What mortgage rates are available in Frisco TX?

Frisco mortgage rates vary by loan type, credit profile, and down payment. We offer competitive rates across conventional, FHA, VA, and jumbo programs — get a free rate quote in about 15 minutes with no obligation and no hard credit pull for the initial consultation.

What down payment do I need to buy a home in Frisco TX?

Frisco home buyers have flexible options: 0% down with VA loans, 3% down with conventional loans ($12,000 on a $400,000 home), or 3.5% down with FHA loans. Texas down payment assistance programs like TSAHC can provide grants up to 5% of the loan amount to help cover your down payment and closing costs.

Which loan types work best for Frisco home purchases?

Frisco's median home price of $400,000 falls within both FHA and conforming loan limits, giving you the widest range of options: FHA loans from 3.5% down ($14,000) with credit scores as low as 550, conventional loans from 3% down ($12,000) with scores of 600+, and VA loans with zero down for eligible veterans. All major loan types are available for most Frisco purchases.

What is the FHA loan limit in Frisco, TX?

The 2026 FHA loan limit in Frisco (DFW MSA) is $563,500 for a single-family home — well above Frisco's median home price of $400,000. That means FHA financing is available for virtually all standard Frisco home purchases, with as little as 3.5% down and credit scores starting at 580 (or 550 with 10% down). The conforming loan limit for conventional loans is $832,750, also far above the typical Frisco purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in Frisco, TX?

The 2026 conforming loan limit is $832,750 for Frisco and the entire DFW metro. Conventional loans up to this amount qualify for competitive interest rates, require only 3% down for first-time buyers, and avoid the FHA mortgage insurance premium structure. At Frisco's median price of $400,000, conventional financing easily covers all typical Frisco purchases. The FHA loan limit in Frisco is also $563,500 — both limits are well above the median, giving buyers flexibility to choose the program that fits their financial profile.

What credit score do I need to buy a home in Frisco, TX?

Credit score requirements vary by loan program for Frisco homebuyers: FHA loans require 580+ for 3.5% down ($14,000 on the median Frisco home) or 550+ with 10% down. Conventional loans need 600+ with AUS approval (620+ for manually underwritten loans) and offer as little as 3% down ($12,000). VA loans have no VA-mandated minimum — our company minimum is 550. Jumbo loans (above $832,750) typically require 700+. Even with lower scores, Non-QM options starting at 620+ may be available. We can review your credit profile and match you with the best program — get a free pre-approval to see your options.

How much home can I afford in Frisco, Texas?

Based on Frisco's median home price of $400,000, a typical monthly payment with 20% down ($80,000) would be approximately $2,023/month including principal, interest, Collin County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($12,000) on conventional or 3.5% ($14,000) on FHA loans, though monthly payments will be higher with mortgage insurance. Our Frisco mortgage calculator factors in exact Collin County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in Frisco, Collin County?

Property tax rates in Frisco vary by school district and special taxing districts within Collin County, typically ranging from 1.8% to 2.8% of assessed value. On a $400,000 home, that's roughly $733/month in property taxes. Texas has no state income tax, which partially offsets the higher property taxes. Some areas may include MUD (Municipal Utility District) or PID (Public Improvement District) fees. Our Frisco calculator uses verified rates from the Collin County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in Frisco?

Frisco homebuyers in Collin County can access TSAHC (Texas State Affordable Housing Corporation) down payment assistance through two options: (1) a DPA Grant of 2-5% of the loan amount, forgiven after just 6 months — available with FHA, VA, or USDA loans, minimum 620 FICO; (2) a 3-Year Deferred Forgivable Second Lien of 2-5% at 0% interest, forgiven on the 3rd anniversary — available with all loan types including HFA Conventional, minimum 620-640 FICO. The Collin County income limit is $146,625 (Non-Bond DPA). First-time homebuyer status is NOT required for Non-Bond DPA. Teachers, veterans, police, firefighters, EMS, and corrections officers may qualify for the Homes for Texas Heroes program. FHA loans require just 3.5% down ($14,000 on a $400,000 home), and VA loans offer zero-down financing. Get pre-approved to see which DPA programs you qualify for.

How long does it take to close on a home in Frisco?

Our average closing time for Frisco home purchases is 21 days from contract to keys, compared to the industry average of 45+ days. This speed advantage makes your offer more competitive with Frisco sellers. Pre-approved buyers often close even faster since appraisal and underwriting begin immediately. We coordinate directly with Collin County title companies and appraisers to prevent delays. Getting pre-approved before house hunting puts you in the strongest position.

What's the first step to buying a home in Frisco?

The first step is getting pre-approved — it's free, takes about 15 minutes, and gives you a clear picture of your Frisco home buying budget. Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer in competitive Collin County neighborhoods. You'll know exactly which loan programs you qualify for (conventional, FHA, VA, or jumbo), your maximum purchase price, and estimated monthly payment including Collin County taxes. Start your free pre-approval online or call us to discuss your Frisco home buying goals.

Frisco TX Home Loans | FHA, VA, Conventional & Jumbo

<div style="max-width:1200px;margin:0 auto;padding:20px;font-family:system-ui,sans-serif;" role="main" aria-label="Frisco mortgage information"> <nav style="font-size:14px;color:#718096;margin-bottom:20px;" aria-label="Breadcrumb"> <a style="color:#2563eb;" href="https://www.patrickglaros.com">Home</a> > <a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Cities</a> > <span>Frisco</span> </nav> <main> <article> <header> <h1 style="color:#1a365d;margin-bottom:10px;font-size:2rem;">Buy Your Frisco Home — We Handle the Mortgage</h1> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Buy or refi in Frisco TX — local expert for new construction & resale. FHA, VA & jumbo at competitive rates. 21-day average close. See your options — no credit check. Patrick Glaros</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Get pre-approved in minutes, not days. Local Collin County expertise with personalized service from application to closing.</p> </header> <p style="color:#2563eb;font-size:1.1rem;font-weight:600;margin:15px 0;">Sports City USA - Top 10 City to Move To</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Frisco Appeals to Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Frisco has earned national recognition as one of the top 10 cities to move to in 2026, driven by exceptional schools, robust job growth, and carefully planned development. The city offers a unique combination of suburban comfort and urban amenities, with the PGA of America headquarters, major corporate employers, and Sports City USA attractions.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Frisco Independent School District ranks #11 among Texas school districts (Niche 2026), with many schools earning exemplary ratings and college readiness programs. For families prioritizing education, this academic excellence combined with strong property values creates exceptional long-term value.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Frisco nears build-out with only 16% of land remaining undeveloped, making strategic homeownership increasingly important for those looking to establish long-term equity in this premium market.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>PGA of America headquarters and championship golf courses</li> <li>Frisco ISD ranked #11 in Texas with 98.8% graduation rate</li> <li>Dallas Cowboys World Headquarters and practice facility</li> <li>Top 10 city to move to in America (2026)</li> <li>Only 16% undeveloped land - approaching build-out</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frequently Asked Questions About Frisco Home Loans</h2> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What is the median home price in Frisco?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The median home price in Frisco is currently competitive pricing, with prices changing steadily year-over-year. Frisco represents one of DFW's highest price points - nearly double the regional average. At the median price of $600,000, conventional down payments start at $18,000 (3%), while FHA requires $21,000 (3.5%).</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How long do homes stay on the market in Frisco?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Frisco homes currently average 30 days on market, a significant change from pandemic-era rapid turnover. Current balanced conditions create opportunities for strategic negotiation. Pre-approved buyers can move quickly and close in as little as 21 days when the right home appears.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What makes Frisco schools exceptional?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Frisco ISD ranks #11 among Texas school districts with a 98.8% graduation rate. Multiple high schools rank in Texas's top 100, with strong AP, dual-credit, and STEM programs. Our deep familiarity with Collin and Denton County school boundaries helps buyers target the right attendance zones.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">Is Frisco a good investment?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">With only 16% of land remaining undeveloped, Frisco is approaching build-out. Limited new inventory combined with continued demand supports strong long-term property values. A pre-approval letter gives you a competitive edge when making offers in this high-demand market.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are property taxes like in Frisco?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Frisco property taxes range from 2.0% to 2.3% depending on location. Premium services and exceptional schools justify rates. Texas has no state income tax, offsetting property tax costs. Use our Frisco mortgage calculator to see how taxes, insurance, and your loan amount combine into one monthly payment.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How do I get pre-approved for a home loan in Frisco?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Getting pre-approved for a Frisco home loan takes about 15 minutes online. You'll need basic income and asset information — no hard credit pull for the initial consultation. Pre-approval shows Frisco sellers you're a serious, qualified buyer and can help you close in as little as 21 days. With pre-approval, you'll know exactly which loan programs fit your situation, whether that's conventional, FHA, VA, or jumbo financing in Collin and Denton County. Start your free pre-approval today to shop Frisco neighborhoods with confidence.</p> </details> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frisco Neighborhoods by Price Range</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Explore Frisco neighborhoods organized by home price to find the perfect fit for your budget.</p> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Entry-Level Homes (Under $400,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Ridgeview Ranch</strong> - Homes from $350,000 to $450,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Mid-Market to Upper-Mid Homes ($400,000 - $700,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Stonewater Crossing</strong> - Homes from $400,000 to $550,000</li> <li><strong>Cypress Creek</strong> - Homes from $400,000 to $500,000</li> <li><strong>Prairie View</strong> - Homes from $400,000 to $550,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Upper-Mid to Luxury Homes ($700,000 - $1,200,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Phillips Creek Ranch</strong> - Homes from $750,000 to $2,500,000</li> <li><strong>Country Club Ridge</strong> - Homes from $550,000 to $900,000</li> <li><strong>Chapel Creek</strong> - Homes from $750,000 to $1,500,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Luxury Market Homes ($1,200,000+)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Starwood</strong> - Homes from $500,000 to $2,500,000</li> <li><a style="color:#2563eb;font-weight:bold;" href="https://www.patrickglaros.com/neighborhoods/stonebriar">Stonebriar</a> - Homes from $700,000 to $1,800,000</li> <li><strong>Newman Village</strong> - Homes from $600,000 to $2,300,000</li> </ul> </div> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">School Districts in Frisco</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Frisco is served by highly-rated school districts, making it ideal for families.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Frisco ISD</strong> - A+</li> <li><strong>Prosper ISD</strong> - A+</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Major Employers Near Frisco</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Convenient commutes to major employment centers make Frisco an attractive location for professionals.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Frisco Square</li> <li>Hall Park</li> <li>The Star - Cowboys World HQ</li> <li>Stonebriar Centre Area</li> <li>Dallas North Tollway Corridor</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Buy a Home in Frisco?</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Elite Schools:</strong> Frisco ISD #11 in Texas, 98.8% graduation rate, multiple nationally-ranked high schools.</li> <li><strong>Sports City USA:</strong> Dallas Cowboys HQ, FC Dallas, PGA of America, Frisco RoughRiders - premier sports access.</li> <li><strong>Limited Supply:</strong> Only 16% undeveloped land remaining - scarcity supports long-term property values.</li> <li><strong>Corporate Growth:</strong> Major employers relocating to Frisco including corporate headquarters and tech firms.</li> <li><strong>Master-Planned:</strong> Carefully planned development with trails, parks, and premium amenities throughout.</li> <li><strong>Recognition:</strong> Consistently ranked among top 10 cities to move to in America.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Mortgage Options for Frisco Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Find the right financing for your Frisco home purchase in Collin County with these mortgage programs:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>FHA Loans</strong>: Government-backed loans with 3.5% down and flexible credit requirements starting at 550 FICO. Most Frisco homes fall within the $563,500 DFW FHA loan limit.</li> <li><strong>VA Loans</strong>: Zero down payment for eligible veterans, active-duty military, and surviving spouses. No PMI and competitive rates — no loan limit with full entitlement.</li> <li><strong>Conventional Loans</strong>: Fixed-rate and adjustable-rate mortgages with as little as 3% down. Frisco homes up to $832,750 qualify for conforming loan rates.</li> <li><strong>Jumbo Loans</strong>: Financing for properties exceeding the $832,750 conforming limit. Competitive rates for qualified borrowers with 700+ credit scores and 10-20% down.</li> <li><strong>DSCR Loans</strong>: Investment property financing qualifying on rental income, not personal income. 20-25% down payment.</li> <li><strong>Construction Loans</strong>: Interim construction financing for custom home builds with two-time close and construction-to-permanent takeout options.</li> <li><strong>Texas VLB Loans</strong>: Texas Veterans Land Board home loans for veterans and active-duty military with below-market rates.</li> <li><strong>Non-QM Loans</strong>: Bank statement, asset-based, and alternative income documentation for self-employed borrowers.</li> <li><strong>Home Refinancing</strong>: Rate-and-term, cash-out, and streamline refinance options for current Frisco homeowners.</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The 2026 conforming loan limit for Collin County is $832,750. VA-eligible buyers have no loan limit with full entitlement. <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Use our mortgage calculator</a> to see current rates and payment estimates for Frisco.</p> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Try our interactive Frisco calculators: <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Payment Calculator</a>, <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a>, and <a style="color:#2563eb;" href="https://www.patrickglaros.com/frisco-home-loans#calculators">Buydown Calculator</a> — all pre-loaded with Collin County tax rates and live PMMS interest rates.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Seller-paid temporary buydowns (2-1 or 3-2-1) can reduce your Frisco mortgage payment by $400–$900/month in the early years. <a style="color:#2563eb;" href="https://www.patrickglaros.com/frisco-home-loans#calculators">Try our Buydown Calculator</a> to compare options with your specific home price.</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Collin County Property Tax Data</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Our Frisco calculators use verified property tax rates from the Collin County Appraisal District — not generic estimates or national averages. Texas has no state income tax, making accurate property tax calculations essential for budgeting.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Data Source:</strong> Collin County Appraisal District official rates</li> <li><strong>Coverage:</strong> Tax rates broken down by city, school district, and special districts</li> <li><strong>MUD/PID:</strong> Municipal Utility Districts and Public Improvement Districts included where applicable</li> <li><strong>Exemptions:</strong> Homestead exemption ($100,000 school district exemption), over-65, disability, and veteran exemptions supported</li> <li><strong>Updates:</strong> Rates verified and updated annually from County Appraisal District sources</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Property taxes in Collin County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in Frisco.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Contact Your Frisco Mortgage Expert</h2> <address style="font-style:normal;background:#f7fafc;padding:20px;border-radius:8px;margin-top:20px;"> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><strong>Patrick Glaros</strong></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Producing Branch Manager</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Directions Home Loan</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">NMLS #308804</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Phone: <a style="color:#2563eb;" href="tel:(469) 399-2411">(469) 399-2411</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Email: <a style="color:#2563eb;" href="mailto:pglaros@directionshomeloan.com">pglaros@directionshomeloan.com</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><a style="color:#2563eb;" href="https://www.google.com/maps?cid=18250188646545171064" rel="noopener">View on Google Maps</a> · 5.0 star rating on Google Reviews</p> </address> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">FHA, VA, and conventional loans available for Frisco — find the best fit for your budget. Free pre-approval in 15 minutes.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Ready to buy in Frisco? Contact Patrick Glaros for personalized mortgage guidance and competitive rates.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">More Collin County Cities</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/plano-home-loans">Plano Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/celina-home-loans">Celina Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/prosper-home-loans">Prosper Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/allen-home-loans">Allen Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/mckinney-home-loans">McKinney Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/murphy-home-loans">Murphy Home Loans</a></li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Explore More</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Browse all DFW cities →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/neighborhoods">Explore DFW neighborhoods →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Mortgage Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/refinance-calculator">Refinance Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/dscr-calculator">DSCR Calculator</a></li> </ul> </section> </article> </main> </div>