Of the 20 mortgage brokers in Dallas, TX that publish their loan programs, 17 (85%) offer conventional loans, 16 (80%) offer VA loans and 15 (75%) offer FHA loans.

Conventional loans17 of 20 (85%)

VA loans16 of 20 (80%)

FHA loans15 of 20 (75%)

Jumbo loans11 of 20 (55%)

USDA loans10 of 20 (50%)

First-time buyer programs9 of 20 (45%)

HELOCs and home equity loans6 of 20 (30%)

Down payment assistance5 of 20 (25%)

Non-QM loans5 of 20 (25%)

Bank statement loans5 of 20 (25%)

Reverse mortgages5 of 20 (25%)

Construction loans4 of 20 (20%)

8
advertise 3.5% down or less, including 4 with a 0% down option (typically VA or USDA)
500
lowest advertised minimum credit score; 3 lenders accept 580 or lower
14 / 8
licensed in one state only / licensed nationwide (of 26 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 20 of 86 listed mortgage brokers that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

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Why Choose Local Mortgage Brokers in Dallas?

Local Market Expertise

Dallas mortgage brokers have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Texas. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage brokers means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage brokers often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Dallas market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage broker in Dallas?

Shortlist at least three mortgage brokers in Dallas, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Texas, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage broker?

Ask about their experience in the Dallas market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Dallas mortgage brokers better than online lenders?

Local mortgage brokers offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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