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.
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.
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.
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 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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Check today's mortgage rates without a credit inquiry. Compare our wholesale mortgage rates against retail mortgage lenders.
Apply for a home loan online and recieve your qualification letter right away.
Talk to mortgage loan officer if you have questions about specific home loan scenarios or loan options.
Local Allen, TX mortgage loan company with low mortgage rates.
450 Century Parkway Ste 250, Allen, Texas 75013, United States
“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”