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Q Mortgage
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DALLAS-FORT WORTH

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
Get Pre-Qualified Call (903) 402-5626
Local snapshot

Plano mortgage market at a glance

Population
290,000
2024
Loan limits

2026 loan limits for Collin County.

Loan limits can vary by county. Enter the property address or select the county for the correct limit.

2026 Conforming Loan Limit
$832,750
1-unit · Collin County

Source: FHFA conforming loan limit county file, full county loan limit list (HERA-based, final)

Verified: August 12, 2026

2026 FHA Loan Limit
$563,500
1-unit · Collin County

Source: HUD FHA single-family forward mortgage limits, CY2026, Texas (hicost1.cfm lookup)

Verified: August 12, 2026

VA Entitlement

Eligible Veterans with full VA entitlement generally do not have a VA-imposed maximum loan amount. Loan approval remains subject to lender requirements, credit, income, residual income, property value, and available entitlement. County conforming limits can remain relevant when entitlement is not fully available.

Source: VA home loan entitlement guidance

Verified: August 12, 2026

Why buyers choose Q Mortgage

Mortgages, built around Plano.

Buying in Plano puts you in one of the tighter housing markets in Collin County, with Plano ISD boundaries and the Legacy West corridor driving a lot of buyer demand. Whether you're relocating for a role at Toyota's North American HQ or moving up from a starter home in east Plano, the financing needs to match the price point. Q Mortgage (NMLS #2567464) is a Texas-only broker that shops your file across multiple wholesale lenders instead of pushing a single product.

Try it

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 %

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

Max home price
$287,771
Max monthly payment (PITI + PMI)
$2,400.00
Payment breakdown
Principal & interest
$1,660.89
Property tax
$479.62
Home insurance
$150.00
PMI
$109.49
DTI ratios
Front-end (housing)
30.3%
Back-end (housing + debts)
36.0%
Loan summary
Loan amount
$262,771
LTV at origination
91.3%
Cash to close (est.)
$33,633

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 Plano market in context.

Plano sits at the higher end of the Dallas-Fort Worth price band, and jumbo financing comes up often here, especially for homes west of the Dallas North Tollway and inside Plano ISD's more sought-after feeder patterns. Buyer profiles range from corporate relocations tied to the Legacy business park to move-up families trading a first home in Frisco or Allen for more square footage. Collin County (FIPS 48085) also has pockets of new construction where builder incentives shape the loan structure. Current county loan figures are displayed on this page in the governed card above.

Programs available in Plano

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

Because Plano's median price runs high for the metro, jumbo loans are a frequent fit, particularly in west Plano and near Legacy West. Conventional financing covers a large share of resale transactions inside Plano ISD. FHA and VA still work for condos, townhomes, and parts of east Plano that sit closer to entry-level pricing. Q Mortgage also handles doctor and professional loan programs for relocations tied to Legacy-area employers.

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

Plano mortgage FAQs

Do buyers in Plano typically need a jumbo loan?
It depends on the neighborhood and price point. Homes in areas like Willow Bend or west Plano near Legacy West often push past the conforming ceiling, while parts of east Plano can stay inside it. Current Collin County figures are shown on this page. Q Mortgage can walk you through which bucket your target home falls into.
What loan programs work for first-time buyers in Plano?
FHA, conventional 97, and USDA (if the property qualifies in outlying pockets) are common starting points. VA financing is available if you or your spouse has eligible service. Plano's price band leans higher than the DFW average, so budget conversations matter early.
Is VA financing capped at the county loan limit?
No. VA entitlement determines how much the VA will guarantee, not a hard ceiling on what a veteran can borrow. Qualified borrowers can go above the county figure shown on this page, though the down payment math changes. Ask Q Mortgage for a scenario run.
Can I refinance my Plano home with Q Mortgage?
Yes. Rate-and-term, cash-out, FHA streamline, and VA IRRRL refinances are all on the menu for Collin County properties. The right fit depends on your current loan type, equity position, and how long you plan to stay.
How does Collin County property tax affect my mortgage?
Property taxes in Collin County are collected through escrow on most loans and directly affect your monthly payment and DTI. Plano ISD and city rates factor in. We build the full PITI into your preapproval so there are no surprises at closing.
Do you lend outside of Texas?
No. Q Mortgage is a Texas-only broker. If you're relocating to Plano from another state, we can start your file as soon as you have a Texas subject property under contract or identified.

Ready to get pre-qualified in Plano?

Soft-pull pre-qualification, with no impact to your credit score. 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
Irving, TX
Dallas County
Garland, TX
Dallas County
Frisco, TX
Collin County
Talk to a loan officer

Get a Plano pre-qualification.

Tell us a little about your scenario. We follow up on every submission with clear next steps. You'll get a rate-and-term you can take to any agent in Plano.