— NORTH TEXAS / DFW METROPLEX

North Texas / DFW Metroplex
Home Loan Solutions

North Texas / DFW Metroplex
Home Loan Solutions

Mortgage financing for luxury estates, executive homes, corporate relocator buyers, first-time buyers, and VA loans across Dallas, Fort Worth, Frisco, Plano, McKinney, Allen, Prosper, Arlington, and the Dallas-Fort Worth Metroplex.

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— ABOUT NORTH TEXAS / DFW LOANS

North Texas / DFW Metroplex
Mortgage Financing

Pacific Home Loans provides mortgage financing throughout the Dallas-Fort Worth Metroplex, including Dallas, Fort Worth, Frisco, Plano, McKinney, Allen, Prosper, Celina, Arlington, Mansfield, Southlake, Keller, Grapevine, Grand Prairie, and surrounding communities. We offer conventional, FHA, VA, jumbo, portfolio, and Non-QM loan programs structured for the Metroplex’s extraordinary diversity of markets, price points, and borrower profiles.

The Dallas-Fort Worth Metroplex is the largest mortgage market in Texas by transaction volume – recording over 19,600 closed sales in Q1 2025 – and one of the most economically diverse real estate markets in the country. The Metroplex spans markets as different as Frisco’s ultra-luxury corporate relocation corridor, Fort Worth’s accessible first-time buyer and VA market near NAS JRB Fort Worth, and Dallas’s diverse urban core where investors, first-time buyers, and luxury purchasers all participate actively. Texas’s zero state income tax has made DFW the preferred destination for corporate headquarters relocations from California, New York, and Illinois – driving sustained demand in the northern suburbs and establishing Collin County as one of the wealthiest and fastest-growing counties in the United States. The 2026 conforming loan limit across all DFW-area counties is $832,750, with a significant share of Frisco, Prosper, Southlake, Park Cities, and Highland Park transactions requiring jumbo or portfolio financing.

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— DALLAS LUXURY MARKET

Dallas Luxury
& Primary Residence Financing

Dallas is the Metroplex’s anchor city – a major financial, technology, and cultural center with a diverse real estate market spanning luxury urban residences, established suburban estates, investment properties, and a broad primary residence market.

Key Dallas Luxury Communities

  • Highland Park & University Park – The Park Cities are Dallas’s most prestigious and consistently high-value residential addresses, with estate properties and mature canopy streets where individual transactions regularly reach $3–10 million. Jumbo and portfolio financing are the standard tools for these communities.
  • Preston Hollow – Established luxury neighborhood in North Dallas with significant estate properties, privacy, and a buyer profile of executives, business owners, and entertainment figures.
  • Uptown & Victory Park – Dallas’s premier urban luxury market, with high-rise condominiums and walkable access to the Katy Trail. Non-warrantable condominium projects are present in the high-rise inventory and may require PrimeResort™ or portfolio financing.
  • Lakewood & East Dallas – High-appreciation urban neighborhoods with renovated Craftsman and Tudor homes popular with young professionals.
  • North Dallas / Far North Dallas – Expansive residential corridor with a broad range of price points from entry-level to executive.

For high-value and complex transaction structuring:
→ Portfolio Loans & Flexible Financing Solutions 

For jumbo and high-balance financing:
→ Jumbo Loans

— COLLIN COUNTY CORRIDOR

Frisco, Plano & McKinney
Corporate Relocation Financing

Collin County – encompassing Frisco, Plano, McKinney, Allen, Prosper, and Celina – has been one of the fastest-growing counties in the United States for over a decade and has emerged as the preferred destination for corporate headquarters relocations to the DFW Metroplex. Toyota North America, JPMorgan Chase, Goldman Sachs, Liberty Mutual, FedEx Office, and dozens of other major corporations have established or expanded significant operations here – bringing thousands of high-income executives and professionals driving sustained luxury buyer demand.

Key Collin County Communities

One of the most recognized and fastest-appreciating luxury residential markets in the country, with exceptional schools, proximity to the Dallas Cowboys’ The Star and PGA of America’s headquarters, and a dense corporate campus concentration that consistently pushes residential values above the conforming limit. Starwood, Hollyhock, Richwoods, and Phillips Creek Ranch represent Frisco’s luxury community inventory.

Collin County’s largest city and the original corporate anchor, home to Toyota North America’s North American headquarters and a well-established luxury residential market.

Consistently recognized as one of the best places to live in the country, with a historic downtown, strong schools, and a diverse buyer profile spanning first-time purchasers to luxury buyers.

Established community with excellent schools, a strong primary residence market, and consistent appreciation.

The corridor’s newest growth frontier, with luxury new construction, master-planned communities, and a buyer profile of younger executives and families seeking Collin County quality at more accessible price points.

Financing in the Collin County corridor commonly involves jumbo loan amounts above the $832,750 conforming limit, corporate relocator profiles for executives at Toyota, JPMorgan, Goldman Sachs, and other major employers, California and Northeast relocators with complex equity and income transition scenarios, self-employed business owners and financial services professionals, and new construction and construction-to-permanent financing.

→ Jumbo Loans
→ Portfolio Loans & Flexible Financing Solutions
→ Explore Non-QM Mortgage Programs

Texas Markets Are Diverse.
Your Financing Strategy Should Match.

— FORT WORTH MARKET

Fort Worth &
Tarrant County Financing

Fort Worth is the Metroplex’s western anchor – a city with a distinct identity, proud western heritage, and a real estate market serving a different but equally important buyer profile. More affordable than Dallas’s luxury corridor, Fort Worth is a strong primary residence, first-time buyer, and VA loan market anchored in part by Naval Air Station Joint Reserve Base Fort Worth.

Key Fort Worth Communities

  • Westover Hills & Rivercrest – Fort Worth’s most prestigious residential enclaves with estate properties requiring jumbo financing
  • Tanglewood & Westcliff – Established luxury neighborhoods with mature character near the cultural district
  • Alliance Corridor & North Fort Worth – Rapidly growing residential corridor with strong primary residence and move-up demand
  • Southlake, Keller & North Tarrant – Western Metroplex luxury counterpart to Collin County, with Southlake consistently among the wealthiest communities in Texas

VA loan programs are particularly relevant throughout Tarrant County given the NAS JRB Fort Worth presence.

→ VA Loans
→ Jumbo Loans

— MID-CITIES & BROADER METROPLEX

Arlington, Mansfield
& Mid-Cities Financing

The mid-cities corridor between Dallas and Fort Worth – Arlington, Mansfield, Grand Prairie, Irving, and the HEB communities – serves the Metroplex’s most accessible price points and a diverse buyer base spanning first-time purchasers, workforce families, and investors. Arlington is home to Globe Life Field, AT&T Stadium, and UT Arlington. Mansfield and the southern mid-cities consistently rank among the most sought-after communities in Tarrant County for family buyers. Conventional, FHA, VA, and HomeReady programs serve the mid-cities’ diverse buyer base.

→ FHA Loans
→ HomeReady Loan
→ VA Loans

— WHY PACIFIC HOME LOANS

Pacific Home Loans North Texas /
DFW Metroplex Mortgages

  • Collin County Corporate Relocation Expertise – Specialized experience financing executive relocations to Frisco, Plano, McKinney, and the corridor’s major corporate campuses including Toyota, JPMorgan, and Goldman Sachs.
  • Dallas Luxury & Park Cities Depth – Jumbo and portfolio programs for Highland Park, University Park, and Preston Hollow estate transactions at the top of the Dallas luxury market.
  • Fort Worth VA Specialists – Full VA purchase, renovation, and streamline programs for the NAS JRB Fort Worth military community and veteran buyers throughout Tarrant County.
  • California & Northeast Relocator Programs – Structured solutions for buyers managing the transition from high-tax states, including bridge financing, bank statement loans, and asset-based qualification.
  • New Construction Expertise – Construction-to-permanent and new construction financing for custom and semi-custom builds across the Metroplex’s active development corridors.
  • Licensed Across 10 States – Hawaii-headquartered with multi-state licensing, serving borrowers wherever their investment journey takes them.

— FOR RESORT & NON-WARRANTABLE PROJECTS

PrimeResort™

Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.

Investor Qualification

Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.

Portfolio Loans

Learn more about our portfolio loan options and flexible financing solutions.

— COMMON QUESTIONS

North Texas / DFW Metroplex
Mortgage FAQ

Have a question not answered here? Our team is available to walk through your specific scenario.

The 2026 conforming loan limit across all DFW-area counties – including Dallas, Tarrant, Collin, Denton, and Rockwall — is $832,750. A significant share of Frisco, Prosper, Southlake, Park Cities, and Highland Park transactions exceed this threshold and require jumbo or portfolio financing.

Yes. We regularly structure financing for executives relocating to Collin County from California, New York, and other high-tax states. Bank statement, bridge, asset-based, and portfolio programs are commonly applied for these buyers’ complex financial profiles and timing needs.

Yes. Pacific Home Loans offers VA purchase, renovation, and streamline refinance loans throughout the DFW Metroplex, with particular depth serving the military community near NAS JRB Fort Worth.

Yes. Construction-to-permanent and new construction financing are available for custom and semi-custom builds across the Collin County corridor.

Loan amounts vary by program and borrower qualifications. Financing solutions may be available up to $30 million depending on property type, loan structure, and underwriting guidelines.

Start Your North Texas / DFW Financing Strategy

Whether you are purchasing a luxury estate in Frisco, an executive home in Plano, a Park Cities property in Dallas, a VA purchase near Fort Worth, or a primary residence anywhere in the DFW Metroplex, our team can help structure the right financing solution for your goals.

Begin My Texas Loan
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Begin My Texas Loan
SCHEDULE A CONSULTATION