With over 10 years of experience in the mortgage industry, I’m passionate about helping individuals and families achieve the dream of homeownership. Whether you're a first-time buyer or looking to refinance, my goal is to make the financing process smooth and stress-free from the very beginning.
I believe that informed buyers make confident decisions, so I focus on providing clear, upfront guidance. By taking care of the financing details early on, my clients are free to focus on what really matters — finding the perfect home and planning their move.
Born and raised in Waco, I’m proud to serve the community I call home. I’ve been married to my husband, Justin, for 14 years, and we have three wonderful sons: Ethan, who serves in the U.S. Marine Corps, Aiden, currently attending technical college, and Ricky Carter, who’s in middle school.
Whether you're just starting to explore your options or ready to make a move, I’m here to help every step of the way.
Denise can be reached at 254-717-2280.
Denise Norwood's Testimonials
We applied online over a weekend on the website. I couldn't believe that we got a personal call from Denise immediately. I have gone through mortgages several times and this has been the easiest process ever. Denise made calls to us through the whole process days, nights, and weekend. Most calls where just to check in with us, answer questions, and check our pulse. She had our loan done in days. She came to our closing and by that day felt like a fsmily friend. She has continued to reach out to see how we love our home and offer help with all things including address changes, tax forms, or ANYTHING we need. She has done things you expect from your agent. She slso gave us great financial advice and little secrets in real estate. i would recommend her for first time buyers to retirement last homes.
Michelle W
Client
Denise was always available to answer any questions no matter how small they seemed!
Patricia C
Client
Denise Norwood has been an invaluable resource during the process of purchasing my first home. She explained every step of the process, provided valuable advice, and was overall a pleasure to work with. She has certainly earned my trust and my business for life.
Tanner C
Client
Denise went above and beyond to make sure my experience was amazing. She was very clear on her communication and knew exactly what I needed to collect to make the loan process smooth. She went over everything prior to signing and even called me the day before to go over things and make sure I was all ready.
Amelia F
Client
Denise was very helpful and attentive. She has a lot of patience because I was a first time homebuyer and needed explanations all the time. She was always available and worked around my schedule. She is an awesome person and love her personality.
Lolynda N
Client
IT WAS AMAZING!!
Jeffrey H
Client
D-Nice is amazing to deal with! Great communication every step of the way, made home buying easy ! We LOVE her!
Christian A
Client
We recently worked with Denise Norwood at Granite Bank to refinance our home, and the entire experience was outstanding from start to finish. Denise was friendly, warm, and incredibly professional throughout the entire process. She took the time to explain every step in a way that was easy to understand, which made us feel informed and reassured during what can often be a stressful experience. She patiently answered all of our questions and provided thoughtful advice, not only about our refinance but also about strategies for paying off our loans more quickly and understanding all of our available options. Communication was excellent. Denise was always prompt to respond, kept us updated every step of the way, and made sure nothing fell through the cracks. Her knowledge, attention to detail, and genuine care for her clients were evident throughout the entire process. We couldn’t be happier with our experience and are so grateful for Denise’s guidance. We would absolutely work with her again in the future and highly recommend her to anyone looking for a knowledgeable, trustworthy, and dedicated loan officer. Thank you, Denise, for making our refinance such a smooth and positive experience!
Rayanne K
Client
We recently worked with Denise Norwood at Granite Bank to refinance our home, and the entire experience was outstanding from start to finish. Denise was friendly, warm, and incredibly professional throughout the entire process. She took the time to explain every step in a way that was easy to understand, which made us feel informed and reassured during what can often be a stressful experience. She patiently answered all of our questions and provided thoughtful advice, not only about our refinance but also about strategies for paying off our loans more quickly and understanding all of our available options. Communication was excellent. Denise was always prompt to respond, kept us updated every step of the way, and made sure nothing fell through the cracks. Her knowledge, attention to detail, and genuine care for her clients were evident throughout the entire process. We couldn’t be happier with our experience and are so grateful for Denise’s guidance. We would absolutely work with her again in the future and highly recommend her to anyone looking for a knowledgeable, trustworthy, and dedicated lender. Thank you, Denise, for making our refinance such a smooth and positive experience!
Rayanne K
Client
Denise made the extra effort from the start to connect with us in person She made our lending process a personal experience where she knew us and could work with us to exceed our expectations of the home buying process. Denise took time to explain every step and made sure we understood what the next steps were. She was considerate of our timeline and made sure we were clear for closing early!!
Jennifer H
Client
