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From Uptown condos to Lake Highlands family homes. Veterans are a short drive from the Dallas VA Medical Center.
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Dallas · Fort Worth · Plano · Frisco · Arlington
Dallas–Fort Worth mortgage broker
Craig Scott helps DFW buyers, veterans and homeowners compare lenders and close on time — with Texas taxes, exemptions and local market timing built into the plan.
Where Craig helps
Across the metroplex
A few of the DFW cities Craig works in, and the loans buyers there ask about most.
Fort Worth
Home to Naval Air Station Joint Reserve Base Fort Worth — a lot of VA buyers on orders and reservists.
Plano
Corporate moves around Legacy mean tight timelines, so a solid pre-approval matters before you tour.
Frisco
One of the fastest-growing cities in the country, with a lot of new construction to compare.
McKinney
New subdivisions and builder incentives — worth comparing the builder’s lender with an outside offer.
Arlington
Right between Dallas and Fort Worth and popular with first-time buyers.
Irving
Las Colinas professionals and short commutes to DFW Airport.
Denton
A university town (UNT and TWU) with room to grow — some outlying addresses may be USDA-eligible.
Allen & Richardson
Established Collin and Dallas County neighbourhoods with strong demand.
Garland & Mesquite
Starter homes and small multi-family — FHA and VA can both work for owner-occupied 2–4 units.
Aledo & Parker County
Acreage and new builds west of Fort Worth — Craig has closed VA loans here.
Sachse & Wylie
Growing suburbs northeast of Dallas — Craig recently closed a refinance here in 9 days.
Closed with Craig
Recent DFW closings
Dallas, Fort Worth, Sachse and Aledo — real loans Craig closed close to home.
Dallas, TXVA purchase
A second opinion that paid off
Came in pre-approved elsewhere and wanted another look. We restructured the deal and got him a better one.
Smooth closeBuyer’s agent @quentin.dfwrealtor
Fort Worth, TXVA purchase
$25,000 in equity on day one
The builder’s in-house lender couldn’t read active-duty and reservist pay. We could — and secured full builder concessions.
Just over 3 weeksBuyer’s agent @quentin.dfwrealtor
Sachse, TXRefinance
Saving over $1,000 a month
That is $12,000+ a year back in the homeowner’s pocket.
Closed in 9 days
Aledo, TXVA purchase
A second VA loan, first one kept
They still had a VA loan on a home in Missouri. With the right structure, the benefit kept working.
Second-tier entitlementAmanda Falconer & Laura Bumgarner
Dallas, TXVA purchase
His own baby brother
Guided him through his first home, paid off both cars and set him up with home equity.
Debt-free startBuyer’s agent @kee.sells.houses
Buying in Texas
Four things that work differently here
~2%+of value per year
Property tax is the big line
No state income tax, so property taxes do the work. Many DFW cities run about 2% of value a year or more.
File onceafter you move in
Homestead exemption
File with your county appraisal district after you move in to lower the taxable value for school taxes.
Up to 100%tax exemption
Disabled veterans
Texas gives partial exemptions by VA disability rating; veterans rated 100% can be fully exempt on their home.
80%maximum cash-out
Texas cash-out limit
A Texas home-equity cash-out refinance is capped at 80% of the home’s value, with its own waiting periods.
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- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
FAQ
Dallas–Fort Worth home loan questions
Does Craig work with buyers across Dallas–Fort Worth?
Yes. Craig works with buyers, homeowners and agents across Dallas, Tarrant, Collin, Denton and Parker counties, and he meets agents at local events like VAREP Dallas–Fort Worth.
How much should I budget for property taxes in DFW?
It depends on the city and school district, but many DFW buyers should plan for roughly 2% of the home’s value per year or more. Craig uses the real rate for the address you are looking at.
Is there down payment assistance in Texas?
Yes. Statewide programs such as TSAHC’s Homes for Texas Heroes and TDHCA’s My First Texas Home, plus some city and lender programs, can help with the down payment and closing costs for eligible buyers.
Can I use my VA loan on a new build in Frisco or McKinney?
Yes. You can buy a finished new build with a VA loan, or build from the ground up with a VA one-time close construction loan through a participating lender.
I am relocating to DFW from another state. Can Craig help?
Yes. A lot of Craig’s clients are relocating, including military families on PCS orders. He can pre-approve you before you arrive so you can make offers right away.
Can I do a cash-out refinance on my Texas home?
Usually yes, within Texas rules: cash-out is capped at 80% of the value and there are required waiting periods. Craig will run the numbers and the rules with you.
Buying in DFW?
Let’s talk this week.
Fifteen minutes, no credit pull. Craig will tell you what you qualify for and what it costs in your city.