First-Time Homebuyers
Navigating your first mortgage can feel overwhelming. I break down the process into clear steps, explain your options in plain language, and help you explore programs that may be available to qualified buyers.
Trusted Mortgage Advisor in Celina, TX
Tony Botchev, NMLS #114198
Buying a home is one of the biggest decisions you'll make. I'm here to simplify the mortgage process, answer your questions honestly, and help you move forward with confidence. Serving homebuyers in Celina, Prosper, Frisco, McKinney, and communities throughout North DFW with conventional, FHA, VA, jumbo, and investor loan programs.
Local Celina Mortgage Advisor
Clear Communication
Fast, Reliable Closings
Personalized Loan Strategies
About DFW Homes & Loans
DFW Homes & Loans is a mortgage advisory practice led by Tony Botchev (NMLS #114198), serving homebuyers and property owners throughout Celina, Texas and the broader North Dallas-Fort Worth region. With nearly two decades of experience in residential lending, we help first-time buyers navigate their initial purchase, assist growing families in upgrading to larger homes, guide homeowners through refinancing decisions, and support real estate investors building portfolios in one of the fastest-growing corridors in Texas.
Our approach is built on three principles: honest communication, local expertise, and personalized service. Every homebuyer's situation is different — from income and credit profile to timeline and long-term goals. Rather than offering a one-size-fits-all recommendation, we take the time to understand your financial picture and match you with loan programs that align with your needs. Try our mortgage calculator to estimate your monthly payment, review common mortgage questions for quick answers, or request a free consultation to discuss your goals directly. We serve buyers in Celina, Prosper, Frisco, McKinney, Anna, Melissa, Aubrey, and surrounding communities in Collin and Denton counties.
Local Home Loans in Celina and North DFW
Celina, Texas is one of the fastest-growing communities in the Dallas-Fort Worth metroplex. With new developments, excellent schools, and a strong sense of community, it's no surprise that families and professionals are choosing to call Celina home. Whether you're relocating from another state, moving up from a starter home in Prosper, or investing in rental properties near Frisco and McKinney, understanding your mortgage options is the first step toward making your goals a reality.
As a mortgage advisor based right here in Celina, I understand the local market and the unique needs of North DFW homebuyers. I work with families purchasing their first home in Anna, professionals upgrading to larger properties in Prosper, and investors building portfolios across Collin and Denton counties. My approach is simple: provide clear information, honest guidance, and responsive service so you can make confident decisions about your home financing.
The North Texas real estate market moves quickly. Having a local mortgage advisor who understands the area and can respond promptly gives you an advantage when you find the right property. I coordinate closely with local real estate agents, title companies, and appraisers to help ensure a smooth process from pre-approval through closing.
Why Work With DFW Homes & Loans
Since 2006, I've helped hundreds of families across North Texas navigate the mortgage process. My philosophy is straightforward: every client deserves clear communication, personalized attention, and honest advice—even when that means recommending a different path than the one they originally considered.
Working with a local advisor means you get someone who knows the Celina market, understands the timing challenges of buying in competitive North DFW neighborhoods, and can explain your options without industry jargon. I take the time to understand your financial situation and goals before recommending any loan program.
Speed and reliability matter when you're under contract. I pride myself on responsive communication—returning calls and emails promptly, keeping you updated throughout the process, and coordinating with all parties to help meet your closing timeline.
What You Can Expect
- Local expertise in Celina and North DFW markets
- Personalized guidance from application to closing
- Clear, honest communication at every step
- Fast response times and reliable timelines
- Multiple loan programs to fit your situation
Tony Botchev, NMLS #114198
Mortgage Solutions for Every Buyer
Whether you're buying your first home in Celina, upgrading in Prosper, or investing in Frisco, I offer guidance tailored to your specific situation and goals.
Move-Up Buyers
Ready to upgrade to a larger home or better location? I help you evaluate your current equity position, understand your financing options, and coordinate the timing of your purchase.
Homeowners Refinancing
Whether you're looking to potentially lower your payment, change your loan term, or access equity for home improvements, I'll review your situation and help you determine if refinancing may make sense.
Real Estate Investors
Building a rental portfolio in North DFW? I can help you explore investor-focused loan programs, including DSCR options, based on your goals and qualifications.
Ready to Take the Next Step?
Whether you're just starting to explore your options or ready to get pre-approved, I'm here to help. Schedule a free consultation to discuss your goals and learn about the loan programs that may work for your situation.
Tony Botchev, NMLS #114198 | All loans subject to qualification
How the Mortgage Process Works
Buying a home in Celina or anywhere in North DFW follows a straightforward path. Here is what to expect when you work with me.
Initial Consultation
We start with a conversation about your goals, budget, and timeline. Whether you are buying your first home in Celina or refinancing in McKinney, this step helps me understand your situation so I can recommend the right loan programs. There is no cost and no obligation.
Pre-Approval
I review your income, credit, assets, and debts to determine how much you may qualify to borrow. Pre-approval gives you a clear price range and signals to sellers that you are a serious buyer — an important advantage in competitive North DFW markets like Prosper and Frisco.
House Hunting and Offer
With your pre-approval in hand, you can shop with confidence. When you find the right property and go under contract, I coordinate with your real estate agent to ensure your financing aligns with the purchase timeline. I am available to answer questions and provide updated estimates as needed.
Processing and Underwriting
Once your loan application is submitted, I manage the documentation process, coordinate the appraisal, and work with the underwriting team to verify all details. I keep you informed at each stage so there are no surprises. Most purchases in Celina and North DFW close within 30 to 45 days.
Closing
At closing, you review and sign your final loan documents, funds are disbursed, and the property is officially yours. I walk you through every document beforehand so you understand exactly what you are signing. After closing, I remain available for any follow-up questions about your mortgage.
Mortgage Calculator
Estimate Your Monthly Payment
This is an educational tool, not a loan offer.
PMI may apply with lower down payments.
Estimated Monthly Payment
$3,025.44
Payment Breakdown
Principal & Interest$2,275.44
Property Taxes$600.00
Home Insurance$150.00
HOA$0.00
PMI$0.00
Loan Details
Loan Amount$360,000
Down Payment$90,000 (20.0%)
Total Interest Paid$459,160
Estimates only. This is not a commitment to lend. Rates, taxes, insurance, PMI, HOA, and payment amounts may vary. All loans subject to credit approval and program guidelines.
Tony Botchev, NMLS #114198
Mortgage Guidance in Celina & North Dallas
Choosing the right mortgage is one of the most important financial decisions you will make. In a fast-moving market like Celina, having a local advisor who can explain your options clearly and respond quickly makes a real difference. I help buyers understand rates, loan structures, and timelines so they can move forward with confidence.
North Dallas and its surrounding communities each have their own character and pace. Whether you are looking at new construction in Celina, established neighborhoods in Prosper and Frisco, or growing areas like Anna and Melissa, the financing conversation is different for every buyer. My role is to match your financial picture with the loan programs that fit your goals.
Good mortgage guidance goes beyond finding a low rate. It means walking you through every stage of the process, coordinating with real estate agents and title companies across Collin and Denton counties, and making sure you understand what you are signing before you sign it. That is the standard I hold myself to with every client I serve.
Mortgage FAQ — Celina, TX
Clear answers from your trusted mortgage advisor. All loans subject to qualification.
Tony Botchev, NMLS #114198 — Your trusted mortgage advisor in Celina, TX. All information is for educational purposes only. Loans subject to qualification.
Let's Talk About Your Goals
No pressure, no obligation. Just a straightforward conversation about your situation and how I can help you move forward.
Whether you're a first-time buyer exploring homes in Celina, a growing family looking to upgrade in Prosper or Frisco, or an investor evaluating opportunities in McKinney, every successful mortgage starts with the right guidance. I'll help you understand your options, prepare your application, and move toward closing with confidence.
Tony Botchev, NMLS #114198 | Serving Celina, TX and North DFW