liens in Texas One of the unique features of Texas real estate law is the extraordinary protection afforded to a homeowner’s homestead. Unlike many other states, Texas begins with the presumption that no creditor can force the sale of your homestead to satisfy most debts. In fact,…
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Gift of Equity: How Family Members Can Help You Buy a Home with Little or No Down Payment
When most people think about buying a home, they assume they need to save thousands of dollars for a down payment. But when purchasing a home from a family member, there’s another option worth knowing about: a Gift of Equity. A Gift of Equity can significantly reduce—or even eliminate—the cash needed for a down payment,…
Mortgage Tools
Use these free mortgage tools to estimate payments, affordability, and more. When you’re ready, I’ll help you get fully pre-approved.
Ready to Talk Through Your Scenario?
Whether you’re months away from buying or already under contract, a quick strategy conversation can save you time, stress, and money. We’ll review your goals, numbers, and options so you can move forward confidently.
Wayne Wallace – SVP, Mortgage Solutions | NMLS #745186
Homewood Mortgage, LLC – NMLS #294974 | 18170 Dallas Pkwy, Ste 304, Dallas, Texas 75287 | Phone: 945-300-4644 | wayne@wayne-wallace.com
Equal Housing Lender. All loans are subject to credit, underwriting approval, and property guidelines. Programs, rates, terms, and conditions are subject to change without notice.