Home Loans in Denton, Texas

 Financing Your Home in a Growing North Texas City

Denton, Texas: A City With Small-Town Charm and Big-City Access

Denton is one of North Texas’ fastest-growing cities, attracting first-time buyers, families, and professionals alike. Denton offers a vibrant lifestyle with a lower cost of living compared to the core metroplex. Its historic downtown square is filled with local shops, restaurants, and entertainment, while nearby neighborhoods offer everything from charming starter homes to spacious suburban properties.

Thanks to top-rated schools such as Denton ISD, its proximity to the University of North Texas (UNT) and Texas Woman’s University (TWU), and its strong appeal to both families and young professionals, Denton is a highly desirable destination. 

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Denton, Texas Home Loans Housing Market

Denton Housing Market

Housing in Denton is notably more affordable than in Dallas or Fort Worth, making it an attractive destination for buyers seeking both value and lifestyle. Denton real estate offers a wide range of opportunities, from affordable starter homes in neighborhoods, to executive-style properties in communities. With newer developments in various areas, buyers will find options that cater to every stage of life.

Testimonials

What Our Clients Say About Us

Cesia and Enrique N.
15:36 17 May 25
Review for Suzette – Our Amazing Loan Officer ✨

Working with Suzette was truly a blessing. From the very beginning, she was the light at the end of the road — always encouraging, always positive, and constantly reminding us that our dream of becoming homeowners was within reach. Her professionalism, patience, and genuine care made such a difference during this process.

There were moments when we felt overwhelmed, but Suzette never let us give up. She kept us motivated, answered every question, and guided us step by step with so much grace and knowledge. We can honestly say this journey wouldn’t have been the same without her.

Thank you, Suzette, for believing in us and helping us make this dream come true. We are forever grateful!

- The Neri’s
Caleb HYPPOLITE J.
14:58 16 May 25
Enjoy the service. It was excellent and staff very profesionnal
William C.
07:04 12 May 25
We had a fantastic experience working with Jason. He helped my wife and I purchase an amazing home and guided us through every step of the process with confidence/ease. Jason was always available to answer our many questions and consistently provided clear, helpful guidance. His responsiveness and deep knowledge made what could have been a stressful process feel smooth and manageable. He also connected us with trusted professionals whenever we needed additional support. We’re truly grateful for his expertise and dedication—thank you, Jason!
Diana O.
15:28 03 May 25
We had a wonderful experience working with Jason. He was supportive and diligent throughout the whole process. As first-time home buyers, he ensured that we got the best deal!
Therese A.
00:20 01 May 25
Big Shoutout to Mr. Jason Turner who helped us close the house within two weeks! Smooth and precise. Shoutout also to Ms. Darla. We highly recommend Texas Mortgage Pros.

Richard and Gracezielle
Margo R.
19:29 25 Apr 25
Huge shout out to Jason and Darla. They are both so communicative and helpful throughout the mortgage process, which I appreciate especially as a first time home buyer. I cannot tell you how many times I texted/emailed with questions and they were both so prompt with getting back to me. The website is also very easy to use for the initial application, and you get email/text updates every time there is an update to your loan application/the process.

If you value communication and someone helpful to guide/assist you through the mortgage process - especially if you are a first time home buyer - I highly recommend Texas Mortgage Pros, specifically Jason and Darla!!
Breon W.
22:52 19 Apr 25
I want to take a moment to express my sincere gratitude for the outstanding customer service provided by Jason Turner. His extensive knowledge and willingness to help were truly remarkable. Jason went above and beyond to assist me in successfully purchasing my dream home, and his support really made a difference for me. I feel fortunate to have had him by my side throughout this journey.
Ronald A.
17:09 08 Apr 25
10 Stars to Jason Turner and his team at Texas Mortgage Pros! Jason was very helpful and straightforward in explaining the process from start to finish. He was prompt to answer all our queries and concern. Everything was well explained that made our decision to go with Mortgage Pros a breeze. The process was definitely scary at the beginning, changing a lender company just few weeks from closing our house, but Jason helped us lower our closing cost and was able to broker a lender with lower interest rates which every home owner needs. Jason and his team really did a great job! They deserve 10 gold stars!!!

From Alcalde Family, we appreciate you Jason and the rest of your team. 🙂
Kelli Y.
20:11 06 Apr 25
These guys were recommended from realtors. They went above and beyond and even answered questions for us outside of normal business hours. Very smooth process. If the need ever arises for a mortgage broker again we will definitely be using Jason and his team. I would also recommend them to anyone who needs a broker.
Traci P.
14:46 31 Mar 25
Jason was incredibly helpful and patient throughout the entire process. He went above and beyond to work around my schedule, making everything so much easier. Highly recommend his services!

Home Loan Programs for Denton Buyers and Homeowners

No matter which part of Denton you’re dreaming of living in, whether near UNT for its youthful energy, close to downtown historic homes, or in family-friendly suburbs, there’s a home loan program designed for you. Here’s an overview of the most popular mortgage options available in Denton.

Conventional-Conforming Loans in Denton

Conventional loans in Denton are popular among buyers in neighborhoods with mid-range home prices. They are well-suited for individuals with solid credit and sufficient savings. With as little as 3–5% down, flexible terms, and competitive rates, conventional loans are an excellent choice for professionals and families relocating to Denton who are seeking long-term value.

FHA Loans for First-Time Buyers

For first-time homebuyers eager to purchase their first home, FHA loans offer lower down payment options (as low as 3.5%) and more lenient credit requirements. This makes homeownership accessible while allowing you to build equity right in Denton’s growing market.

VA Loans for Denton's Military Families

Located near Sheppard Air Force Base and within driving distance of other Texas military communities, many service members and veterans choose Denton as home. VA loans make that easier by eliminating the need for a down payment and removing the requirement for private mortgage insurance. It’s one of the most powerful benefits available to Denton’s military families who want to buy or refinance a home.

Manufactured Home Loans

Manufactured housing options are becoming increasingly popular in affordable communities outside urban areas in Denton. If you’re exploring this path, specialized financing can help you secure a loan for a qualifying manufactured or modular home, opening the door to lower home prices while maintaining homeownership goals.

Jumbo Loans for Luxury Properties

Home prices often exceed conventional loan limits in Denton’s upscale communities. Jumbo loans are the right fit here, offering financing for larger properties with higher values. These loans typically require a larger down payment and stronger credit, but they make it possible to own your dream home in Denton’s premium neighborhoods.

Non-Qualified Mortgage (Non-QM) Loans

Denton is home to many self-employed professionals, UNT faculty members, and small business owners who may not meet traditional income documentation guidelines. Non-QM loans utilize alternative income verification methods, such as bank statements, to help entrepreneurial homebuyers secure financing. These loans ensure that Denton’s thriving small-business community can still access mortgage options.

Refinancing Options for Denton Homeowners

Cash-Out Refinance

With property values in Denton on the rise, many homeowners are tapping into their equity through cash-out refinancing. Whether you live in a mature neighborhood or a newer subdivision, you can take cash out to renovate your home, consolidate debt, or pay for major expenses, all while leveraging your growing equity.

Rate-and-Term Refinance

If you want to lower your mortgage payment or pay off your loan faster, a rate and term refinance can help. This option replaces your current loan with one that has better terms, such as a lower interest rate or shorter repayment period, helping Denton families save money in the long run.

Your Trusted Partner for Homeownership in Denton, Texas

Buying or refinancing a home in Denton is more than a transaction—it’s the start of a new chapter in your life. We understand the excitement, the nerves, and the dreams that come with finding the perfect home. Our dedicated team guides you every step of the way, helping you navigate the mortgage process with confidence and care. Whether it’s your first home, your next investment, or a refinance to unlock your equity, we’re committed to making your Denton homeownership journey smooth, personal, and truly rewarding.

Apply for a Home Loan in Denton

Whether you’re putting down roots near Denton’s historic downtown, searching for a suburban retreat, or buying your first home, the right mortgage makes your dream of Denton homeownership possible. With options like FHA, VA, USDA, Jumbo, and refinance programs, there’s a loan designed for every budget and lifestyle.

Now is the time to take the next step. Call us at (877) 280-4833 to get pre-approved for your home loan in Denton today and begin your journey in one of North Texas’s most vibrant and welcoming communities.

FAQs About Home Loans in Denton

Q: What is the minimum credit score for a conventional loan in Denton?

A: To qualify for a conventional mortgage, you’ll need a minimum 620 credit score and a debt-to-income (DTI) ratio of no more than 45 percent. If you make a down payment below 20 percent, you’ll need to pay private mortgage insurance (PMI) as well.

Q: Which Denton neighborhoods are best for first-time buyers?

A: First-time buyers often look at North Lakes, Evers Park, or neighborhoods near TWU, where home prices are lower and financing options, such as FHA or USDA loans, are more accessible.

Q: How much are closing costs in Texas?

A: In Texas, closing costs for buyers typically range from 2% to 6% of the home’s purchase price. For sellers, closing costs can be higher, ranging from 6% to 10%. These costs can vary based on the specific loan, property, and location. 

Q: How much income is required for a mortgage in Denton?
A: There are no specific income requirements to qualify for a mortgage, but mortgage lenders do evaluate whether your income suffices to repay the amount you want to borrow. To determine if you’ll be eligible, mortgage lenders review your debt-to-income (DTI) ratio, credit score, and other factors.

Denton Texas first time home buyer sitting at desk completing mortgage application