Mortgage broker in Richardson, 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
Richardson mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Dallas County
- Population
- 120,000
- 2024
Mortgages, built around Richardson.
Richardson sits in the heart of the Dallas-Fort Worth metro, anchored by the Telecom Corridor — one of the densest concentrations of tech and telecom employers in Texas. That steady professional workforce keeps demand for housing strong across every price point. Q Mortgage (NMLS #2567464) works exclusively in Texas, so the team knows Richardson's neighborhoods, the Plano ISD and Richardson ISD boundaries that buyers argue over, and exactly which loan programs make sense here.
How much home can you afford in Richardson?
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 Richardson market in context.
Richardson spans Dallas County, which sets the conforming loan limit at $806,500 and the FHA single-family limit at $617,400. Homes in established neighborhoods like Canyon Creek and the Heights can push well above the FHA limit, which shifts many move-up buyers toward conventional financing. First-time buyers and those targeting townhomes or older ranch-style homes on the south side of the city often land closer to or under the FHA ceiling. With a population around 120,000 and proximity to major employers along US-75, Richardson draws a mix of young professionals, growing families, and corporate relocations — all with different financing needs.
Every loan program we close, available across Dallas-Fort Worth.
Richardson's price range calls for a full toolkit. Conventional loans up to the $806,500 conforming limit cover the majority of purchases here. Jumbo financing is available for properties above that ceiling, particularly in premium pockets near Canyon Creek. FHA loans up to $617,400 serve buyers in entry-level segments and those with thinner down payments. VA loans match the $806,500 county limit and are a strong fit given the number of veterans and active-duty personnel in the DFW corridor. Texas-specific down payment assistance programs can layer on top of FHA or conventional for qualifying buyers.
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 moreRichardson mortgage FAQs
What is the conforming loan limit in Richardson, TX?
Does FHA financing work for homes in Richardson?
Can I use a VA loan to buy in Richardson?
What school district should I ask about when buying in Richardson?
Is Richardson a good city to refinance in right now?
Does working in the Telecom Corridor affect my mortgage options?
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