Mortgage broker in Celina, 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
Celina mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Collin County
- Population
- 27,000
- 2024
Mortgages, built around Celina.
Celina is one of the fastest-growing cities in Collin County, drawing buyers who want new construction, room to breathe, and a short drive to the Dallas-Fort Worth employment core. Prosper Independent School District covers much of Celina's newer development, which keeps demand strong from families relocating across North Texas. Q Mortgage (NMLS #2567464) works exclusively in Texas, so our loan officers know Collin County's builder contracts, title timelines, and appraisal quirks firsthand.
How much home can you afford in Celina?
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 Celina market in context.
Celina sits in Collin County, where new-construction master-planned communities have pushed home prices across a wide range. Entry-level buyers can still find homes priced below the FHA single-family limit of $617,400, particularly in early-phase subdivisions. Move-up and custom builds regularly land closer to or above the conforming limit of $806,500. That spread means Celina buyers can't rely on a one-size-fits-all loan strategy. Collin County's overall price trajectory rewards buyers who get their financing structured correctly from the start, before a builder contract locks them into a closing window.
Every loan program we close, available across Dallas-Fort Worth.
Celina's price range calls for a clear-eyed look at several loan types. Conventional financing fits buyers whose purchase price falls at or below the $806,500 conforming limit and who can meet standard down payment and credit guidelines. FHA loans at up to $617,400 are a solid path into entry-level phases of Celina's newer subdivisions, especially for buyers with smaller down payments. VA loans carry the same $806,500 county limit and remain one of the strongest options for eligible veterans and active-duty service members buying in Collin County. For custom builds or lots priced above the conforming ceiling, jumbo financing fills the gap. Q Mortgage reviews all four program types with every Celina buyer to find the right fit.
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 moreCelina mortgage FAQs
What is the conforming loan limit for Celina, TX?
Does FHA work for buying a new-construction home in Celina?
Can I use a VA loan to buy in Celina?
Do I need a jumbo loan for a custom build in Celina?
How does financing a new-construction home in Celina differ from buying resale?
Can I refinance a home I bought in a Celina master-planned community?
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