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Competitive Home Lending
Home
Mortgage Rates
Home Loans
  • Loan Programs
  • Bridge Loans
  • Construction Loan
  • Conventional Loans
  • FHA
  • HELOC
  • Refinance
  • Reverse Mortgage
  • VA Loan
Mortgage Calculators
  • Closing Costs Calculator
  • Down Payment Calculator
  • Investment Property Calc
  • Lender Credit Calculator
  • More Buying Power Calc
  • Mortgage Recast
  • Temporary Rate Buydown
  • Title Insurance Cost Calc
APPLY NOW
More
  • Home
  • Mortgage Rates
  • Home Loans
    • Loan Programs
    • Bridge Loans
    • Construction Loan
    • Conventional Loans
    • FHA
    • HELOC
    • Refinance
    • Reverse Mortgage
    • VA Loan
  • Mortgage Calculators
    • Closing Costs Calculator
    • Down Payment Calculator
    • Investment Property Calc
    • Lender Credit Calculator
    • More Buying Power Calc
    • Mortgage Recast
    • Temporary Rate Buydown
    • Title Insurance Cost Calc
  • APPLY NOW
  • Home
  • Mortgage Rates
  • Home Loans
    • Loan Programs
    • Bridge Loans
    • Construction Loan
    • Conventional Loans
    • FHA
    • HELOC
    • Refinance
    • Reverse Mortgage
    • VA Loan
  • Mortgage Calculators
    • Closing Costs Calculator
    • Down Payment Calculator
    • Investment Property Calc
    • Lender Credit Calculator
    • More Buying Power Calc
    • Mortgage Recast
    • Temporary Rate Buydown
    • Title Insurance Cost Calc
  • APPLY NOW

Apply for a Mortgage Loan

Apply for a mortgage online. Our mortgage qualification application is fast and easy! 

Apply Online Now!

What is the Home Loan Process?

Mortgage Loan Process

Check Current Mortgage Rates

Check today's mortgage rates without a credit inquiry. Compare our wholesale mortgage rates against retail mortgage lenders. 

Check Rates

Apply for a Home Loan

Apply for a home loan online and recieve your qualification letter right away. 

Apply Now

Talk to a Local Mortgage Broker

Talk to mortgage loan officer if you have questions about specific home loan scenarios or loan options.

Schedule Here

How To Applying for Home Loan

Prior To Credit Inquiry

Avoid High Closing Costs Fees

Avoid High Closing Costs Fees

If you know your credit score, then it is easy to find out the mortgage rate you can qualify for without a credit inquiry.  There is no sense in having a credit report inquiry when you are still shopping for a mortgage loan and deciding on the best mortgage company.  Your mortgage loan officer should be able to evaluate your qualification and give you a clear idea of what is available without running a credit report.  Knowing what is available prior to committing to a mortgage company will help you get the best mortgage loan.  Learn more about credit score and home loans. 

Avoid High Closing Costs Fees

Avoid High Closing Costs Fees

Avoid High Closing Costs Fees

There is a difference between APR and APY.  You can ensure you are getting the lowest cost mortgage loan by screening through low mortgage rates that come with unnecessary fees.  While some fees are unavoidable, you should not have to pay additional fees to get a low rate. Avoid retail mortgage rates and get your loan at wholesale. Compare mortgage rates and get the lowest monthly mortgage payment. Our rates are lower than what retail lenders are charging. You get the same home loans from the large lenders, just at wholesale prices. Apply online and avoid loan officer mortgage fees.      

Know Your Local Loan Officer

Avoid High Closing Costs Fees

Know Your Local Loan Officer

There are thousands of mortgage companies to choose from and even more loan officers to work with.  Deciding on a mortgage company should entail more than just finding the lowest mortgage rate.  Choose to work with a loan officer with capabilities that match your expectations.  Find out more about the loan officer you are working with through the National Mortgage Licensing System consumer portal.   


Get Approved for a Home Loan

Pay Credit Report

Competitive Home Lending

Local Texas Mortgage Broker

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Competitive Home Lending

Local Allen, TX mortgage loan company with low mortgage rates.  

450 Century Parkway Ste 250, Allen, Texas 75013, United States

Prequalify for a Home Loan in Texas

We make it easy to determine if you can prequalify for a home loan in Dallas, Texas, and the surrounding areas. Apply for a mortgage pre-approval today.


It's Time to Turn Your Real Estate Dreams Into Reality

Applying for a home loan can feel overwhelming, but it doesn't have to be when you choose Competitive Home Lending. We work with all the top mortgage lenders in the country to ensure that you get the best home loan for your needs at the lowest rates and with minimal closing costs. In addition, we make the entire process simple, so you can spend less time dealing with loans and more time searching for a loan.


If you are in the process of buying a home, the first step is to get prequalified. Give us a call today or apply online to find out how much you qualify for.


We've Got Your Back When It Comes to Buying a Home

Choosing a lender for your mortgage is one of the largest financial decisions you will make in your life. The right mortgage lender can save you thousands of dollars in interest upfront and over the course of your loan. See how Competitive Home Lending has your back when buying a home.


We Have a Local Advantage 

When applying for a loan, location matters. We work exclusively with clients in the Fort Worth-Dallas area, including North Dallas, Collin County, Plano, McKinney, Allen, and Frisco. We know the local real estate market and mortgage rates inside and out, and we can help you get the best deal in the area.


We Work for You, Not the Bank

We are mortgage brokers, not mortgage lenders. This means we work with all the top lenders in the industry to ensure that you are getting the best mortgage at wholesale rates and the highest chance of home loan approval. This means lower interest rates, fewer closing costs, and less hassle.


Access the Lowest Rates Possible 

We work closely with all the lenders we partner with to ensure we have access to some of the lowest mortgage rates in the industry. This can save you thousands of dollars or more over the course of the loan.


We Have Solutions for a Wide Range of Credit Scores

Even if you have good credit, it can be hard to get a loan, especially if you are self-employed or don't have a long credit history. However, because we work with so many lenders, we can often find a solution for your needs, even if you weren't able to get a loan from a bank or other lender. One application works with many mortgage lenders!


Our Team Is Always Here for You

Getting a mortgage can feel overwhelming, from pre-approval to the final closing. However, as local mortgage brokers, we are always here to help you with any questions. We will be there every step of the way and will help you navigate any bumps in the road. Give us a call or visit us in person with any questions. 


Why Choose a Mortgage Broker Instead of a Bank?

When many people begin the loan process, they head to their local bank. However, that's not always the best idea for your financial future. Banks often have limited options when it comes to getting a loan, and you may not get the best rates, or you might not qualify at all. See why a mortgage broker like Competitive Home Lending might be a better choice.


More Options = Better Rates

Banks can only offer you the loans they provide. A mortgage broker can help you instantly compare loans from many institutions so you can get the best rates and lowest closing costs. This allows you to see all your options and choose the best loan.

Lower Rate = More Home for Your Money

A lower rate means more than just saving money on interest. It also means you have more purchasing power. This can mean a larger home that better fits your needs. Often, it can be the difference between buying a "starter home" and your dream home.


Fewer Closing Costs = Less Cash to Close

Closing costs can eat up a considerable portion of your down payment. When you choose a mortgage broker, we can also help you find loans with minimal closing costs. This not only saves you money but also allows you to offer a larger down payment and make your offer more attractive to sellers. 


The First Step to Buying Your Home Is Getting Preapproved

If you're considering purchasing a home, most realtors will want you to get preapproved before you begin looking at homes. Being preapproved also allows you to determine exactly how much home you can afford, and a pre-approval letter can make your offer more attractive to sellers. Pre-approval shows that you are serious and have already taken steps towards securing financing. 


During the pre-approval process, we will look at your credit score, current income, buying power, down payment, and outstanding debt to determine how much money lenders might be willing to lend you for a mortgage. If you qualify, we can issue you a pre-approval letter so you can begin searching for your new home. 


Why Choose Competitive Home Lending?

When you choose Competitive Home Lending, you can trust that you are in good hands. We have over 20 years of experience and are licensed to operate in Texas. We've helped thousands of families get the financing they need to get into homes they love.

Qualify for a Home Loan

Getting preapproved doesn't have to be so hard. You can apply online in minutes or contact us with any questions. We will tell you precisely what you need and walk you through the entire process so you can get an answer quickly.

REH Competitive Investments LLC

Figure: 7 TAC §56.200(c)

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

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Copyright © 2019 REH Competitive Investments dba Competitive Home Lending NMLS #1047944 - All Rights Reserved. TSML Complaint/Recovery Notice

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