Home Loans in Dallas
Dallas–Fort Worth is one of the nation's fastest-growing metros. Star Financial helps Dallas buyers and homeowners finance purchases, refinances, and investments.
Dallas market snapshot
- Strong job growth fuels steady housing demand.
- Wide range of price points across the metroplex.
- Active investor and new-construction market.
Homebuyer information
- Texas down payment assistance can help eligible buyers.
- FHA and conventional loans are widely used.
- We help plan for higher local property taxes.
Financing options for Dallas buyers & homeowners
FHA Loans
Low down payment, flexible credit — great for first-time buyers.
Conventional Loans
Competitive pricing for borrowers with stronger credit profiles.
VA Loans
$0 down financing for eligible veterans and active-duty service members.
Jumbo Loans
Financing above conforming limits for higher-priced homes.
DSCR Investor Loans
Qualify rental properties on cash flow — no personal income docs.
Bank Statement Loans
For self-employed borrowers who qualify on deposits, not tax returns.
HELOC & Cash-Out
Tap your equity for renovations, debt consolidation, or investments.
Down Payment Assistance
Programs that may help cover down payment and closing costs.
Dallas home loan FAQs
What credit score do I need for a home loan in Dallas?
Many Dallas buyers qualify with a 580+ score on FHA programs, while conventional loans typically reward 620+ with better pricing. Star Financial reviews your full profile, not just the score.
How much down payment is required in Dallas?
Down payments can be as low as 3.5% on FHA and 3% on some conventional programs. VA-eligible borrowers may qualify for $0 down. Down payment assistance may also be available.
How long does mortgage approval take in Dallas?
As a direct lender with in-house underwriting and funding, Star Financial can often issue pre-approvals quickly and close many loans in a few weeks, depending on your scenario.
Can I qualify in Dallas if I'm self-employed?
Yes. We offer bank statement, 1099, and profit-and-loss programs designed for self-employed borrowers who may not show full income on tax returns.
Is Star Financial licensed to lend in Dallas?
Yes. Star Financial (NMLS #1429) is licensed to originate mortgages in Dallas and across CA, TX, FL, CO, AZ, and ID.
Star Financial (NMLS #1429) is a licensed direct mortgage lender serving Dallas, TX and the surrounding Texas area.
Get pre-approved in Dallas
Connect with a licensed Star Financial loan officer for a fast, no-obligation review.
Licensed in CA, TX, FL, CO, AZ & ID · NMLS #1429