Mortgage broker in Carrollton, 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
Carrollton mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Dallas County
- Population
- 135,000
- 2024
Mortgages, built around Carrollton.
Carrollton sits at a practical crossroads in the Dallas-Fort Worth metro, drawing buyers who want suburban stability without sacrificing a quick commute into Dallas or Plano. The Carrollton-Farmers Branch ISD draws families who plan to stay put, and employers along the I-35E corridor keep demand steady year-round. Q Mortgage (NMLS #2567464) works exclusively in Texas, so every loan option we present is built around what's actually happening in Dallas County right now.
How much home can you afford in Carrollton?
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 Carrollton market in context.
Carrollton sits inside Dallas County, which means buyers work within a conforming loan limit of $806,500 and an FHA single-family limit of $617,400. The city attracts a wide range of buyers: first-timers drawn to more affordable pockets near Old Town Carrollton, move-up buyers targeting newer construction in the north end, and investors watching the rental demand that comes with a population around 135,000. Prices in established neighborhoods can push well above the FHA limit, so knowing which loan type fits your specific target price is worth sorting out early. Dallas County's limits are consistent across the county line, so buyers moving between Carrollton and neighboring cities won't see a sudden shift in what they can borrow under a conforming or VA loan.
Every loan program we close, available across Dallas-Fort Worth.
Carrollton's price range means most buyers have real choices across multiple programs. Conventional loans up to the $806,500 conforming limit cover the majority of transactions, including move-up purchases in newer subdivisions. FHA loans with the $617,400 Dallas County limit suit entry-level buyers focused on older neighborhoods near Old Town or the southern part of the city, where prices more often fall under that threshold. VA loans carry the same $806,500 county limit with no down payment requirement, a strong fit for the active-duty and veteran population tied to the DFW military presence. Buyers targeting higher-priced homes above conforming should ask Q Mortgage about jumbo options, which fill the gap when purchase prices exceed what conventional programs allow.
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 moreCarrollton mortgage FAQs
What is the conforming loan limit for Carrollton, TX?
Does FHA financing work for homes in Carrollton?
Can veterans buy in Carrollton with a VA loan and no down payment?
What loan options exist for Carrollton homes priced above $806,500?
Is it worth refinancing a Carrollton home purchased in the last few years?
Does Q Mortgage work with Carrollton buyers in the Carrollton-Farmers Branch ISD area?
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