Best Mortgage Lenders in McKinney, TX

FHA loans are intended for people with less-than-perfect credit and first-time homeowners. Backed by the Federal Housing Administration, these loans offer lower down payments and more relaxed qualification criteria, making them an excellent choice for many Plano residents seeking affordable housing options.

For military veterans, active-duty service members, and their families, VA loans provide outstanding benefits. With no down payment, no private mortgage insurance (PMI), and competitive interest rates, VA loans help you secure homeownership in Plano, TX, without the financial burden.

Ideal for those looking to buy homes in rural or suburban areas around Plano, USDA loans offer 100% financing with no down payment required. These government-backed loans come with attractive interest rates and low monthly payments, making homeownership affordable for many families outside of Plano’s urban center.

Plano’s upscale neighborhoods offer some of the finest properties, and a jumbo loan could be the perfect way to finance your dream home. Jumbo loans are designed for higher-value properties that exceed conventional loan limits. With customized rates and flexible terms, these loans make purchasing luxury homes in Plano both feasible and efficient.

Conventional loans in Plano, TX, offer a flexible and reliable option for homebuyers with a solid credit history and stable income. These loans come with competitive interest rates and terms, allowing you to secure your dream home with predictable payments. Whether you're upgrading your property or purchasing an investment home, conventional loans provide the financial freedom you need.

For Plano’s first-time homebuyers, we offer specialized loan programs that simplify the homebuying experience. With lower down payments, reduced closing costs, and easy qualification requirements, these loans help you step into homeownership with confidence and security, backed by expert guidance every step of the way.