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Competitive Home Lending
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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
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  • 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

Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.

Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.

Trusted Texas Mortgage Broker Offering True Wholesale Rates Without Retail Markup.

Crush My Mortgage Offer
Current Mortgage Rates

20+ Yrs Experience | Serving Texas | Local in DFW

Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.

Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.Wholesale Mortgage Rates. Lower Costs. Smarter Homeownership.

Trusted Texas Mortgage Broker Offering True Wholesale Rates Without Retail Markup.

Crush My Mortgage Offer
Current Mortgage Rates

20+ Yrs Experience | Serving Texas | Local in DFW

Compare Mortgage Rates

Free Home Loan Summary - No Impact to Credit
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Find the Best Home Loan

What Our Clients Say

Local Mortgage Broker Advantage

Lower Mortgage Rates

Why Competitive Home Lending

Why Competitive Home Lending

Competitive Home Lending has access to current mortgage rates from the best mortgage lenders. As a Texas mortgage broker, we shop for the best mortgage rate for our clients. We are local to the Allen, Plano and McKinney area. 


Our low mortgage rates keep mortgage payments affordable and can give you more homebuying power. Avoid retail mortgage rates from a large mortgage company and get the most out of your mortgage loan with a wholesale mortgage rate. 

Current Mortgage Rates

Why Competitive Home Lending

Why Competitive Home Lending

Why Competitive Home Lending

Competitive Home Lending partners with many of the nation’s best mortgage lenders such as Rocket Mortgage, UWM, Fairway Mortgage, etc. to offer below-market mortgage rates. Homebuyers in Allen, Plano, McKinney, Frisco, and surrounding areas get direct access to wholesale mortgage rates and avoid unnecessary closing cost fees from working with a larger mortgage company. 


Save the most on your mortgage loan when you choose Competitive Home Lending as your local Allen mortgage broker. 

Loan Programs

Experienced Mortgage Broker

Why Competitive Home Lending

Experienced Mortgage Broker

Competitive Home Lending’s Director of Operations has more than a decade of experience in loan processing and mortgage loan compliance. 


Our company's mortgage broker is licensed in Texas, has over two decades of banking and mortgage experience, a B.S. in Management and Finance, and a Master of Science in Management. Clients won't have to sacrifice experience to get a low home loan rate in the Allen, Plano, McKinney or surrounding areas.


Get high-level mortgage lender expertise without paying loan officer commission fees that can add thousands to your mortgage loan. Local mortgage company in Allen, TX.

Apply for a Mortgage

3 Ways to Take Advantage of Lower Wholesale Mortgage Rates

Lower Interest Rate
Boost Buying Power
Reduce Cash-to-Close

About Local Mortgage Brokers

What is a Mortgage Broker

Easy Home Loan Qualification Process

What is a Mortgage Broker

A mortgage broker is an independent mortgage company with access to mortgage loans from the best mortgage lenders, and have the authorization to offer mortgage rates from major mortgage lenders such as Rocket Mortgage, UWM, etc. but at a wholesale price and with a local broker helping the Allen, Plano, McKinney and surrounding areas.    


Get the best mortgage loan at a wholesale mortgage rate!  Low mortgage rates, less fees, local broker - Call us today!

Why Use a Mortgage Broker

Easy Home Loan Qualification Process

What is a Mortgage Broker

Mortgage brokers can offer the same home loans that a large retail mortgage company offers but with lower mortgage rates and lower fees! 


Access to the best mortgage lenders improves the likeliness of a mortgage loan approval. Allen, Plano, and McKinney residents can save thousands in interest. Apply Now!


One mortgage loan application is compatible with every mortgage lender partner. This lets borrowers shop for the best mortgage loan without multiple credit inquires that can affect a credit score.

Easy Home Loan Qualification Process

Easy Home Loan Qualification Process

Easy Home Loan Qualification Process

The mortgage loan process is fast and simple with your local Allen mortgage broker. 


  1. Inquire with our state licensed loan officer if you have specific home loan questions or questions about mortgage rates from a specific mortgage company. 
  2. Complete the online mortgage loan application. 
  3. Leave the rest to our experienced staff for fast loan processing and closing with the best mortgage lender possible.


We will get your home loan approved and closed in record time! And, we're local to the Allen, Plano, McKinney area. Apply Now!

How to Choose a Mortgage Broker?

Not as simple as searching "Loan Officer Near Me."

The first step in choosing a local mortgage broker is understanding how a specific mortgage company operates. Brokers are independent mortgage companies, and a consumer must feel confident with the loan officer they choose. A national registry of all loan officers is available for consumers to access through the National Mortgage Licensing System Consumer Access page. 


Here are some qualifying questions to ask a mortgage broker: 

  • Which mortgage lenders are you authorized to use?
  • Why do you use those specific lenders?
  • What is your loan process?
  • How do you communicate with borrowers?
  • How do your mortgage rates compare to other local mortgage brokers?
  • How have you made a positive impact in the Allen, Plano, McKinney area?


Verify your loan officer's experience on the NMLS Consumer Access registry. 

Why Should You Use a Mortgage Broker?

There are three major advantages to working with a mortgage broker. They include rate, fees, and qualification criteria. Most consumers ask about rate when inquiring with a mortgage company about mortgage loans, but data from Fannie Mae indicates that less than 1/3rd of consumers actually shop more than one company when choosing a mortgage lender. 


Mortgage brokers have access to wholesale mortgage rates from any retail lender that offers a third-party origination (TPO) agreement. Furthermore, because mortgage brokers can have multiple TPO relationships, shopping different lenders can be done with one mortgage broker inquiry instead of a consumer having to call many direct lenders to shop for the best rate. 


Compared to direct lenders, mortgage brokers often have a lower cost of operating and are able to reflect the lower costs through lower origination fees. In most cases a mortgage broker does not charge an origination fee. 


Lastly, mortgage brokers are able to match potential mortgage applicants with a compatible lender.  Direct lenders can have specific qualification overlays that can disqualify an otherwise qualified borrower. Examples are minimum credit score requirements, property types, loan size, or loan type such as renovation or construction loans. 

How Does a Mortgage Broker Work?

Mortgage brokers are companies with authorization to promote direct mortgage lender products. A broker is responsible for marketing loan products from the best mortgage companies directly to consumers, processing loan applications, and ensuring proper compliance procedures. Fees for the service are usually paid to the broker by the direct lender as predetermined in the TPO contract. A broker has the option of charging a consumer a predetermined origination fee agreed upon by the broker and borrower. However, a broker can only be paid by the lender or consumer and cannot be paid by both parties on a single loan transaction.

How to Choose the Best Mortgage Lender

The most important factor to look for in a mortgage is affordability. A consumer should have a solid understanding of the mortgage loan programs available to them, and save more by working with a local mortgage company. It is the responsibility of the mortgage loan officer of the retail mortgage lender or wholesale mortgage broker to explain different home loan options, mortgage rates, estimated monthly payment, and funds needed for down payment and closing costs to ensure the consumer feels comfortable and confident with the mortgage loan. It is possible for consumers to get a loan worksheet or summary of the home loan programs available prior to committing to a credit report inquiry. 


Learn more about finding the best mortgage company: How to Choose a Mortgage Lender

Local Mortgage Broker - Allen, TX

Local Mortgage Broker with Lower Mortgage Rates for Home Loans in Allen, Plano, McKinney and surrounding areas. Located in Allen, Texas. 

Competitive Home Lending

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

(214) 396-7761

Hours

Open today

08:15 am – 06:45 pm

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Privacy Policy

Last updated: 10/16/2023

This Privacy Policy describes the policies and procedures of Competitive Home Lending ("we," "our," or "us") on the collection, use, and disclosure of your information when you access or use our website, services, or products (collectively, the "Service"). We are committed to protecting your privacy and ensuring that your personal information is handled responsibly.


By accessing or using the Service, you consent to the practices described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not use the Service.


Information We Collect

Personal Information

We may collect personal information, such as your name, email address, phone number, and other contact details when you voluntarily provide it to us.


Non-Personal Information

We may also collect non-personal information about your interactions with the Service. This information may include technical details, such as your IP address, browser type, operating system, and the pages or content you view on the Service.


How We Use Your Information

We may use the information we collect for various purposes, including but not limited to:

1. Providing, maintaining, and improving the Service.

2. Sending you information, including updates and newsletters.

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4. Protecting the security and integrity of the Service.

5. Complying with legal and regulatory requirements.


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We may use cookies and similar tracking technologies to collect information and improve your experience on the Service. You can modify your browser settings to reject cookies or notify you when cookies are being used.


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We do not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:

1. With service providers and partners who help us operate the Service.

2. To comply with legal obligations or to protect our rights, privacy, safety, or property.

3. In connection with a business transaction, such as a merger, sale, or acquisition.


Your Choices

You have the right to access, correct, or delete your personal information. You may also choose to opt-out of marketing communications. To do so, please contact us using the information provided below.


Security

We take reasonable measures to protect your personal information from unauthorized access and disclosure. However, no data transmission over the internet is entirely secure, and we cannot guarantee the security of your information.


Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on our website with a revised "Last Updated" date. Your continued use of the Service following any changes to this Privacy Policy constitutes your acceptance of those changes.


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If you have any questions or concerns regarding this Privacy Policy or our data practices, please contact us at: Competitive Home Lending.

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