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DALLAS-FORT WORTH

Mortgage broker in Frisco, 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
Get Pre-Qualified Call (903) 402-5626
Local snapshot

Frisco mortgage market at a glance

Conforming limit
$806,500
2026
FHA single-family
$617,400
Collin County
Population
230,000
2024
Why buyers choose Q Mortgage

Mortgages, built around Frisco.

Frisco has grown into one of the busiest housing markets in Collin County, drawing relocating families, corporate transfers, and move-up buyers alike. The Frisco Independent School District pulls buyers from across the DFW Metroplex who want strong schools without sacrificing proximity to major employers along the Dallas North Tollway corridor. Q Mortgage (NMLS #2567464) works exclusively in Texas and knows how Frisco's price points and buyer profiles shape the right loan structure from the start.

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How much home can you afford in Frisco?

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 %

36% = conservative, 43% = QM, 50% = aggressive

Max home price
$297,897
Max monthly payment (PITI + PMI)
$2,400.00
Payment breakdown
Principal & interest
$1,639.80
Property tax
$496.49
Home insurance
$150.00
PMI
$113.71
DTI ratios
Front-end (housing)
30.3%
Back-end (housing + debts)
36.0%
Loan summary
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.
Local market

The Frisco market in context.

Frisco sits in Collin County, where home prices frequently push against and above the 2025 conforming loan limit of $806,500. That puts a meaningful share of transactions in jumbo territory, particularly in established neighborhoods closer to the PGA of America headquarters and the Star district. First-time buyers do exist in Frisco, but the dominant profile here is a move-up or relocating buyer with strong income and a need for a larger loan. The FHA single-unit limit for Collin County is $617,400, which means FHA financing covers entry-level and mid-tier price points but leaves higher-priced homes outside that ceiling. Buyers need to match their target price range to the right program before they start touring homes.

Programs available in Frisco

Every loan program we close, available across Dallas-Fort Worth.

Because a large portion of Frisco purchases exceed the conforming limit of $806,500, jumbo loans are a practical starting point for many buyers here. For those shopping below that ceiling, conventional conforming loans offer competitive structures with varied down payment options. VA loans, with a county limit matching the conforming ceiling at $806,500, are a strong fit for the veteran and active-duty population connected to nearby military installations. FHA loans work well for buyers targeting entry-level Frisco neighborhoods where prices fall under the $617,400 county FHA limit. Q Mortgage evaluates all four program types to find the structure that fits your price range and financial profile.

Government-backed

FHA Loans

Low down payment, flexible credit. Great for first-time buyers.

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VA Loans

Zero-down financing for veterans, active duty, and surviving spouses.

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USDA Loans

Zero-down for rural and suburban-eligible properties.

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First-Time Home Buyer

Programs and guidance for your first purchase.

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Down Payment Assistance

TX grants and second-lien programs to bridge the down-payment gap.

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1% Down Programs

Special programs that close with as little as 1% from you.

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Zero Down Programs

Pathways to a zero-down purchase via VA, USDA, or lender credits.

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100% Financing

100% LTV options for qualifying borrowers.

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Conventional

Conventional Loans

Standard 3% to 20% down loans backed by Fannie/Freddie.

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Jumbo Loans

Above-conforming financing for higher-priced homes.

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Fixed-Rate Mortgage

Lock the same rate for 15 or 30 years.

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Adjustable-Rate Mortgage

Lower intro rate for buyers who plan to move or refi.

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30-Year Mortgage

Most-common loan term for primary residences.

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Refinance & equity

Refinance Overview

Find the right refi structure for your equity + rate goals.

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Rate-and-Term Refinance

Lower your rate or shorten your term.

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Cash-Out Refinance

Tap equity for renovations, debt consolidation, or investment.

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HELOC

Revolving credit line tied to your home equity.

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Home Equity Loan

Fixed-rate second lien against your TX home equity.

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Specialty programs

Rent-to-Own

Lease-to-purchase pathway for buyers who need time.

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New Construction

Financing for spec, semi-custom, and custom new builds.

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Construction & Renovation

Single-close construction or renovation financing.

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Land Loans

Acquire raw or improved land for future construction.

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Medical Professional

Physician/MD/DO programs with relaxed DTI + student-loan handling.

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ITIN Loans

Financing for borrowers without an SSN using an ITIN.

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Tip Worker Loans

Income-qualification using documented tip income.

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Non-QM & investor

Bank Statement Loans

12- or 24-month bank statements in lieu of tax returns.

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P&L Loans

CPA- or borrower-prepared P&L for self-employed income.

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1099 Loans

Qualify on 1099 income instead of W-2 or returns.

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Asset Depletion

Qualify using verified assets converted to monthly income.

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DSCR (Investor)

Qualify the property — no personal income docs required.

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Fix-and-Flip

Short-term acquisition + rehab financing for flippers.

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Bridge / Hard Money

Short-term financing to bridge purchase and permanent loan.

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Portfolio / Blanket

Single loan across multiple investment properties.

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Short-Term Rental

Financing structured around STR / Airbnb income.

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Foreign National

TX financing for non-US-citizen / non-resident borrowers.

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Expanded Program

Catch-all Non-QM for scenarios outside standard guidelines.

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Frequently asked

Frisco mortgage FAQs

What is the conforming loan limit in Frisco, TX for 2025?
The conforming loan limit for Collin County, where Frisco is located, is $806,500 for a single-unit property in 2025. Loan amounts above that threshold require a jumbo loan, which carries different qualification standards.
Do I need a jumbo loan to buy a home in Frisco?
It depends on your purchase price. Many Frisco homes are priced above the $806,500 conforming limit, which would put you in jumbo territory. Homes priced below that ceiling can be financed with a conventional conforming loan, and some entry-level properties may qualify for FHA financing up to $617,400.
Can I use an FHA loan to buy in Frisco?
Yes, FHA loans are available in Frisco up to the Collin County FHA limit of $617,400. If you're targeting a home priced above that amount, you'll need to look at a conventional or jumbo loan instead. FHA tends to work best for buyers focusing on Frisco's more affordable neighborhoods and price points.
Does Q Mortgage offer VA loans for Frisco home purchases?
Yes. VA loans are available in Collin County with a loan limit that mirrors the conforming ceiling at $806,500. Eligible veterans and active-duty service members can use VA financing on qualifying Frisco properties. Q Mortgage works with VA borrowers on both purchases and refinances.
Is refinancing worth it if I bought in Frisco a few years ago?
That depends on your current loan terms, remaining balance, and goals. Some Frisco homeowners refinance to adjust their loan structure, remove mortgage insurance, or tap equity for home improvements. Q Mortgage can review your current loan and walk through whether a refinance makes financial sense for your situation.
How does buying in Frisco ISD affect my mortgage options?
The school district itself doesn't change your loan eligibility, but it does affect where buyers concentrate demand in Frisco, which influences price points. Homes in sought-after Frisco ISD attendance zones often carry higher price tags, which may push your loan amount past the conforming or FHA limits and shift which programs are available to you.

Ready to get pre-qualified in Frisco?

Soft-pull pre-qualification in minutes. No surprises — just a clear number you can shop with.

Get Pre-Approved Call (903) 402-5626
Nearby cities

Other Dallas-Fort Worth markets we serve.

Dallas, TX
Dallas County
Fort Worth, TX
Tarrant County
Arlington, TX
Tarrant County
Plano, TX
Collin County
Irving, TX
Dallas County
Garland, TX
Dallas County
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