McKinney Mortgage Loan Officer

McKinney homebuyers

Move-up, move-in, or first-time — McKinney has a fit

McKinney attracts a wide mix of buyers — young families, Veterans, professionals working across DFW. I help each pick the loan structure that matches their goals.

First-time buyer guidance
VA loan benefit for McKinney Veterans
Refinance review for current homeowners
Realtor-ready pre-approval letters

Buying in McKinney? Get pre-approved today.

McKinney, TXHistoric + master-planned

Loan options in McKinney

Programs McKinney buyers compare

FHA

Flexible guidelines for McKinney first-time buyers.

Conventional

Common for buyers with established credit in McKinney.

VA

A strong benefit for eligible McKinney Veterans and military families.

USDA

Some areas near McKinney may be USDA-eligible — I will verify.

Refinance

For current McKinney homeowners reviewing options.

DPA

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

McKinney real estate · 2026

Know the McKinney market before you shop

McKinney median home price

~$440,000

McKinney has grown fast, but entry-level inventory in Eldorado Heights and East McKinney starts around $330K — comfortably within FHA range.

2026 FHA loan limit

$563,500

Collin County FHA limit. Most McKinney first-time buyer purchases fall under this — FHA is a solid option for starter homes in Eldorado and East McKinney.

Collin County property tax

~1.5%

On a $405K home that's ~$506/mo in escrow. I factor the real tax rate into every pre-approval I run.

McKinney neighborhoods I serve: Eldorado Heights (most affordable, $330K–$410K), Historic Downtown McKinney, Craig Ranch, Stonebridge Ranch, and Bennett Farm near Hwy 380

Down payment assistance · McKinney TX 2026

How to buy in McKinney with little or no money down

Collin County's $119,700 DPA income limit lets more McKinney buyers qualify for assistance. TSAHC grants need no repayment and pair with FHA for a clear path to homeownership.

Program	Amount	Type	Income limit (Collin County)	FTHB only?
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	~$119,700	Yes (or veteran)

Sample scenario: $405K home in McKinney with TSAHC 5% grant

Purchase price$405,000

FHA down (3.5%)$14,175

TSAHC 5% grant~$19,500

Est. monthly PITI~$3,440/mo

Cash to closeAs low as $0–$2,500

Estimate at 7.0% 30-yr fixed. Includes P&I, FHA MIP (0.55%/yr), ~1.5% Collin County property tax, and homeowner's insurance. DPA income limit varies by program. Min credit 620 for TSAHC. Call 469-545-7180 for your actual pre-approval numbers.

See all DPA programs I offer →

McKinney real estate · 2026

Know the McKinney market before you shop

McKinney median home price

~$440,000

McKinney has grown fast, but entry-level inventory in Eldorado Heights and East McKinney starts around $330K — comfortably within FHA range.

2026 FHA loan limit

$563,500

Collin County FHA limit. Most McKinney first-time buyer purchases fall under this — FHA is a solid option for starter homes in Eldorado and East McKinney.

Collin County property tax

~1.5%

On a $405K home that's ~$506/mo in escrow. I factor the real tax rate into every pre-approval I run.

McKinney neighborhoods I serve: Eldorado Heights (most affordable, $330K–$410K), Historic Downtown McKinney, Craig Ranch, Stonebridge Ranch, and Bennett Farm near Hwy 380

Down payment assistance · McKinney TX 2026

How to buy in McKinney with little or no money down

Collin County's $119,700 DPA income limit lets more McKinney buyers qualify for assistance. TSAHC grants need no repayment and pair with FHA for a clear path to homeownership.

Program	Amount	Type	Income limit (Collin County)	FTHB only?
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	~$119,700	Yes (or veteran)

Sample scenario: $405K home in McKinney with TSAHC 5% grant

Purchase price$405,000

FHA down (3.5%)$14,175

TSAHC 5% grant~$19,500

Est. monthly PITI~$3,440/mo

Cash to closeAs low as $0–$2,500

Estimate at 7.0% 30-yr fixed. Includes P&I, FHA MIP (0.55%/yr), ~1.5% Collin County property tax, and homeowner's insurance. DPA income limit varies by program. Min credit 620 for TSAHC. Call 469-545-7180 for your actual pre-approval numbers.

See all DPA programs I offer →

Loan pages for Mckinney

Program-specific guides for Mckinney, TX

VA Loans in McKinney$0 down · fastest-growing Collin County FHA Loans in McKinneyCollin County · DPA + new construction ready Conventional Loans in McKinneyNeighborhood price guide · builder pre-approval Refinance in McKinneyBreak-even analysis · high-rate 2022–23 buyers DPA in McKinneyTSAHC + TDHCA · Collin County limit ~$119,700

McKinney FAQ

Questions McKinney buyers ask

Who is a mortgage lender in McKinney, TX?

I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer serving McKinney, TX and Collin County. I help McKinney homebuyers with FHA, VA, USDA, conventional, and refinance loans, as well as down payment assistance programs. Call or text me at 469-545-7180 or visit bondmortgagesolutions.com.

Can I get an FHA loan for a McKinney, TX home?

Yes. FHA loans are used in McKinney for buyers who want a lower down payment (3.5%) or have a lower credit score. McKinney has a range of price points that fall within FHA loan limits for Collin County. I'm Bond Peter Njoku (NMLS #2670329) and I can pre-approve you for an FHA loan in McKinney — call me at 469-545-7180.

Are VA loans available for McKinney, TX veterans?

Yes. McKinney and Collin County have a large active-duty and veteran population. VA loans offer $0 down payment, no monthly mortgage insurance, and competitive rates. I'm Bond Peter Njoku (NMLS #2670329) and I specialize in VA loans for North Texas veterans. Call or text me at 469-545-7180 to verify your entitlement and get pre-approved.

Is there down payment assistance for McKinney, TX first-time buyers?

Yes. McKinney buyers can access TSAHC Home Sweet Texas (3–5% DPA grant, no repayment) and TDHCA My First Texas Home (up to 5% DPA for first-timers and veterans). These stack with FHA loans to dramatically reduce upfront costs. I'm Bond Peter Njoku (NMLS #2670329) and I check your eligibility at no charge — call me at 469-545-7180.

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

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BOND PETER NJOKU

McKinney Mortgage Loan Officer for Texas Families

Move-up, move-in, or first-time — McKinney has a fit

Programs McKinney buyers compare

FHA

Conventional

VA

USDA

Refinance

DPA

Know the McKinney market before you shop

How to buy in McKinney with little or no money down

Sample scenario: $405K home in McKinney with TSAHC 5% grant

Know the McKinney market before you shop

How to buy in McKinney with little or no money down

Sample scenario: $405K home in McKinney with TSAHC 5% grant

Program-specific guides for Mckinney, TX

Questions McKinney buyers ask

From the Blog

Looking to buy a home in McKinney?