Loan Programs | Mortgage Broker in Plano, TX

Plano Mortgage Broker · Loan Programs

Fifteen ways home. One broker shopping all of them.

Banks sell you what's on their shelf. As an independent mortgage broker in Plano, TX, we shop 50+ loan programs and match the loan to your plan — buying, investing, or putting that equity to work. Tap a card to dig in.

Helping buyers and homeowners across Plano, Frisco, McKinney, Allen, Richardson & The Colony

Buy

First-Time Buyers

Your first keys, minus the panic.

Low down payment options, down payment assistance, and a plain-English guide through every step. Not-quite-perfect credit is welcome here.

Explore First-Time Buyers

Buy

Conventional Loans

The classic. Still undefeated.

The most popular way to buy in North Texas. Low down payment options for qualified buyers, and mortgage insurance that can come off as your equity grows.

Explore Conventional

Buy

FHA Loans

Low down. Flexible credit.

Stop paying your landlord's mortgage. As little as 3.5% down with forgiving credit guidelines — first-timers and repeat buyers welcome.

Explore FHA

Buy

VA Loans

You earned it. Use it.

Zero down and no monthly PMI for eligible veterans, active-duty service members, and surviving spouses. Don't leave this benefit on the table.

Explore VA

Buy

USDA Loans

100% financing. Yes, really.

No down payment for eligible homes in qualifying North Texas areas. Eligibility maps shrink as suburbs grow — worth checking before your dream area graduates.

Explore USDA

Buy

Jumbo Loans

Big house? Bigger options.

Financing above conventional loan limits for luxury and high-value North Texas homes, with flexible underwriting and purchase or refi options.

Explore Jumbo

Buy

Construction Loans

Build it from the dirt up.

Construction-to-permanent financing with one closing and flexible draw schedules — so the only thing slowing your build is choosing countertops.

Explore Construction

Buy

Self-Employed Loans

Your tax return undersells you.

Bank statement, 1099, P&L and asset-based options that qualify you on real cash flow, not on what your write-offs left behind.

Explore Self-Employed

Buy

Bridge Loans

Buy first. Sell second.

Tap the equity in your current home to buy the next one before it sells, so you can make a strong offer with no sale contingency.

Explore Bridge Loans

Invest

DSCR Loans

Qualify on rent, not tax returns.

The go-to tool for investors buying single-family rentals, short-term rentals, or small multifamily. The property's income does the talking.

Explore DSCR

Invest

Fix & Flip Loans

Idle cash never flipped a house.

Fast, asset-based funding for fix-and-flip, BRRRR, and value-add projects. New and seasoned investors welcome — the deal won't wait, and neither do we.

Explore Fix & Flip

Refi

Cash-Out Refinance

Your equity isn't a museum piece.

Turn home equity into working capital for upgrades, investments, debt payoff, or life's big-ticket items — with one new loan replacing the old.

Explore Cash-Out

Refi

Debt Consolidation

Five payments walk into a bar…

…and leave as one. Roll credit cards, car loans, and high-rate bills into one lower payment. Cash-out refi, home equity loan, or HELOC — we pick whichever saves you the most.

Explore Debt Consolidation

Equity