Based in Garland · Serving North TexasCall/Text 469-545-7180|WhatsApp

BOND PETER NJOKU

Mortgage Loan Officer | NMLS #2670329

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Garland, Texas

Your Local Garland Mortgage Loan Officer

I'm based right here in Garland. From the neighborhoods around Firewheel and Lakeview to South Garland and Duck Creek, I help families finance the homes they want — close to home.

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Garland, your hometown lender

Local office, local relationships

My office is located on S. Shiloh Rd in Garland — easy to reach if you’d rather sit down in person. For everything else, I am one phone call away.

  • First-time buyer guidance for Garland families
  • Refinance review for Garland homeowners
  • FHA, VA, USDA, and Conventional loan options
  • In-person or virtual consultations
Buying in Garland? Get pre-approved today.
Two-story Texas family home in Garland
Garland, TXLocal office on S. Shiloh Rd
Loan options in Garland

Programs Garland buyers use

FHA loans

A popular path for Garland first-time buyers with flexible credit guidelines.

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Conventional loans

Flexible terms for primary, second, or investment homes around Garland.

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VA loans

Earned benefits for Garland Veterans and military families.

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USDA loans

Some areas around Garland may be USDA-eligible — I will check.

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Refinance

For current Garland homeowners considering today’s options.

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DPA programs

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

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Garland real estate · 2026

Know the Garland market before you shop

Garland median home price

~$310,000

One of DFW's most affordable cities — roughly 25% below Dallas prices for comparable homes, and well under the $563,500 FHA loan limit.

2026 FHA loan limit

$563,500

Dallas County FHA limit. Most Garland homes fall well under this, making FHA with 3.5% down a practical path for nearly every purchase.

Dallas County property tax

~2.0%

On a $295K purchase that's ~$492/month in escrow. I factor the real tax rate into every pre-approval I run — no surprises at closing.

Garland neighborhoods I serve: South Garland (starter homes $220K–$280K), Duck Creek, Heritage Crossing near downtown, Lakeview near Lake Ray Hubbard, Firewheel in northeast Garland, Richland Preserve, and the Centerville corridor. Every neighborhood qualifies for different DPA programs — I check yours at no cost.
Down payment assistance · Garland TX 2026

How to buy in Garland with little or no money down

Garland is in Dallas County, which unlocks the Dallas DHAP — up to $60,000 forgivable over 5 years — alongside state programs from TSAHC and TDHCA. Stacking these correctly is the difference between closing with $15,000 out of pocket and closing with under $2,000.

Program Amount Type Income limit (Dallas Co.) FTHB only?
Dallas DHAP Up to $60,000 Forgivable over 5 yrs ~$97,200 Yes
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)
Garland HFC (MCC + DPA) $10,000 + $2K/yr tax credit 2nd lien + MCC Varies by family size Yes

Sample scenario: $295K home in Garland with TSAHC 5% grant

Purchase price$295,000
FHA down (3.5%)$10,325
TSAHC 5% grant~$14,200
Est. monthly PITI~$2,648/mo
Cash to closeAs low as $0–$2,000

Estimate at 7.0% 30-yr fixed. Includes P&I ~$1,896, MIP 0.55%/yr ~$130, taxes ~$492, insurance ~$130. Income limit for Dallas County DPA ~$97,200. Min credit 620 for most programs. Call 469-545-7180 for your actual numbers.

See all DPA programs I offer →
Loan pages for Garland

Program-specific guides for Garland, TX

FHA Loans in Garland580+ credit · 3.5% down · DPA stacking VA Loans in Garland$0 down · local expert on S. Shiloh Rd Refinance in GarlandRate/term, cash-out, FHA streamline, VA IRRRL DPA in GarlandTSAHC + TDHCA + Dallas DHAP stacking Conventional Loans in Garland620+ credit · PMI cancels at 78% LTV
Garland FAQ

Questions Garland buyers ask

Who is a mortgage loan officer in Garland, TX?
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer based in Garland, TX at 1919 S. Shiloh Rd, Suite 518. I help Garland homebuyers get FHA, VA, USDA, and conventional loans, and I specialize in down payment assistance programs including TSAHC and Dallas DHAP. Call or text me at 469-545-7180.
What down payment assistance is available in Garland, TX?
Garland buyers can access TSAHC Home Sweet Texas (3–5% grant, no repayment required), TDHCA My First Texas Home (up to 5% DPA for first-time buyers and veterans), and the Dallas DHAP program (up to $60,000 for qualified buyers in Dallas city limits). These programs can be stacked with FHA loans for very low out-of-pocket costs. I'm Bond Peter Njoku (NMLS #2670329), a local Garland loan officer approved to originate these programs.
Can I get an FHA loan in Garland, TX with a low credit score?
Yes. FHA loans allow credit scores as low as 580 with 3.5% down, or 500–579 with 10% down. FHA is one of the most common loan types for Garland first-time buyers because of its flexible guidelines. I'm Bond Peter Njoku (NMLS #2670329), and I can pre-approve you quickly — call me at 469-545-7180 or apply online.
Does Bond Peter Njoku do in-person mortgage consultations in Garland?
Yes. My office is at 1919 S. Shiloh Rd, Suite 518, Garland, TX 75043. I offer in-person, virtual, and phone consultations. Call or text me at 469-545-7180 to schedule.
How long does mortgage pre-approval take in Garland, TX?
Working with me, most buyers receive a pre-approval decision within 24–48 hours of submitting their documents. You'll need pay stubs, W-2s, bank statements, and a valid ID. Getting pre-approved before house hunting strengthens your offer in Garland's competitive market.
What is the income limit for down payment assistance in Garland, TX?
For Garland buyers in Dallas County, the 2026 DPA income limit is approximately $97,200 for the Dallas DHAP and TDHCA My First Texas Home programs. TSAHC Home Sweet Texas uses 115% of AMI, allowing slightly higher incomes. The Garland Housing Finance Corporation has its own limits that vary by family size. I'm Bond Peter Njoku (NMLS #2670329) — I compare every program you qualify for at no cost. Call or text me at 469-545-7180.
What Garland neighborhoods have the best value for first-time buyers?
South Garland consistently offers the best value — homes typically in the $220K–$280K range, many qualifying for FHA and DPA programs. Other popular areas include Duck Creek, Heritage Crossing near downtown, Lakeview near Lake Ray Hubbard, and Firewheel in northeast Garland. Every neighborhood qualifies for slightly different programs — I can check your specific address before you shop. Call or text me at 469-545-7180 anytime.
All loans subject to credit approval. Equal Housing Lender · NMLS #2670329 · Mortgage Funding Solutions · Company NMLS #1972934.
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Buying or refinancing in Garland?

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