Mortgage broker in Southlake, 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
Southlake mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $617,400
- Tarrant County
- Population
- 32,000
- 2024
Mortgages, built around Southlake.
Southlake is one of the Dallas-Fort Worth Metroplex's most established high-end communities, known for the Carroll Independent School District and a walkable Town Square that keeps demand consistently strong. Buyers here aren't shopping for starter homes — they're financing properties that often clear seven figures. Q Mortgage (NMLS #2567464) works with Southlake buyers who need a broker that understands jumbo lending, not just conventional checkboxes.
How much home can you afford in Southlake?
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 Southlake market in context.
Southlake sits in Tarrant County, and home prices here routinely push well past the 2025 conforming loan limit of $806,500. That means a large share of purchases fall into jumbo territory from the start. The buyer profile skews toward dual-income households and corporate relocators drawn by proximity to major DFW employers and the Carroll ISD reputation. Entry-level inventory is limited, and even townhomes in Southlake can approach or exceed the FHA single-family limit of $617,400, making government-backed programs a better fit for buyers targeting neighboring communities than for most Southlake transactions. This is a move-up and luxury market, and financing strategy has to match that reality.
Every loan program we close, available across Dallas-Fort Worth.
Because most Southlake properties exceed the $806,500 conforming ceiling, jumbo loans are the primary tool here. For buyers who do find a property at or under that threshold, conventional financing with strong Tarrant County loan limits is a clean option. VA loans up to $806,500 are available for eligible veterans and active-duty borrowers with no down payment requirement up to that limit — a meaningful benefit even in a high-price market. FHA financing at Tarrant County's $617,400 limit can work for buyers targeting lower price points or those making larger down payments to bridge the gap. Q Mortgage structures each scenario around the actual purchase price, not a one-size approach.
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 moreSouthlake mortgage FAQs
What loan limit applies to Southlake home purchases in Tarrant County?
Do most Southlake buyers need a jumbo loan?
Can I use a VA loan to buy a home in Southlake?
Is FHA financing a realistic option for Southlake?
Does Q Mortgage work with buyers relocating to Southlake for work?
Can I refinance a jumbo loan on my Southlake home through Q Mortgage?
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