The Best Mortgage Lenders in Irving, TX
Compare verified mortgage lenders serving Irving, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Irving
Featured Mortgage Lenders
Chris McCall
CrossCountry Mortgage, LLC - Irving
CrossCountry Mortgage's Irving branch, led by experienced loan officer Chris McCall, maintains exceptional 4.9-star ratings across multiple platforms. They specialize in personalized mortgage solutions with competitive rates and have built a strong reputation for their expertise in conventional, FHA, and VA loans. Their local team provides comprehensive guidance through the entire mortgage process, from pre-approval to closing, with particular strength in serving first-time homebuyers and military families in the DFW area.
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Guild Mortgage - Dallas
Guild Mortgage Company
Guild Mortgage's Dallas location serves the entire Irving market with outstanding 4.8-star customer ratings. With over 60 years in business nationally and nearly two decades serving DFW, they offer exceptional expertise in government-backed loans and specialized programs. Their team is particularly noted for handling complex financing scenarios and providing educational resources that help borrowers make informed decisions. They consistently receive praise for their responsive communication and smooth closing processes.
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NBKC Bank
NBKC Bank
While headquartered in Kansas City, NBKC Bank serves Irving homeowners with exceptional digital mortgage services and consistently ranks among the nation's top mortgage lenders for customer satisfaction. They maintain 4.7-star ratings across thousands of reviews and are particularly praised for their competitive rates, low fees, and streamlined online application process. Their extensive experience with VA loans makes them a top choice for military families, while their efficient conventional and jumbo loan programs appeal to a wide range of Irving homebuyers seeking value and convenience.
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Frequently Asked Questions
Common questions about mortgage lending in Irving, TX
Are there any special first-time homebuyer programs available specifically for Irving, TX?
Yes, the Texas Department of Housing and Community Affairs (TDHCA) offers the My First Texas Home program, which provides down payment assistance and competitive mortgage rates for eligible first-time buyers in Irving. Additionally, the City of Irving itself periodically offers local grant programs; checking with the Irving Housing and Human Services Department is recommended for the most current offerings.
How do property taxes in Irving impact my monthly mortgage payment and loan qualification?
Irving is located in Dallas County, which has relatively high property tax rates compared to the national average. Lenders will calculate your debt-to-income ratio using the estimated monthly tax escrow, which can significantly affect how much home you can qualify for. It's crucial to budget for this, as taxes on a $400,000 home in Irving can easily exceed $8,000 annually.
What is the typical down payment required for a conventional loan in Irving's competitive market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Irving successfully purchase with 3%, 5%, or 10% down, especially with strong credit. Given the competitive nature of the market, a higher down payment can make your offer more attractive to sellers, but numerous loan programs exist to help with lower down payments.
Does living in a DFW flood zone affect my mortgage process for an Irving home?
Yes, if the property is located in a designated Special Flood Hazard Area (SFHA), your lender will require flood insurance as a condition of the loan. Parts of Irving, especially near the Trinity River and its tributaries, are in flood zones. This mandatory insurance will be included in your monthly escrow payment, adding to your housing costs.
Are jumbo loans common in Irving, and how do their requirements differ?
Jumbo loans are quite common in Irving, particularly for homes in desirable areas like Las Colinas or homes above the 2024 conforming loan limit of $766,550. Requirements are stricter, typically requiring excellent credit (often 700+), a larger down payment (usually 10-20%), and more substantial cash reserves (often 6-12 months of payments) compared to conventional loans.
Why Choose a Mortgage Lender in Irving?
Local Market Knowledge
Lenders who understand Irving's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Irving and get competitive rates on your home loan.