Buying or refinancing in McKinney? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving Collin County and all of Texas. A historic Collin County seat with booming new construction and established neighborhoods. You get wholesale rates from 25+ lenders and plain talk the whole way.
Low down payment options for primary homes in McKinney with competitive Collin County pricing.
Flexible credit and 3.5% down. Strong fit for first time McKinney buyers.
Zero down for eligible Texas veterans and active duty buyers in McKinney.
Higher balance financing for luxury and new construction McKinney homes.
Lower your rate, pull cash out, or drop mortgage insurance in McKinney.
Qualify on rental income, not tax returns, for McKinney investment property.
I know Collin County values, appraisers, and what it takes to win a McKinney contract.
You text or call me, not a 1-800 queue. Updates at every step.
Wholesale rates that often beat the bank down the street in McKinney.
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for McKinney depends on your credit, price point, and goals. A quick call sorts it out.
FHA can go to 580 and sometimes lower. Conventional usually starts around 620. With 25+ lenders I can place McKinney scenarios other shops turn away.
Many Collin County purchases close in 18 to 25 days when documents come in quickly. Refinances vary. I set a realistic timeline up front.
Apply in minutes or grab 15 minutes on my calendar. No pressure, just answers.
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. This McKinney guide reflects current Texas lending guidelines and local market knowledge.