Mortgage broker in Dallas, 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
Dallas mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Dallas County
- Population
- 1,300,000
- 2024
Mortgages, built around Dallas.
Dallas is one of the fastest-growing cities in Texas, anchored by major employers like AT&T, Texas Instruments, and a thriving medical corridor in the Uptown and Medical District neighborhoods. Whether you're buying your first home in Oak Cliff or upsizing in Preston Hollow, Q Mortgage (NMLS #2567464) connects Dallas buyers with straightforward loan options and no runaround.
How much home can you afford in Dallas?
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 Dallas market in context.
Dallas sits in Dallas County, where home prices range from entry-level in southern Dallas neighborhoods to well above the conforming loan limit of $806,500 in areas like Highland Park and University Park. Buyers in mid-range price bands often fit cleanly into conventional financing, while those eyeing higher-priced properties need to plan for jumbo territory. First-time buyers targeting more affordable pockets of the city may find the FHA single-family limit of $617,400 workable, though properties priced above that threshold will require a larger down payment or a different loan structure. Dallas County's depth of inventory and varied price points mean your loan program choice matters as much as your search criteria.
Every loan program we close, available across Dallas-Fort Worth.
Because a significant share of Dallas listings exceed the $806,500 conforming limit, jumbo loans are a practical starting point for buyers in higher-priced corridors. Conventional loans fit the broad mid-market well, with flexible down payment options. FHA loans, backed up to $617,400 in Dallas County, work well for buyers targeting entry-level neighborhoods in southern Dallas or Mesquite-adjacent ZIP codes. VA loans mirror the conforming limit at $806,500, making them a strong fit for the large veteran population connected to DFW-area military installations. USDA financing is generally not applicable within Dallas city limits due to urban density.
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 moreDallas mortgage FAQs
What is the conforming loan limit in Dallas County?
Do I need a jumbo loan to buy in Dallas?
What is the FHA loan limit for Dallas, TX?
Can I use a VA loan to buy a home in Dallas?
Is Q Mortgage licensed to work in Dallas?
Can I refinance my Dallas home through Q Mortgage?
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