— Collin County
Collin County
Home Loan Specialists
Mortgage financing for luxury estates, executive homes, corporate relocator buyers, and investment properties across Plano, Frisco, McKinney, and Collin County.
— ABOUT Collin County LOANS
Collin County
Mortgage Financing
Pacific Home Loans provides mortgage financing throughout Collin County, including Plano, Frisco, McKinney, Allen, Prosper, and Celina. We offer conventional, FHA, VA, jumbo, portfolio, and Non-QM loan programs structured for Collin County’s rapidly growing and increasingly high-value residential market.
Collin County 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 and high-income buyer migration to the Dallas-Fort Worth metro. Toyota North America, JPMorgan Chase, Goldman Sachs, Liberty Mutual, FedEx Office, and dozens of other major corporations have established or expanded significant operations in Collin County – bringing thousands of high-income executives, financial professionals, and corporate employees who are driving sustained luxury buyer demand. Texas’s zero state income tax reinforces Collin County’s appeal for buyers relocating from California, New York, Illinois, and other high-tax states. The 2026 conforming loan limit in Collin County is $832,750, with a significant share of Frisco, Prosper, and McKinney luxury transactions requiring jumbo or portfolio financing.
— ABOUT Collin County LOANS
Frisco Luxury
Real Estate Financing
Frisco has transformed from a small North Texas community into one of the most recognized and fastest-appreciating luxury residential markets in the country – earning repeated recognition as one of the best places to live in the United States. The combination of exceptional schools, proximity to the Dallas Cowboys’ The Star headquarters, PGA of America’s headquarters, and a dense concentration of corporate campuses has driven residential values and luxury buyer demand to levels that consistently require jumbo financing.
Key Frisco Communities & Markets
- Starwood – established gated luxury community with custom estate properties and strong appreciation history
- Hollyhock – master-planned luxury community with resort amenities and high-value residential properties
- Richwoods – gated luxury neighborhood with custom homes and executive appeal
- The Star district – luxury condominium and residential market adjacent to the Dallas Cowboys facility
- Phillips Creek Ranch – master-planned luxury community with active lifestyle amenities
Financing in the Frisco luxury market commonly involves:
- Jumbo loan amounts above the $832,750 conforming limit for higher-value estate properties
- Corporate relocator profiles- executives and professionals transferring to Toyota, JPMorgan, and other major employers
- Self-employed business owners and financial services professionals with complex income structures
- California and Northeast relocators with complex equity and income transition scenarios
New construction financing for custom and semi-custom builds in master-planned communities
For high-value and complex transaction structuring:
→ Portfolio Loans & Flexible Financing Solutions
For jumbo and high-balance financing:
→ Jumbo Loans
— SPECIALIZED FINANCING
Plano & McKinney
Executive Home Financing
Plano – Collin County’s largest city and the original anchor of the county’s corporate expansion – remains one of the most established and prestigious addresses in the DFW metro, with a mature luxury residential market, excellent infrastructure, and a dense concentration of major employer campuses. McKinney – consistently recognized as one of the best places to live in America – offers a historic downtown, strong schools, and growing luxury residential development that attracts both local buyers and corporate relocators.
Key Plano & McKinney Communities
- West Plano – Plano’s most established luxury corridor, home to major corporate campuses and high-value residential neighborhoods
- Willow Bend – prestigious Plano community with luxury custom homes and country club access
- Craig Ranch (McKinney) – master-planned luxury development with TPC Craig Ranch golf and resort amenities
- Stonebridge Ranch (McKinney) – established master-planned community with diverse luxury residential options
- Historic downtown McKinney – renovated Victorian-era properties and high-demand in-town residential market
Financing considerations in Plano and McKinney commonly include:
- Jumbo and portfolio financing for higher-value executive and estate properties
- Financial services and corporate executive income documentation
- California and Northeast relocator buyer profiles with complex income structures
- Self-employed and business owner income documentation needs
— 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.
— Collin County LOAN OPTIONS
Collin County Relocator,
Investor & Non-QM Loans
Corporate Relocator & High-Income Buyer Financing
Collin County has attracted one of the most significant concentrations of corporate headquarters relocations of any US county over the past decade. Toyota North America’s relocation from California to Plano brought thousands of employees and executive families. JPMorgan Chase’s Plano campus, Goldman Sachs’s expanding Dallas presence, and Liberty Mutual’s relocation have added further waves of high-income financial services professionals — many relocating from New York and the Northeast and navigating complex income transition scenarios.
Common financing scenarios for Collin County corporate relocators include:
- Jumbo primary residence purchases with relocation package coordination
- Bridge financing for buyers simultaneously selling California, New York, or Illinois property
- Bank statement and asset-based qualification for executives transitioning between employers
- Stock and equity compensation income documentation for publicly traded company executives
- Portfolio solutions for buyers with complex timing or asset transition needs
→ Explore Non-QM Mortgage Programs
→ Explore Portfolio Loans & Flexible Financing Solutions
Prosper, Celina & Allen Growth Market Financing
The northern Collin County communities of Prosper and Celina represent the county’s fastest-growing frontier – with new luxury master-planned communities, custom estate developments, and significant infrastructure investment drawing buyers seeking newer construction, larger lots, and strong long-term appreciation potential at more accessible price points than established Frisco and Plano neighborhoods.
Financing considerations in these growth markets commonly include:
- New construction and builder financing coordination
- Conventional and jumbo programs for luxury new construction
- Self-employed and business owner income documentation for buyers attracted by more rural land opportunities
- Investment property financing in rapidly appreciating markets
Texas Cash-Out Refinance – Homestead Considerations
Collin County homeowners considering cash-out refinancing should be aware of Texas’s unique constitutional homestead protections.
Texas homestead cash-out refinances are governed by Article XVI, Section 50(a)(6) of the Texas Constitution. These loans are generally limited to 80% loan-to-value, require a mandatory waiting period prior to closing, and are subject to specific fee limitations and eligibility requirements. Additional constitutional provisions apply, including restrictions on loan structure and closing requirements. These rules apply only to Texas homestead (primary residence) properties and do not apply to investment properties.
Full-Service Collin County Mortgage Programs
In addition to specialized financing solutions, Pacific Home Loans offers a complete range of traditional agency programs:
→ Conventional Loans
→ FHA Loans
→ VA Loans
→ HomeReady
→ Home Possible
— WHY PACIFIC HOME LOANS
Pacific Home Loans
Collin County Mortgages
- Experience financing luxury estates, executive homes, and corporate relocator transactions
- Expertise with California, New York, and Northeast relocator scenarios and complex income structures
- Familiarity with Texas homestead cash-out refinance requirements
- In-house underwriting and portfolio capital solutions for complex and high-value transactions
- Access to jumbo, Non-QM, and alternative documentation programs
Pacific Home Loans structures financing solutions that match the complexity of Collin County’s dynamic real estate market – whether the property is a Frisco luxury estate, a Plano executive home, or a McKinney master-planned community residence.
Condo Financing Expertise
Expertise in complex condo, condotel, and financing for resort marketplaces.
In-House Service
In-house underwriting and delegated lending capabilities for faster, better service.
Flexible Borrower Solutions
Experienced with high-value and luxury transactions, offering loan amounts up to $30 million.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.
Dedicated Loan Team
Every borrower is supported by a dedicated team from application through closing – not passed between departments.
Streamlined Process
Pre-qualify quickly, upload documents securely online, and e-sign mortgage disclosures from anywhere.
— COMMON QUESTIONS
Collin County
Mortgage FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
