Dallas–Fort Worth home loans
The Dallas–Fort Worth metroplex moves fast. Corporate relocations bring buyers in from out of state every week, and a strong listing in Frisco or Southlake can draw multiple offers in days. Financing that keeps pace is not a luxury here, it is the difference between getting your offer accepted and watching the house go to someone who was ready.
Apex Capital Mortgage works DFW from both sides of the metroplex, Dallas County and Tarrant County, and we structure pre-approvals that listing agents take seriously. Whether you are coming from California for a new job in Plano or moving up from a starter home in Arlington, we set the numbers straight before you write the offer.
Dallas and Tarrant counties
Financing a home in Dallas–Fort Worth
DFW is one of the busiest new-construction markets in the country, and the booming north corridor, Frisco, McKinney, Prosper, and Celina, is full of builder communities that come with their own financing wrinkles. Builder incentives, rate buydowns tied to a preferred lender, and long build timelines all change the math. We help you compare a builder's in-house offer against an outside loan so you know what the incentive is really worth.
On the resale side, the metroplex spans an enormous range, from established Fort Worth neighborhoods to master-planned suburbs north of Dallas. We match the loan to the property and the timeline, and we move quickly when a relocation deadline is bearing down.
Property taxes
Property taxes in the DFW metroplex tend to run on the higher side for Texas, often in the range of roughly 2.1% to 2.4% of value, and the exact rate varies by county, city, school district, and any MUD or PID tied to a newer community. We fold a realistic tax figure into your estimate up front so the monthly payment is not a surprise.
Homeowners insurance
North Texas sees hail and severe storms, which is the main thing carriers price for here, so homeowners insurance and wind or hail deductibles deserve a real quote rather than a guess before you lock in a payment.
Prices across the metroplex cover a wide band, from attainable resale homes in Fort Worth and the mid-cities up to luxury and new-build inventory in the north Dallas suburbs. Run your numbers on our Texas mortgage calculator to see an estimate with tax and insurance built in.
Neighborhoods we lend in around Dallas–Fort Worth
- Frisco
- McKinney
- Prosper
- Plano
- Arlington
- Southlake
Loan programs for Dallas–Fort Worth
The programs that come up most often for buyers here, and why they fit this market.
Conventional
The workhorse loan for DFW move-up buyers and relocating professionals with solid credit.
Jumbo
For higher-priced homes in Southlake, Prosper, and north Dallas that run above the conforming limit.
New-construction financing
Structured for builder communities in Frisco, McKinney, and Celina, with an eye on incentives and timelines.
Dallas–Fort Worth mortgage questions
- Can you finance a new-construction home in a DFW builder community?
- Yes. We finance new builds across the north corridor and the rest of the metroplex, and we will compare a builder's preferred-lender incentive against an Apex loan so you can see the true cost of each, not just the headline rate.
- How fast can I get pre-approved for a competitive DFW offer?
- Once we have your documents, a full pre-approval is usually quick. In a market where strong listings move in days, we make sure your letter is solid enough that a listing agent treats your offer as ready.
- Are DFW property taxes really that high?
- They run higher than many Texas markets, and the rate depends on your county, city, school district, and any MUD or PID. We build a realistic tax estimate into your payment from the start so the number you see is close to the one you will pay.
Ready to see your rate?
Get a real pre-approval from a Texas loan officer who picks up the phone, with no credit-pulling games and no surprises at closing.