DFW and Surrounding Suburbs Mortgage Broker

The whole metro shares one loan limit, not one payment

Every county in the Dallas Fort Worth metro shares the same conforming and FHA limits, so a buyer in Frisco and a buyer in Weatherford are working from the same ceiling. What separates them is the payment, and in this metro the payment is driven as much by taxes and assessments as by the loan itself.

A bank quotes its own sheet. As an independent broker, Mike sends your file to a wide panel of lenders and lets them compete on rate and cost. You work with him directly from application to closing, and the quote is free. Looking at a specific city? The Dallas and Fort Worth pages cover the two urban cores.

MUD and PID assessments change what you qualify for

Large parts of Denton, Collin, Rockwall, and Kaufman county growth sit inside municipal utility districts or public improvement districts. Those assessments ride along with your property tax bill, they go into your escrow, and lenders count them in your debt to income ratio exactly like the tax itself. A house in a MUD can carry a total tax rate well above three percent, and that can move your approval amount by tens of thousands of dollars compared to an identical house a few miles away.

It is worth knowing this before you write the offer, not when the underwriter recalculates your escrow two weeks before closing. Mike prices the payment with the real assessment figures for the specific address.

Builder incentives are worth checking, not assuming

Most new construction in the outer suburbs comes with a builder incentive tied to using their preferred lender. Sometimes that credit is genuinely the better deal. Often the rate behind it is marked up enough that you give back more than you receive, and the only way to know is to put the builder quote next to an independent one. Mike prices the same loan so you can compare the full cost, incentive included.

He works with borrowers in Plano, Frisco, McKinney, Allen, Prosper, Celina, Denton, Flower Mound, Arlington, Mansfield, Grapevine, Southlake, Keller, Rockwall, Forney, Waxahachie, Burleson, Cleburne, Weatherford, and Granbury. See the full loan program list, or call and describe the property.