01
Conventional
Flexible purchase and refinance options evaluated against credit, income, assets, occupancy and property details.
North Dallas mortgage strategy
Your Trusted Mortgage Advisor
Mortgage guidance for buyers and realtors in Celina, Prosper, Anna, Melissa, Gunter, Aubrey, Frisco, and McKinney — the 380. Clear questions before an application, a showing, or a refinance decision.
Your starting point
Not every borrower needs the same conversation.
Choose the scenario closest to yours. You’ll get the right questions to ask before an application, a showing or a refinance decision.
01 / PURCHASE STRATEGY
Start with buying power you can actually use.
A useful pre-approval is more than a number. It should reflect your timeline, cash priorities, property type and the payment range you’re comfortable carrying.
- Compare eligible loan structures
- Plan cash-to-close responsibly
- Surface credit or income questions early
- Coordinate with your real estate agent
Prequalification starter
Turn “maybe” into a useful first conversation.
Answer three quick questions to organize your scenario. You’ll leave with a private readiness brief you can download and use when you speak with Tony.
No Social Security number, date of birth, documents or credit pull. When you submit, your contact details and scenario are sent to DFW Homes & Loans for review and follow-up. Read our Privacy Policy.
North Dallas focus
Local context changes the loan conversation.
From established centers to fast-changing smaller communities, property type, taxes, insurance, HOA structure, builder contracts and timing can shape the conversation. Explore 8 places across the corridor.
Loan paths
The right structure starts with the complete picture.
These are conversation starters, not one-size-fits-all recommendations. Eligibility and approval depend on the borrower, property and current program guidelines.
02
FHA
Government-insured financing that may fit some primary-residence buyers, subject to eligibility and property standards.
03
VA
Benefits-focused financing for eligible service members, veterans and qualifying surviving spouses.
04
USDA
Property- and income-eligible financing for qualifying rural and suburban areas, where program rules are met.
05
Self-employed
A documentation strategy that starts with how your income is earned and reported — before assumptions are made.
06
Investment property
Financing conversations for long-term rentals and other investment scenarios, based on the complete file and property.
A visible process
Clarity at every handoff.
Strategy call
Goals, timing, income type, funds, debts and intended property — without rushing to a product.
File review
Review available documentation and identify questions that could affect the path forward.
Options, explained
Compare relevant structures and trade-offs in plain language, with realistic expectations.
Coordinated closing
Keep communication moving among the borrower, agent and other parties through the finish.
Straight answers
Questions worth asking early.
Mortgage decisions are specific. These answers frame the conversation without pretending every file works the same way.
Look for clear licensing, direct explanations, documented comparisons, realistic expectations, and familiarity with the property and market you are considering. Tony Botchev, NMLS #114198, is sponsored by Loan Factory, Inc., NMLS #320841.
No. Credit requirements can vary by program, property, occupancy, loan amount and the lender evaluating the file. A score by itself does not determine approval.
Down payment requirements depend on the program, eligibility, property, occupancy, credit profile, reserves and current guidelines. Review the complete file before planning around one number.
Timing depends on complete documentation, credit authorization, property questions and file complexity. Starting early creates room to address questions before they become urgent.