Mortgage broker in Allen, TX.
Conventional, FHA, VA, USDA, Jumbo, and Non-QM lending across Dallas-Fort Worth. Same loan officers from soft-pull pre-qualification to clear-to-close.
- Local Dallas-Fort Worth lender — fast pre-qualification, no surprises
- Conventional, FHA, VA, USDA, Jumbo, and Non-QM under one roof
- Texas-only focus. Q Mortgage LLC, NMLS #2567464
Allen mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Collin County
- Population
- 110,000
- 2024
Mortgages, built around Allen.
Allen, TX sits in the heart of Collin County — one of the fastest-growing corridors in the Dallas-Fort Worth metro. Families relocate here for Allen ISD, a district known for strong academic and athletic programs, and employers along the US-75 corridor keep demand for housing consistently strong. Q Mortgage (NMLS #2567464) works exclusively in Texas, so when you're buying in Allen, you get a broker who knows this market and focuses on getting your loan structured right the first time.
How much home can you afford in Allen?
Adjust the inputs to see your max purchase price, target monthly payment, and front-end/back-end DTI. Tied to the same calc engine our loan officers use.
Gross household income
Cards, auto, student loans
Cash you have available
Texas avg ~2.0%
36% = conservative, 43% = QM, 50% = aggressive
- Principal & interest
- $1,639.80
- Property tax
- $496.49
- Home insurance
- $150.00
- PMI
- $113.71
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- Loan amount
- $272,897
- LTV at origination
- 91.6%
- Cash to close (est.)
- $33,937
Enter your contact info to download the PDF summary.
Estimate only. Lenders evaluate credit score, employment history, asset reserves, and loan program in addition to DTI. Cash-to-close uses a 3% closing-cost estimate; actual closing costs vary by lender, title, and county.
The Allen market in context.
Allen sits in Collin County, which carries a conforming loan limit of $806,500 — well above the national baseline. That higher ceiling reflects the real purchasing power buyers need in this market. Home prices in Allen span a wide range, from more accessible entry-level options to move-up and luxury properties that push well past the conforming limit. Buyers here tend to be dual-income households, corporate relocators tied to the US-75 employment corridor, and move-up buyers coming from southern Dallas County. The FHA single-family limit for Collin County is $617,400, which covers a meaningful portion of the Allen inventory but leaves some mid-range and upper-tier homes outside FHA's reach. Understanding where your target price falls relative to these limits shapes which program makes the most sense before you ever write an offer.
Every loan program we close, available across Dallas-Fort Worth.
Collin County's elevated loan limits open up real flexibility. For buyers targeting homes above $806,500, a jumbo loan is the path forward — Q Mortgage works with jumbo products that go beyond the conforming ceiling without requiring you to over-explain your finances to a big bank. Conventional loans are the workhouse for most Allen buyers, fitting the county's $806,500 conforming limit and offering down payment options as low as 3% for qualified borrowers. FHA loans at the $617,400 county limit are a strong fit for first-time buyers or those with less conventional credit profiles, particularly in Allen's more accessible neighborhoods. VA loans mirror the conforming limit at $806,500 for eligible veterans and active-duty service members, with no down payment requirement. Texas-specific down payment assistance programs can also layer on top of FHA or conventional financing for buyers who qualify.
Government-backed
FHA Loans
Low down payment, flexible credit. Great for first-time buyers.
Learn moreVA Loans
Zero-down financing for veterans, active duty, and surviving spouses.
Learn moreUSDA Loans
Zero-down for rural and suburban-eligible properties.
Learn moreFirst-Time Home Buyer
Programs and guidance for your first purchase.
Learn moreDown Payment Assistance
TX grants and second-lien programs to bridge the down-payment gap.
Learn more1% Down Programs
Special programs that close with as little as 1% from you.
Learn moreZero Down Programs
Pathways to a zero-down purchase via VA, USDA, or lender credits.
Learn more100% Financing
100% LTV options for qualifying borrowers.
Learn moreConventional
Conventional Loans
Standard 3% to 20% down loans backed by Fannie/Freddie.
Learn moreJumbo Loans
Above-conforming financing for higher-priced homes.
Learn moreFixed-Rate Mortgage
Lock the same rate for 15 or 30 years.
Learn moreAdjustable-Rate Mortgage
Lower intro rate for buyers who plan to move or refi.
Learn more30-Year Mortgage
Most-common loan term for primary residences.
Learn moreRefinance & equity
Refinance Overview
Find the right refi structure for your equity + rate goals.
Learn moreRate-and-Term Refinance
Lower your rate or shorten your term.
Learn moreCash-Out Refinance
Tap equity for renovations, debt consolidation, or investment.
Learn moreHELOC
Revolving credit line tied to your home equity.
Learn moreHome Equity Loan
Fixed-rate second lien against your TX home equity.
Learn moreSpecialty programs
Rent-to-Own
Lease-to-purchase pathway for buyers who need time.
Learn moreNew Construction
Financing for spec, semi-custom, and custom new builds.
Learn moreConstruction & Renovation
Single-close construction or renovation financing.
Learn moreLand Loans
Acquire raw or improved land for future construction.
Learn moreMedical Professional
Physician/MD/DO programs with relaxed DTI + student-loan handling.
Learn moreITIN Loans
Financing for borrowers without an SSN using an ITIN.
Learn moreTip Worker Loans
Income-qualification using documented tip income.
Learn moreNon-QM & investor
Bank Statement Loans
12- or 24-month bank statements in lieu of tax returns.
Learn moreP&L Loans
CPA- or borrower-prepared P&L for self-employed income.
Learn more1099 Loans
Qualify on 1099 income instead of W-2 or returns.
Learn moreAsset Depletion
Qualify using verified assets converted to monthly income.
Learn moreDSCR (Investor)
Qualify the property — no personal income docs required.
Learn moreFix-and-Flip
Short-term acquisition + rehab financing for flippers.
Learn moreBridge / Hard Money
Short-term financing to bridge purchase and permanent loan.
Learn morePortfolio / Blanket
Single loan across multiple investment properties.
Learn moreShort-Term Rental
Financing structured around STR / Airbnb income.
Learn moreForeign National
TX financing for non-US-citizen / non-resident borrowers.
Learn moreExpanded Program
Catch-all Non-QM for scenarios outside standard guidelines.
Learn moreAllen mortgage FAQs
What is the conforming loan limit for Allen, TX?
Does FHA cover most homes in Allen?
Can veterans buy in Allen with no down payment?
Is Allen a good market for first-time buyers?
Do I need a jumbo loan to buy in Allen, TX?
Can I refinance my Allen home if I bought with a jumbo loan?
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