Conventional Home Loans
Financing for eligible buyers and homeowners. Some first time buyers may qualify with as little as 3% down. Compare the payment, mortgage insurance, and closing funds for your situation.
Plano Home Loans and Refinance
Mortgage Broker in Plano, TX
Dylken Home Loans is an independent mortgage broker serving Plano homebuyers and homeowners. We shop multiple wholesale lenders and present loan options for your purchase or refinance. Whether you are relocating for work, buying your next home, or reviewing your current mortgage, we help you understand your payment, closing costs, and next steps.
Work directly with Chad Holte, NMLS #198303, founder and owner of Dylken Home Loans, a Certified Mortgage Advisor and Managing Broker with 25+ years of mortgage experience.
Explore Current Mortgage Rates for Your Plano Home
See how loan amount, down payment, and loan type affect available mortgage rates. Review purchase or refinance options as you plan your next step.
Current Mortgage Rates
Rates updated throughout each business day.
No credit check required.
Mortgage Loan Programs Available in Plano
Start with your eligibility, available down payment, and a payment that fits your budget. We will explain suitable options before you choose a loan.
FHA Loans
Eligible buyers may purchase with as little as 3.5% down. Review credit and income requirements alongside upfront and ongoing mortgage insurance to understand the full cost.
VA Purchase Loans
Eligible veterans and service members may qualify with no down payment and no monthly mortgage insurance. Review eligibility, any funding fee, and closing costs for your Texas purchase.
Jumbo Mortgages
For loan amounts above the applicable conforming limit. Your down payment affects the amount borrowed, so a higher home price alone does not determine whether you need jumbo financing.
Buying a Plano Home While Your Finances Are Changing
A move to Plano can involve more than finding a home. If you are starting a role near Legacy, changing how you are paid, or using proceeds from another property, review those details before setting your purchase timeline.
Starting a New Job
Share your signed offer, start date, pay structure, and any conditions attached to the role. We will review the proposed closing date and explain what employment records and funds the selected loan requires.
Earning Variable Compensation
Separate base salary from bonuses, commissions, and stock compensation. Provide the available income history and award or vesting records so we can determine which earnings may support qualification.
Selling Your Current Home
Identify whether you need sale proceeds to close and whether you expect to own both homes at once. Review the existing payment, available funds, and closing dates before relying on a particular purchase plan.
Before You Make an Offer on a Plano Home
Turn your price range into a plan for the actual home. These three checks help you understand the funds, payment, and timing you can rely on.
Confirm Your Closing Funds
List the down payment and closing costs, then identify where the funds will come from. If money depends on a home sale or the sale of vested investments, review the documentation and timing before committing it to the purchase.
Estimate the Property’s Payment
Use the address to review taxes, insurance, association dues, and any assessments. Do not assume the seller’s tax bill or an online listing payment is the amount you will pay after the purchase.
Review the Details Before Setting Dates
Share the property type, proposed closing date, employment changes, and any sale contingency. We can identify information the lender needs and help you plan around outstanding items.
Plano Housing Market Snapshot
Plano city · All home types · Three months ending July 2026
$540,000
Median sale price
61 days
Days on market
97%
Sale price relative to list price
Market snapshot from Redfin’s Plano housing market report. Figures retained from the existing page; July 2026 reporting period.
Review the Property You Are Financing
Whether you are considering an established Plano neighborhood, a newer home, or a townhome or condo, the property’s actual records are more useful than assumptions based on its age or location.
A House or Newer Construction
Review the property’s actual condition and costs. For a completed new home, check whether the tax estimate includes the finished property. For a builder purchase, share the delivery timeline and any financing related incentives early.
A Townhome or Condominium
Confirm the legal ownership structure and association responsibilities. A condo may require a project review in addition to borrower approval. Request association contacts, insurance information, dues, and assessment details when you identify a property.
We Shop Lenders and Explain Your Options
Work with an independent mortgage broker who reviews your situation, shops appropriate wholesale lenders, and presents suitable options with clear costs and tradeoffs.
Recommendations for Your Situation
We review the purchase or refinance goal, income, available funds, and property before narrowing the options. You receive recommendations and explanations rather than a list of lenders to research.
Clear Numbers Before You Decide
Review the estimated payment, points, closing costs, and cash needed together. We explain what changes between the options so you can choose with a clear understanding of the costs.
One Direct Point of Contact
Work directly with Chad Holte through the mortgage process, from reviewing your plans to responding to lender requests and coordinating with your closing team.
What real clients are saying
5.0
99 Google & Zillow Reviews
Google
Chad did a great job helping navigate through options. The fastest close we’ve ever had.
Google
This is our second time working with CHAD, his service is excellent. His attention to detail and caring for his customer is outstanding.
Google
I’ve been working with Chad for over 15 years on both new purchases and multiple refinances, and in all kinds of market conditions. I confidently refer friends and family to Chad at every opportunity. It’s fantastic to know that you’re always going to end up with extremely competitive rates, and the best possible service from beginning to end. Amazing work Chad and team!
13 days
Average Closing Time
Individual loan timelines vary.
99
★★★★★
Five Star Reviews
25+
Years of Mortgage Experience
Chad Holte, Managing Broker
Does Your Current Mortgage Still Fit Your Plans?
A refinance should address something you want to change. Compare your current mortgage with the proposed loan, including the costs, new balance, payment, and repayment period.
Change Your Rate or Repayment Term
Estimate the payment difference and how long savings could take to recover closing costs. Review the new payoff date too. Extending repayment can lower the payment while increasing the time you carry the debt.
Access Home Equity
Start with the amount you need, then review net proceeds after the existing mortgage payoff and transaction costs. Compare the payment on the entire new balance and the equity you would retain. Texas cash out requirements apply.
Refinancing does not itself lower property taxes or insurance premiums. Separate those charges from principal and interest when comparing payments.
Common Questions
Plano Mortgage Questions
Can I buy a home in Plano before starting my new job?
Possibly. Some loan programs allow an eligible signed employment offer or contract to support qualification before the job begins. The start date, pay structure, conditions of employment, and available funds affect eligibility. Share the offer and proposed closing date early so we can confirm whether you need to start work or receive a paycheck before closing.
Can bonuses, commissions, or stock compensation count toward mortgage qualification?
They may count when they meet the selected loan program’s documentation and income requirements. Your history of receiving the income, recent amounts, and expected continuation matter. Stock awards also require review of vesting and payment records. Share the compensation breakdown early. A total compensation figure or unvested award should not be treated as qualifying income without review.
Can I purchase my next home before selling my current one?
Possibly, if you qualify with the required housing obligations and have enough eligible funds to close. If you need sale proceeds for the down payment, their availability must be coordinated with your purchase closing. If the current home is under contract, the lender will review the documents before determining how its payment is treated.
Does a larger down payment always make the mortgage a better choice?
No. A larger down payment can reduce the loan balance and may change mortgage insurance or pricing, but it also leaves less cash available after closing. Compare the actual loan options, payment, closing costs, and remaining savings. The right choice depends on your qualifications and how you intend to use your funds.
What should I review before financing a Plano townhome or condo?
Confirm whether the property is legally classified as a condominium, even if it looks like a townhome. For a condo, the lender reviews both your qualifications and the condominium project. Ask for the association’s contact information, dues, insurance coverage, and any special assessments early. These details can affect loan eligibility, your monthly budget, and the closing timeline.
Does a higher priced Plano home automatically require a jumbo loan?
No. The loan amount after your down payment is compared with the applicable conforming limit. A higher priced home may still qualify for conforming financing when the amount borrowed is within that limit and all other requirements are met. We can review the loan size and down payment together.
Can I refinance without taking cash out?
Yes. A rate and term refinance can replace your current mortgage to change its interest rate or repayment term without the primary purpose of accessing equity. Review closing costs, the new balance, payment, and payoff date. A lower payment from extending the term can have a different total cost than a lower rate over a similar remaining term.
Local Guides
Plano Home Buying Resources
Local guides and answers for buying and owning a home in Plano.
Statewide Guides
Helpful Texas Home Buying Resources
Statewide guides that apply across every Texas market, Plano included.
Your Next Step
Make a Clear Plan for Your Plano Mortgage
Tell us whether you are buying, moving, or refinancing and what you want to accomplish. We will help you understand the options, costs, and information needed for your next step.