Find trusted Dallas mortgage lenders, compare rates, and get matched with the perfect mortgage company for your home financing needs.
Filter by loan type, neighborhood, or lender specialties to find the best mortgage companies in Dallas for your needs.
Discover the best mortgage lenders Dallas has to offer. Each company has been carefully vetted for service quality, competitive rates, and customer satisfaction.
Leading Dallas mortgage lender specializing in conventional, FHA, and VA loans. Serving Dallas County homebuyers since 2010 with competitive rates and exceptional service.
5600 Ross Avenue, Dallas, TX 75206
(214) 555-0101
Full-service mortgage broker with expertise in first-time homebuyer programs and Dallas-specific down payment assistance options.
2100 McKinney Avenue, Dallas, TX 75201
(214) 555-0202
Veteran-focused mortgage lender specializing in VA loans and military homebuyer programs throughout the Dallas-Fort Worth metroplex.
8350 N Central Expressway, Dallas, TX 75206
(214) 555-0303
Boutique mortgage firm offering personalized service and access to over 40 lenders. Specialists in jumbo loans and luxury properties in Highland Park and University Park.
4099 McEwen Drive, Dallas, TX 75244
(214) 555-0404
Community-focused mortgage company with deep Dallas roots. Known for fast closings and competitive refinance rates for existing Dallas homeowners.
1950 N Stemmons Freeway, Dallas, TX 75207
(214) 555-0505
Full-service mortgage broker serving all Dallas neighborhoods with expertise in FHA 203(k) renovation loans and new construction financing.
3102 Oak Lawn Avenue, Dallas, TX 75219
(214) 555-0606
Working with Dallas-based mortgage lenders offers unique advantages for homebuyers in the Dallas-Fort Worth metroplex. Local expertise makes all the difference in navigating the competitive Dallas real estate market.
Dallas mortgage companies understand the unique characteristics of neighborhoods from Uptown to Deep Ellum, Bishop Arts to Oak Lawn. They know Dallas County property tax implications, HOA considerations, and local market trends that affect your financing options.
Local lenders compete aggressively for Dallas business, often offering better rates than national chains. They have relationships with local underwriters and can expedite approvals, potentially saving you thousands over the life of your loan.
Dallas mortgage lenders can close loans faster because they're familiar with local appraisers, title companies, and real estate agents. In Dallas's competitive housing market, fast closings can make the difference in winning your dream home.
Meet your loan officer face-to-face at their Dallas office. Local mortgage companies prioritize relationships over transactions, providing dedicated support throughout your homebuying journey and beyond.
Local lenders are experts in Texas-specific and Dallas-area first-time homebuyer programs, down payment assistance options, and property tax exemptions that can make homeownership more affordable.
Established Dallas mortgage companies have years of successful closings in the local market. They've navigated economic cycles, understand Dallas real estate patterns, and maintain strong reputations in the community.
Our directory features mortgage companies experienced in financing homes across all Dallas neighborhoods. Each area has unique characteristics that affect mortgage options and property values.
Uptown is Dallas's most walkable neighborhood, featuring luxury high-rises, trendy restaurants, and proximity to downtown. Mortgage companies specializing in Uptown understand condo financing, high HOA fees, and the premium pricing typical of this vibrant area. Average home prices range from $400,000 to $1.5 million.
Deep Ellum blends historic character with modern development, attracting young professionals and artists. This arts district offers a mix of renovated lofts, new condos, and historic properties. Local lenders understand the unique financing needs for renovation projects and historic properties in this evolving neighborhood.
Bishop Arts in Oak Cliff has become one of Dallas's hottest neighborhoods, known for independent shops, restaurants, and bungalow-style homes. Mortgage lenders familiar with Bishop Arts can help navigate the mix of older homes requiring renovation loans and new construction projects.
These prestigious Park Cities communities feature some of Dallas's most expensive real estate, with excellent schools and established neighborhoods. Jumbo loan specialists in our directory understand the unique requirements for financing luxury properties in these exclusive areas.
Oak Lawn offers a central location with diverse housing options, from mid-century homes to modern townhomes. Its proximity to downtown, medical district, and Uptown makes it popular with professionals. Mortgage lenders know Oak Lawn's varied property types and competitive market conditions.
Lake Highlands provides family-friendly suburban living with excellent schools and affordable options compared to other Dallas areas. Mortgage companies serving Lake Highlands specialize in conventional financing for first-time buyers and growing families seeking value in North Dallas.
Understanding current Dallas real estate market conditions helps you make informed decisions about timing your home purchase and choosing the right mortgage products.
Dallas median home prices have remained steady, offering relative affordability compared to other major metros like Austin and Los Angeles.
Homes in desirable Dallas neighborhoods sell quickly, making mortgage pre-approval essential for competitive offers.
Dallas homes typically sell close to asking price, though competitive neighborhoods may see multiple offers above list price.
Dallas real estate continues appreciating as the metro area attracts new residents and businesses, building long-term equity for homeowners.
The Dallas-Fort Worth metroplex continues to be one of the nation's fastest-growing regions, with major corporations relocating headquarters and bringing thousands of high-paying jobs. This economic growth supports a healthy housing market with steady appreciation.
For mortgage shoppers, Dallas's competitive market means getting pre-approved with a reputable local lender is essential. Sellers favor buyers with local mortgage companies because they trust local lenders to close on time. Many Dallas mortgage companies can provide pre-approval letters within 24 hours and close loans in as little as 21 days.
Dallas County property taxes are an important consideration when calculating affordability. Local mortgage lenders factor in Dallas's tax rates (typically 2-2.5% of assessed value annually) when calculating debt-to-income ratios and helping buyers understand true monthly costs including taxes and insurance.
Interest rates remain historically favorable for homebuyers, though they fluctuate based on economic conditions. The mortgage companies in our directory monitor rates daily and can help you lock in favorable rates when conditions are right. Many offer rate lock periods of 30-60 days to protect your rate during the closing process.
Estimate your monthly mortgage payment for Dallas homes. This calculator includes Dallas County property taxes and typical homeowners insurance costs.
This calculator provides estimates only. Actual monthly payments may vary based on your specific financial situation, credit score, and lender requirements. Contact Dallas mortgage companies in our directory for personalized quotes.
Common questions from Dallas homebuyers about choosing mortgage lenders, qualifying for loans, and the Dallas home financing process.
Most Dallas mortgage companies require a minimum credit score of 620 for conventional loans, though some programs accept lower scores. FHA loans through Dallas lenders may accept scores as low as 580 with a 3.5% down payment, or even 500 with 10% down. VA loans for military members often have no minimum credit score requirement, though individual lenders may set their own minimums. The higher your credit score, the better interest rates Dallas mortgage companies can offer you. If your score needs improvement, many local lenders offer credit counseling to help you qualify.
Down payment requirements vary by loan type and Dallas mortgage lender. Conventional loans typically require 5-20% down, while FHA loans accepted by most Dallas lenders require just 3.5% down. VA loans for veterans require no down payment at all. First-time homebuyers in Dallas may qualify for down payment assistance programs that reduce upfront costs. Many Dallas mortgage companies offer low down payment options, especially for buyers purchasing in targeted Dallas neighborhoods. Higher down payments generally result in better interest rates and lower monthly payments.
Dallas mortgage companies typically close loans in 30-45 days, though experienced local lenders can sometimes close in as little as 21 days. Timeline depends on loan complexity, property type, and appraisal scheduling. Working with established Dallas mortgage lenders can speed the process because they have relationships with local appraisers, title companies, and underwriters. Cash-out refinances and complex loan scenarios may take longer. In Dallas's competitive housing market, sellers often favor buyers working with local mortgage companies known for reliable, fast closings.
Each has advantages. Dallas banks offer convenience if you already have accounts there and may provide relationship discounts. Credit unions in Dallas often have lower rates and fees but stricter membership requirements. Mortgage brokers access multiple lenders, potentially finding you the best Dallas mortgage rates and terms. Brokers are especially valuable for buyers with unique situations or those seeking specialized loans like jumbo mortgages for Highland Park homes or FHA 203(k) renovation loans for Bishop Arts properties. Our directory includes all types of Dallas mortgage companies so you can compare options and choose what's best for your situation.
Dallas mortgage rates fluctuate daily based on economic conditions, Federal Reserve policy, and your individual financial profile. As of 2025, rates for qualified buyers typically range from 6.5% to 7.5% for conventional 30-year fixed mortgages. Your specific rate depends on credit score, down payment, loan type, and property location within Dallas. The mortgage companies in our directory can provide personalized rate quotes based on your situation. Many Dallas lenders offer rate lock options to protect you from increases during the closing process. Visit our Dallas mortgage rates comparison page for current rate information from multiple lenders.
Yes, many Dallas mortgage companies specialize in first-time homebuyer programs. Options include FHA loans with 3.5% down, conventional 97% loans requiring just 3% down, and Texas-specific programs like the My First Texas Home program offering down payment assistance and below-market interest rates. Dallas County and the City of Dallas also offer programs providing grants and forgivable loans for down payment and closing costs. First-time buyers in Dallas should compare programs across multiple lenders to find the best combination of rates, terms, and assistance. Local mortgage companies understand which programs work best for different Dallas neighborhoods and property types. Learn more on our first-time buyer programs page.
Dallas County property taxes significantly impact your total monthly housing costs. Tax rates in Dallas typically range from 2.0% to 2.5% of your home's assessed value annually, among the highest in the nation. On a $375,000 home, expect $7,500-$9,375 in annual property taxes ($625-$781 monthly). Most Dallas mortgage lenders require escrow accounts that collect tax payments with your monthly mortgage payment and pay taxes on your behalf. Property taxes fund excellent Dallas schools, infrastructure, and services. Dallas mortgage companies factor property taxes into debt-to-income calculations when determining how much home you can afford. Some Dallas areas offer homestead exemptions that can reduce your tax burden by $100,000 of assessed value.
Yes, many Dallas mortgage companies offer condo financing for Uptown and other Dallas high-rise communities. Condo financing has additional requirements beyond standard home loans. The condo association must be approved by Fannie Mae, Freddie Mac, or the relevant loan program (FHA, VA). Lenders review the association's financial health, owner-occupancy ratios, and master insurance policies. Uptown Dallas has many warrantable condos that meet conventional loan requirements. Some luxury high-rises may require jumbo loans due to higher price points. Working with Dallas mortgage lenders experienced in condo financing ensures smooth approval. They understand which Uptown buildings are pre-approved and can guide you through the additional documentation required.
Dallas mortgage companies typically require: two years of tax returns, two recent pay stubs, two months of bank statements, employment verification, and government-issued ID. Self-employed buyers need additional business documentation including profit/loss statements and business tax returns. If you're buying in Dallas with gift funds for down payment, lenders need gift letters and proof of transfer. For investment properties in Dallas, lenders may require additional reserves. Gathering documents early speeds the approval process. Many Dallas mortgage companies now offer digital document upload systems for convenience. The specific requirements vary by loan type and lender, but local Dallas mortgage companies in our directory will provide detailed checklists and guide you through documentation requirements.
Absolutely. Many Dallas mortgage lenders specialize in VA loans for veterans, active military, and eligible spouses. VA loans offer exceptional benefits including no down payment, no private mortgage insurance, competitive interest rates, and limited closing costs. Dallas is home to a large military and veteran community, so local lenders have extensive VA loan experience. VA loans can be used for primary residences throughout Dallas County and the surrounding metroplex. Some Dallas mortgage companies dedicate entire teams to VA lending. These specialists understand VA appraisal requirements, occupancy rules, and how to maximize VA loan benefits for Dallas homebuyers. Learn more about VA loan lenders in Dallas.
Compare top-rated mortgage companies in Dallas, get personalized quotes, and connect with local lending experts who understand the Dallas market.