Mortgage broker in Plano, 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
Plano mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Collin County
- Population
- 290,000
- 2024
Mortgages, built around Plano.
Plano is one of the most competitive housing markets in the Dallas-Fort Worth metro, anchored by a strong corporate presence — including major employers like Toyota North America and JPMorgan Chase — and consistently high demand across its well-regarded Plano Independent School District. Whether you're buying in Legacy West, refinancing in West Plano, or sizing up your options for the first time, Q Mortgage (NMLS #2567464) gives you direct access to multiple lenders without the retail bank markup.
How much home can you afford in Plano?
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 Plano market in context.
Plano sits in Collin County, one of the fastest-growing counties in Texas by population. Home prices here span a wide range, but a significant portion of the market — particularly in established neighborhoods near the Legacy corridor and newer builds closer to Frisco's border — pushes into or above the 2025 conforming loan limit of $806,500. That means buyers at higher price points need to think carefully about whether a conforming or jumbo loan structure fits their situation. Entry-level and mid-range buyers, particularly in older neighborhoods near downtown Plano, may find FHA financing relevant given the Collin County FHA single-family limit of $617,400. VA-eligible buyers have a county VA loan limit that matches the conforming cap, which is a meaningful benefit in a market where prices climb quickly.
Every loan program we close, available across Dallas-Fort Worth.
Plano's price range makes loan program selection genuinely important. Jumbo loans are a practical reality for many buyers here, especially in West Plano and the Legacy West area where move-up and luxury inventory dominates. Conforming loans fit a broad middle tier of the market and keep mortgage insurance costs manageable for buyers who can hit 20% down. FHA loans work well for first-time buyers targeting entry-level homes in older Plano neighborhoods, though the $617,400 limit means FHA won't cover the full range of available inventory. VA loans are a strong fit for the area's veteran community, with the county limit matching the conforming cap at $806,500. Conventional loans with as little as 3% down are also available for qualified buyers who want to preserve cash reserves.
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 morePlano mortgage FAQs
What is the conforming loan limit for Plano, TX in 2025?
Does FHA financing work for buying a home in Plano?
What is the VA loan limit in Collin County?
Do I need a jumbo loan to buy near the Legacy West area?
Can I refinance my Plano home if I originally took out a jumbo loan?
Is Plano a good market for first-time buyers using conventional financing?
Ready to get pre-qualified in Plano?
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