Frisco Mortgage Company & Local Home Loan ExpertsCollin County Rates. Frisco-Focused Service.
Last updated September 3, 2026
ABS Home Mortgage, Inc. helps Frisco homebuyers, relocating professionals, and investors finance properties across Collin and Denton Counties - from The Star district and Frisco Square to Stonebriar, Lebanon, and the newest master-planned communities. Competitive rates and fast, local service.
Toll Free: 1-866-666-2378 (866-666-BEST)
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Why Work With a Frisco Mortgage Company?
Frisco's housing market has its own rhythms. A local broker understands the details that matter - from property taxes to neighborhood dynamics.
New Construction & Builder Coordination
Frisco is one of the fastest-growing cities in America. We work with builders across master-planned communities and can structure extended rate locks for new construction timelines.
Collin County Property Taxes
Frisco property taxes average 2.0–2.2% and vary by school district and MUD. We build accurate PITIA estimates using real tax rates and homestead exemptions.
Jumbo & Relocation Buyers
Frisco attracts high-income relocations and executive moves. We qualify jumbo buyers and offer flexible documentation for professionals transitioning between states or employers.
Investor-Friendly Programs
We offer DSCR loans and bank-statement programs for Frisco investors building single-family and short-term rental portfolios near The Star, Craig Ranch, and PGA Frisco.
Financing Homes in Frisco & Collin County
From The Star and Frisco Square to Stonebriar, Lebanon, and the newest master-planned communities.
Mortgage Rates in Frisco: How Your Quote Is Built
Frisco quotes are shaped by new-construction timing, Collin County taxes, and loan size. Here is what actually moves your number.
Collin County property taxes and PID/MUD
Frisco taxes are escrowed monthly, and some subdivisions add PID or MUD assessments. We use the actual bill for the address so your debt-to-income ratio and payment are accurate up front.
New construction and lock length
Builder timelines drive lock strategy. Extended locks and float-down options cost more than a standard 30-day lock, so we match the lock to a realistic completion date instead of paying for time you do not need.
Loan size and program
The 2026 conforming limit is $832,750; above it you are in jumbo pricing, common in Starwood, Newman Village, and The Trails. Doctor and Non-QM programs price on their own grids.
Occupancy and rental use
Primary residences price best. Second homes and rentals carry adjustments, and investor purchases often price better on a DSCR loan qualified on rent than on tax returns.
Rate information as of September 3, 2026 and subject to change without notice. Your actual rate depends on credit, loan amount, property type, occupancy, and program. This is not a commitment to lend. All loans subject to credit approval.
Competitive Mortgage Rates & Loan Programs in Frisco, TX
We shop the full loan menu to match your Frisco property and financial goals.
Conventional Loans
Competitive rates for Frisco buyers with strong credit - ideal for Stonebriar, Craig Ranch, and Phillips Creek Ranch purchases.
Jumbo Loans
Financing above conforming limits for luxury homes in The Trails, Newman Village, and custom builds above $750,000.
Doctor Loans
Special programs for physicians and executives relocating to the Baylor Scott & White, Texas Health, and Children's Health corridors.
FHA Loans
Low down payment options for first-time buyers in Frisco's entry-level and townhome communities.
VA Loans
Zero down for veterans and active-duty service members across Collin and Denton Counties.
DSCR Loans
Investor financing based on rental income for Frisco single-family rentals, townhomes, and short-term rentals.
Texas Cash-Out
Section 50(a)(6) cash-out refinance structured to Texas homestead rules.
Frisco Mortgage Tools & Resources
Explore loan programs, check today's rates, and run the numbers for your Frisco property.
Mortgage Calculators
Run payment, affordability, and refinance scenarios for any Frisco home.
All CalculatorsUnderstanding Collin County Property Taxes & Home Buying Math
The median home price in Frisco is currently around $560,000, and that number is only half the story. What decides your approval is the full monthly payment - principal, interest, taxes, insurance, and any HOA dues - measured against your gross monthly income.
Collin County and Denton County assess property differently, and effective tax rates in this market run near 2.05%. Two homes at the same price can carry monthly tax escrows that differ by several hundred dollars depending on the taxing district, school levy, and whether homestead or senior exemptions are in place. A newly built or recently reassessed home can also see its bill jump the year after closing, which is why we underwrite to the forward tax figure rather than the seller's current bill.
Local demand here is anchored by The Star (Dallas Cowboys headquarters), Toyota, Liberty Mutual, and JPMorgan Chase Legacy West campuses, Frisco ISD, and Baylor Scott & White Medical Center - Frisco. Strong school districts and employment centers hold values up, but they also push tax levies higher - a trade-off that shows up directly in your qualifying numbers.
In practical terms: every $250 of monthly property tax consumes roughly $250 of debt-to-income (DTI) capacity, which can reduce your maximum loan amount by tens of thousands of dollars. Most programs want your total DTI at or below 43-50% depending on loan type and compensating factors. We model your Frisco scenario with real county tax data, insurance quotes, and exemption timing before you write an offer - so your pre-approval holds up in underwriting instead of shrinking at the closing table.
Toll Free: 1-866-666-2378 (866-666-BEST)
Frisco Neighborhoods & Surrounding Areas We Serve
From starter homes to luxury properties and investor deals - we finance across the metro.
Surrounding areas we lend in: Plano, McKinney, Prosper, Little Elm, The Colony. Compare today's mortgage rates, run the numbers with our DSCR calculator and mortgage calculators, or request a Frisco rate quote.
Also serving Plano, McKinney, Allen, Little Elm, Prosper, Celina, The Colony, and the greater North Dallas corridor.
Trusted by Homeowners Across Texas
ABS Home Mortgage, Inc. has helped over 15,250 clients with more than $5 billion in funded loans. Our Texas team is known for fast responses, transparent advice, and competitive pricing.
Meet the TeamFrequently Asked Questions About Frisco Mortgages
Answers to common questions from Frisco homebuyers and investors.
Get Your Frisco Mortgage Quote Today
Start your pre-approval online or speak with a Frisco loan expert. No obligation, no hidden fees, and a pre-approval letter you can use right away.
Toll Free: 1-866-666-2378 (866-666-BEST)
ABS Home Mortgage, Inc. | NMLS ID #209985 | NMLS Consumer Access
ABS Home Mortgage, Inc. holds a Texas SML Mortgage Company License, NMLS ID #209985. Regulated by the Texas Department of Savings and Mortgage Lending.
Equal Housing Lender. Not a commitment to lend. Rates, terms, and programs subject to change without notice and subject to borrower and property qualification. See our licensing page for full details.