Mortgage broker in Irving, 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
Irving mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Dallas County
- Population
- 256,000
- 2024
Mortgages, built around Irving.
Irving sits at the geographic center of the Dallas-Fort Worth metro, which means buyers here get access to two major job markets without committing to either city. The Las Colinas Urban Center draws a steady stream of corporate relocations and has reshaped the local buyer profile considerably. Q Mortgage (NMLS #2567464) works exclusively in Texas, so when you're shopping for a mortgage broker in Irving, you're talking to a team that knows Dallas County inside out.
How much home can you afford in Irving?
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 Irving market in context.
Irving falls within Dallas County, where the conforming loan limit sits at $806,500. That limit covers a broad range of homes in Irving's established neighborhoods, from older ranch-style properties near Heritage District to newer builds around Las Colinas. The FHA single-family limit in this county is $617,400, which means FHA financing fits entry-level and mid-tier price points well but may fall short for buyers eyeing larger Las Colinas townhomes or waterfront properties on Lake Carolyn. Buyers here skew toward dual-income households tied to the corporate campuses concentrated in the Urban Center. Dallas County's loan limits give Irving borrowers real flexibility across multiple program types.
Every loan program we close, available across Dallas-Fort Worth.
Irving's price range supports a practical mix of loan programs. Conventional loans up to the $806,500 conforming limit handle the majority of purchases here. VA loans carry that same $806,500 county limit, making them a strong fit given Irving's proximity to DFW-area military and defense employers. FHA loans at the $617,400 limit serve buyers in Heritage District and other entry-level corridors well. Buyers purchasing above the conforming limit in Las Colinas or along Lake Carolyn should ask about jumbo financing options. Down payment assistance programs through Texas state agencies are also worth exploring for first-time buyers in Dallas County.
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 moreIrving mortgage FAQs
What is the conforming loan limit in Irving, TX?
Does the FHA loan limit cover most homes in Irving?
Can I use a VA loan to buy in Irving?
What loan programs work best for first-time buyers in Irving?
Is Irving a good market for a jumbo loan?
Can Q Mortgage help me refinance my Irving home?
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