Buy Your Highland Park Home — We Handle the Mortgage

Highland Park TX luxury mortgage specialist — firsthand Park Cities expertise. Jumbo loans for HPISD buyers, VA zero-down also available. Competitive rates. See your options — no credit check. Patrick Glaros

Get pre-approved in minutes, not days. Local Dallas County expertise with personalized service from application to closing.

Ultra-Luxury Dallas Enclave

Why Highland Park Appeals to Homebuyers

Highland Park represents the pinnacle of Dallas residential real estate. This exclusive 2.2 square-mile enclave within Dallas is home to approximately 9,000 residents who enjoy tree-lined streets, estate-quality homes, and one of the nation's finest public school districts.

Highland Park ISD consistently ranks #1 in the Dallas-Fort Worth metroplex and among the top districts in Texas. The combination of exceptional academics, small class sizes, and outstanding extracurricular programs makes the district a primary driver of home values and demand.

The walkable Highland Park Village, one of America's first shopping centers, offers world-class retail and dining. The community's central location provides easy access to downtown Dallas, SMU, and major employment centers while maintaining the privacy and exclusivity residents expect. As an SMU alumnus, your loan officer has firsthand knowledge of Highland Park's neighborhoods, school zones, and the lifestyle that makes the Park Cities one of the most sought-after addresses in Texas.

  • Highland Park ISD ranked #1 in DFW metroplex
  • Ultra-luxury homes from $1.5M to $10M+
  • Walkable Highland Park Village shopping
  • Adjacent to SMU campus
  • 3 miles to downtown Dallas

Frequently Asked Questions About Highland Park Home Loans

What is the median home price in Highland Park?

The median home price in Highland Park ranges from $2.5M to $3.3M, with prices up 22.3% year-over-year. This ultra-luxury market features homes from $1.5M to over $10M. Try our Highland Park mortgage calculator to see exact monthly payments including Dallas County property taxes at today's rates.

How long do homes stay on the market in Highland Park?

Highland Park homes currently average 25-42 days on market. Well-priced properties in prime locations often receive multiple offers. A pre-approval letter shows Highland Park sellers you're ready to close quickly — often in as little as 21 days.

What makes Highland Park ISD exceptional?

Highland Park ISD is ranked #1 in the DFW metroplex with a 99% graduation rate, exceptional college placement, National Blue Ribbon Schools, and outstanding athletics programs.

What type of financing is available for Highland Park homes?

Jumbo financing is available for loan amounts above $832,750. For standard jumbo up to $3.5M, programs start with as little as 10% down and 700+ FICO. For super-jumbo loan amounts above $5M, a minimum 35% down payment (65% LTV) and 700+ FICO are required, along with 30 months of PITIA reserves — this is a highly case-by-case qualification tier. Interest-only jumbo programs are available up to $3.5M for buyers who prefer payment flexibility. For self-employed buyers, 12-month bank statement programs are available up to $3.5M with as little as 10% down. Veterans with full entitlement qualify for VA Jumbo with zero down payment and no loan limit — a powerful option even at Highland Park price points. DSCR financing is also available for Highland Park investment properties up to $3M. Get pre-approved in about 15 minutes to see which programs fit your situation.

What are property taxes like in Highland Park?

Highland Park properties are subject to Highland Park ISD taxes along with Dallas County and Town of Highland Park rates. Effective rates are approximately 1.9-2.1% due to high property values. Our calculator automatically applies Dallas County rates so you can compare true costs across Highland Park neighborhoods.

Do I need a jumbo loan to buy in Highland Park?

Yes — with a median home price of $2.9M, virtually all Highland Park purchases require jumbo financing. For standard jumbo up to $3.5M, options include as little as 10% down with 700+ FICO. Interest-only programs are available up to $3.5M for buyers who want lower initial payments. For super-jumbo loan amounts above $5M, the requirements step up significantly: a minimum 35% down payment (65% LTV), 700+ FICO, and 30 months of PITIA reserves — qualification at this tier is highly individualized. Self-employed buyers can qualify through bank statement programs up to $3.5M. Veterans with full entitlement can use VA Jumbo at any price point with zero down and no loan limit. Start with a free pre-approval to see exactly what programs and terms apply to your specific purchase price.

What credit score do I need to buy a home in Highland Park?

Highland Park's jumbo market uses tiered FICO requirements. For standard jumbo up to $5M: at 80% LTV (20% down), programs start from 680+ FICO; at 85% LTV (15% down), 700+ FICO is required; at 90% LTV (10% down), 740+ FICO. For super-jumbo above $5M, the floor rises to 700+ FICO with a minimum 35% down payment. Self-employed buyers have additional paths: bank statement programs from 620+ FICO and asset qualifier options for high-net-worth borrowers. VA Jumbo loans require just 550 minimum FICO regardless of loan amount. Get pre-approved in about 15 minutes to see exactly which programs and rates you qualify for.

How do I get pre-approved for a home loan in Highland Park?

Highland Park homebuyers can get pre-approved in about 15 minutes online — no hard credit pull for the initial consultation. Pre-approval shows sellers you're a serious buyer and can help you close in as little as 21 days. You'll know exactly which loan programs fit your situation, whether that's conventional, FHA, VA, or jumbo financing in Dallas County. Start your free pre-approval today to shop Highland Park neighborhoods with confidence.

Why work with a Park Cities mortgage lender who knows Highland Park?

Working with an SMU graduate who knows the Park Cities firsthand means you get a lender who understands Highland Park's neighborhood dynamics, HPISD school zone boundaries, and the nuances of jumbo financing at ultra-luxury price points. That local knowledge translates into accurate property tax estimates, faster appraisal coordination, and financing strategies designed specifically for Highland Park's estate-level market.

Highland Park Housing Market Overview

The Highland Park, TX real estate market offers diverse opportunities for homebuyers in Dallas County.

  • Median Home Price in Highland Park: $2,900,000
  • Year-over-Year Price Change: +22.3%
  • Average Days on Market: 34 days
  • County: Dallas County, Texas

Highland Park Neighborhoods by Price Range

Explore Highland Park neighborhoods organized by home price to find the perfect fit for your budget.

Entry Luxury Homes ($1,500,000 - $2,500,000)

  • Highland Park Entry Properties - Homes from $1,500,000 to $2,500,000

Mid Luxury Homes ($2,500,000 - $4,000,000)

  • Traditional Highland Park - Homes from $2,500,000 to $4,000,000

Ultra-Luxury Homes ($4,000,000 - $10,000,000+)

  • Highland Park Estates - Homes from $4,000,000 to $10,000,000

School Districts in Highland Park

Highland Park is served by highly-rated school districts, making it ideal for families.

  • Highland Park ISD - A+

Major Employers Near Highland Park

Convenient commutes to major employment centers make Highland Park an attractive location for professionals.

  • Downtown Dallas (10 min)
  • Uptown Dallas (5 min)
  • SMU campus (adjacent)
  • Preston Center (5 min)
  • North Dallas (15 min)

Why Buy a Home in Highland Park?

  • #1 Schools: Highland Park ISD ranked #1 in DFW with 99% graduation rate and exceptional academics.
  • Ultra-Luxury: Estate homes with exceptional architecture, mature landscaping, and premium finishes.
  • Highland Park Village: Walkable world-class shopping and dining at historic Highland Park Village.
  • Central Location: 3 miles to downtown Dallas with easy access to major employment centers.
  • SMU Adjacent: Adjacent to Southern Methodist University campus and cultural amenities.
  • Prestige Address: One of the most prestigious addresses in Texas with exceptional property values.

Mortgage Options for Highland Park Homebuyers

Find the right financing for your Highland Park home purchase in Dallas County with these mortgage programs:

  • Jumbo Loans: Financing for properties exceeding the $832,750 conforming limit. Competitive rates for qualified borrowers with 700+ credit scores and 10-20% down.
  • VA Loans: Zero down payment for eligible veterans, active-duty military, and surviving spouses. No PMI and competitive rates — no loan limit with full entitlement.
  • Conventional Loans: Fixed-rate and adjustable-rate mortgages with as little as 3% down. Homes above the $832,750 conforming limit may require jumbo financing.
  • Construction Loans: Interim construction financing for custom home builds with two-time close and construction-to-permanent takeout options.
  • DSCR Loans: Investment property financing qualifying on rental income, not personal income. 20-25% down payment.
  • Non-QM Loans: Bank statement, asset-based, and alternative income documentation for self-employed borrowers.
  • Texas VLB Loans: Texas Veterans Land Board home loans for veterans and active-duty military with below-market rates.
  • Home Refinancing: Rate-and-term, cash-out, and streamline refinance options for current Highland Park homeowners.

The 2026 conforming loan limit for Dallas County is $832,750. VA-eligible buyers have no loan limit with full entitlement. Use our mortgage calculator to see current rates and payment estimates for Highland Park.

Try our interactive Highland Park calculators: Payment Calculator, Affordability Calculator, and Buydown Calculator — all pre-loaded with Dallas County tax rates and live PMMS interest rates.

What You Need to Afford a Highland Park Home

Based on Highland Park's median home price of $2,900,000:

  • 3% down (Conventional first-time): $87,000 down payment
  • 3.5% down (FHA): $101,500 down payment
  • 5% down (Conventional): $145,000 down payment
  • 10% down: $290,000 down payment
  • 20% down (no PMI): $580,000 down payment
  • VA Loan: $0 down payment for eligible veterans
  • Estimated monthly P&I (20% down, 30yr): ~$14,664/month (plus taxes, insurance, HOA)

Seller-paid temporary buydowns (2-1 or 3-2-1) can reduce your Highland Park mortgage payment by $400–$900/month in the early years. Try our Buydown Calculator to compare options with your specific home price.

Dallas County Property Tax Data

Our Highland Park calculators use verified property tax rates from the Dallas County Appraisal District — not generic estimates or national averages. Texas has no state income tax, making accurate property tax calculations essential for budgeting.

  • Data Source: Dallas County Appraisal District official rates
  • Coverage: Tax rates broken down by city, school district, and special districts
  • MUD/PID: Municipal Utility Districts and Public Improvement Districts included where applicable
  • Exemptions: Homestead exemption ($100,000 school district exemption), over-65, disability, and veteran exemptions supported
  • Updates: Rates verified and updated annually from County Appraisal District sources

Property taxes in Dallas County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in Highland Park.

Contact Your Highland Park Mortgage Expert

Patrick Glaros

Producing Branch Manager

Directions Home Loan

NMLS #308804

Phone: (469) 399-2411

Email: pglaros@directionshomeloan.com

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Get pre-approved for jumbo financing — competitive rates for Highland Park homes above $832,750. VA-eligible buyers: zero down with no loan limit.

SMU Graduate & Park Cities Expert: Patrick Glaros is an SMU alumnus with firsthand knowledge of the Park Cities community, HPISD school zones, and the luxury market dynamics that define Highland Park. That local expertise means better jumbo financing guidance, accurate property valuations, and a smoother path from pre-approval to closing.

Ready to buy in Highland Park? Contact Patrick Glaros for personalized mortgage guidance and competitive rates.

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