Forney Mortgage Loan Officer

Forney homebuyers

Room to grow without giving up the DFW commute

Forney has grown quickly with new neighborhoods serving families and remote workers. I walk you through how each loan program fits the home, the area, and your future.

FHA, VA, USDA, Conventional review
First-time buyer support
Refinance review for current Forney homeowners
Realtor-ready pre-approval letters

Buying in Forney? Get pre-approved today.

Single-story Texas family home in Forney

Forney, TXValue · Space · Quick to DFW

Loan options in Forney

Programs Forney buyers compare

FHA

Often a strong fit for Forney first-time buyers.

Conventional

Flexible terms for established Forney buyers.

VA

For eligible Forney Veterans and military families.

USDA

Much of the Forney area is USDA-eligible for $0 down — I'll verify your exact address.

Refinance

Review your current loan and goals.

DPA

Texas programs that may reduce out-of-pocket costs.

Forney real estate · 2026

Know the Forney market before you shop

Forney median home price

~$310,000

Forney offers some of the best value in the DFW metro — and much of the city is USDA-eligible, meaning qualified buyers can purchase with zero down.

2026 FHA loan limit

$563,500

Most Forney homes are well under this limit. Both FHA (3.5% down) and USDA ($0 down) are available depending on the property's eligible zone.

Kaufman County property tax

~1.7%

On a $285K home that's ~$404/mo in escrow. I factor the real tax rate into every pre-approval I run.

Forney neighborhoods I serve: Travis Ranch, Clements Ranch, Windmill Farms, Falcon Heights, and Providence Village — most subdivisions are USDA-eligible; I verify the map before you make an offer

Down payment assistance · Forney TX 2026

How to buy in Forney with little or no money down

Forney is one of the few growing DFW cities where USDA loans still apply across much of the area — zero down, no monthly PMI. Pair USDA with TSAHC for the lowest possible out-of-pocket cost.

Program	Amount	Type	Income limit (Kaufman County)	FTHB only?
USDA Rural Development	100% financing	No down payment needed	$139,300 (1–4 person)	No
TSAHC Home Sweet Texas	3–5% of loan	Grant — no repayment	115% AMI	No
TDHCA My First Texas Home	Up to 5% of loan	Deferred, forgiven yr 3	~$97,200	Yes (or veteran)

Sample scenario: $285K home in Forney with USDA $0 down

Purchase price$285,000

Down payment$0 (USDA)

Upfront fee (1%)$2,850 rolled into loan

Est. monthly PITI~$2,528/mo

Cash to closeClosing costs only — often $0–$3,000 with seller credit

USDA estimate at 7.0% 30-yr fixed, $0 down, 1% upfront guarantee fee rolled in, 0.35%/yr annual fee. Includes ~1.7% Kaufman County property tax and insurance. FHA option also available. Call 469-545-7180 for your actual numbers.

See all DPA programs I offer →

Forney real estate · 2026

Know the Forney market before you shop

Forney median home price

~$310,000

Forney offers some of the best value in the DFW metro — and much of the city is USDA-eligible, meaning qualified buyers can purchase with zero down.

2026 FHA loan limit

$563,500

Most Forney homes are well under this limit. Both FHA (3.5% down) and USDA ($0 down) are available depending on the property's eligible zone.

Kaufman County property tax

~1.7%

On a $285K home that's ~$404/mo in escrow. I factor the real tax rate into every pre-approval I run.

Forney neighborhoods I serve: Travis Ranch, Clements Ranch, Windmill Farms, Falcon Heights, and Providence Village — most subdivisions are USDA-eligible; I verify the map before you make an offer

Down payment assistance · Forney TX 2026

How to buy in Forney with little or no money down

Forney is one of the few growing DFW cities where USDA loans still apply across much of the area — zero down, no monthly PMI. Pair USDA with TSAHC for the lowest possible out-of-pocket cost.

Program	Amount	Type	Income limit (Kaufman County)	FTHB only?
USDA Rural Development	100% financing	No down payment needed	$139,300 (1–4 person)	No
TSAHC Home Sweet Texas	3–5% of loan	Grant — no repayment	115% AMI	No
TDHCA My First Texas Home	Up to 5% of loan	Deferred, forgiven yr 3	~$97,200	Yes (or veteran)

Sample scenario: $285K home in Forney with USDA $0 down

Purchase price$285,000

Down payment$0 (USDA)

Upfront fee (1%)$2,850 rolled into loan

Est. monthly PITI~$2,528/mo

Cash to closeClosing costs only — often $0–$3,000 with seller credit

USDA estimate at 7.0% 30-yr fixed, $0 down, 1% upfront guarantee fee rolled in, 0.35%/yr annual fee. Includes ~1.7% Kaufman County property tax and insurance. FHA option also available. Call 469-545-7180 for your actual numbers.

See all DPA programs I offer →

Loan pages for Forney

Program-specific guides for Forney, TX

FHA Loans in ForneyAffordable east corridor · TSAHC VA Loans in Forney$0 down · Kaufman County veterans USDA Loans in Forney$0 down · new construction eligible Conventional Loans in ForneyNew construction · builder incentive stacking Refinance in ForneyUSDA streamline · new construction refi DPA in ForneyTSAHC + TDHCA · stacks with USDA zero down

Forney FAQ

Common Forney buyer questions

Is Forney USDA-eligible?

Some Forney-area addresses may qualify. I will check current USDA maps against your target home.

How are property taxes in Forney?

Property tax rates vary by district. I factor local taxes into your monthly estimate so the number is realistic.

Are there new-construction options here?

Yes — many Forney communities are newer. I will time your loan to fit the build schedule when relevant.

All loans subject to credit approval. Equal Housing Lender · NMLS #2670329 · Mortgage Funding Solutions · Company NMLS #1972934.

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Forney Mortgage Loan Officer Helping Families Settle In

Room to grow without giving up the DFW commute

Programs Forney buyers compare

FHA

Conventional

VA

USDA

Refinance

DPA

Know the Forney market before you shop

How to buy in Forney with little or no money down

Sample scenario: $285K home in Forney with USDA $0 down

Know the Forney market before you shop

How to buy in Forney with little or no money down

Sample scenario: $285K home in Forney with USDA $0 down

Program-specific guides for Forney, TX

Common Forney buyer questions

From the Blog

Looking to buy a home in Forney?