Dallas-Fort Worth Home Loans

The DFW metroplex is the fourth-largest metro in the country and it keeps growing. Corporate relocations from Toyota, CBRE, Deloitte, Charles Schwab, and dozens of other Fortune 500 companies have reshaped the hiring landscape — and every new headquarters brings thousands of families looking for houses. The result is a housing market that stretches from $250K starter homes in Denton and Mesquite to $1M+ estates in Southlake and Westlake, with everything in between across Frisco, McKinney, Plano, Allen, and Arlington.

No state income tax makes DFW an easy sell for relocating buyers. Combined with a cost of living that’s still below the national average (despite rapid growth), it’s easy to see why people keep coming.

But the market moves fast, and having financing locked down before you start touring is the difference between getting the house and losing it to someone who did.

Loan Programs Available in Dallas-Fort Worth

We finance homes across the entire DFW metroplex — from downtown Dallas condos to new construction in Celina.

Here’s what we offer:

• FHA Home Loans — 3.5% down, flexible credit requirements. Popular with first-time buyers in suburbs like Grand Prairie and Irving.
• VA Home Loans — Zero down payment for veterans and active duty. DFW has a sizable military population near Naval Air Station Fort Worth.
• Conventional Loans — 15- and 30-year fixed. Best rates for buyers with 20% down and strong credit.
• Jumbo Loans — For homes above the conforming limit. Needed in Highland Park, University Park, Southlake, and Westlake.
• USDA Loans — Zero down for eligible areas on the outer edges of the metroplex.
• Bank Statement Loans — Self-employed borrowers qualify using deposits, not tax returns. Big demand from DFW’s contractor and small business population.
• DSCR Loans — Investor loans qualified by rental income. DFW’s rental market is one of the strongest in the country.

Dallas-Fort Worth Housing Market

The DFW median home price sits around $380K, but that number hides a lot of range. Entry-level new construction in Forney, Princeton, and Anna runs in the low $300Ks. Move closer to the employment hubs — Frisco, McKinney, Plano — and you’re looking at $400K–$600K. Cross into the Park Cities, Southlake, or Colleyville and pricing goes well north of $1M.

The DFW market also has one of the healthiest new construction pipelines in the country — builders are competing hard for buyers right now, which means incentives are real and negotiable.

Here’s how the major submarkets break down:

• Frisco / Prosper / Celina: $400K–$700K. The northern growth corridor. New master-planned communities, top-rated Frisco ISD schools, and proximity to the $10B+ PGA development and new Universal Studios park. Heavy new construction with builder rate buydowns.
• McKinney / Allen / Fairview: $350K–$550K. Established suburbs with a mix of older inventory and new builds. Strong school districts across the board. Allen’s $60M high school stadium tells you how much this community invests in itself.
• Plano / Richardson: $350K–$600K. Legacy corridor — State Farm, Toyota, Liberty Mutual, and JPMorgan Chase are all here. Walkable downtown Plano has driven prices up in the surrounding blocks.
• Southlake / Westlake / Colleyville: $700K–$2M+. The premium tier. Top schools, large lots, high-end finishes. Jumbo financing is standard here.
• Fort Worth / Arlington / Grand Prairie: $280K–$450K. More affordable than the Dallas side. Fort Worth’s Cultural District and Stockyards area have driven prices up in nearby neighborhoods. Arlington straddles the middle — affordable and central.
• Denton / Forney / Princeton / Anna: $250K–$380K. The affordability frontier. Longer commutes, but first-time buyers get more house for the money.

What to Know Before Buying in DFW

• Property taxes are high. Texas has no income tax, but counties make it up on property tax. Collin County effective rates run 2.0–2.4%. Factor that into your monthly payment — on a $400K house, you could be looking at $8K–$10K per year.
• New construction is everywhere. Master-planned communities in Prosper, Celina, and Melissa are still breaking ground. Builder incentives on rate buydowns are common — sometimes 1–2 full points below market rates for the first year or two.
• The investor market is active. DFW’s population growth and job creation drive consistent rental demand. Single-family rentals in mid-tier suburbs have strong returns, and the build-to-rent sector is booming.
• HOA communities dominate the suburbs. Budget for $50–$200/month on top of your mortgage in most newer developments. Older neighborhoods in Fort Worth, Richardson, and established parts of Plano often don’t have HOAs.
• Relocation packages vary. If your employer is covering closing costs or offering a relocation allowance, we can structure the loan to maximize what you keep in your pocket.

Why Buyers in Dallas-Fort Worth Choose 1st Nationwide

DFW’s scale means you need a lender who understands the differences between buying in Frisco vs. Fort Worth vs. Highland Park. Here’s what sets us apart:

• We know DFW price tiers. Whether you’re buying a $280K townhouse in Euless or a $900K home in Prosper, we’ve done the loan before and know which program fits.
• Fast pre-approvals for relocation buyers. Corporate relocations don’t wait. We issue same-day pre-approval letters so you can compete in a market full of cash-heavy offers.
• Self-employed and investor solutions. DFW’s economy runs on small businesses and rental investors. Our bank statement and DSCR programs exist specifically for borrowers whose income doesn’t fit a W-2 box.
• Licensed in Texas, NMLS #1437886. We’re a direct lender — no middlemen, no broker markups.

Get Started

Whether you’re relocating to DFW for a corporate move, buying your first home in the suburbs, or adding a rental property to your portfolio — we can help.

Call (833) 350-9185 to talk through your options, or apply online to get started today.

We’ll walk you through programs, rates, and what you actually qualify for — no pressure, no runaround.