Skip the big bank delays. We offer DFW families guaranteed 21-day closings, highly competitive rates, and zero broker junk fees. As a direct lender with in-house underwriting, your path to the closing table starts right here in North Texas.
Est. Monthly Payment
Your Rate
5.99%
Trusted by Dallas Families
Faster than any national lender. We know the Dallas County title process inside and out.
Updated every 15 minutes.
Use our free calculators to plan your purchase or refinance before you apply.
We stripped away the bank bureaucracy. Here is your new path home in Dallas.
Sync your bank data securely. No PDFs or faxing tax returns.
Get a verified approval letter that is as good as cash to Dallas sellers.
Sign 90% of docs online. Show up to a local title company for the keys.
Don't talk to a generic call center. Work with licensed Texas executives rooted right here in the Metroplex.
Branch Manager NMLS #182937
David specializes in Corporate Relocations for tech professionals moving into the Silicon Prairie who need flexible DTI structuring.
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Senior Loan Officer NMLS #837492
Sarah is an expert in Frisco new builds and down payment assistance programs, ensuring a smooth path to homeownership.
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Jumbo Loan Specialist NMLS #294857
Marcus handles high-net-worth structuring and Jumbo loans, getting complex Highland Park and Uptown files cleared through underwriting fast.
Let's TalkWe're local. Drop by for a coffee and a rate quote.
Buying a home in the Dallas area requires a lender who understands the unique pace and complexities of the Central Texas market. From strict property tax assessments in Dallas County to writing winning offers in multiple-bid scenarios, STX Lending provides the local advantage you need.
"We were relocating to Dallas for a new role at Toyota Headquarters and needed to close fast on a home in Plano. STX Lending not only beat the rates we were quoted by a national bank, but their team handled our strict timeline seamlessly. We closed in 15 days and beat out five other offers because our approval was rock solid."
Every buyer is different. We match you with the program that saves the most money — not the one easiest for us to sell.
As low as 3% down for DFW buyers with strong credit. Perfect for Highland Park, Las Colinas, and Uptown Dallas homes.
Finance Highland Park and Preston Hollow properties above the conforming limit with our competitive in-house Jumbo programs.
$0 down for veterans and active duty in the DFW Metroplex. No private mortgage insurance, ever.
Down payments as low as 3.5% with flexible credit requirements — great for first-time Dallas buyers entering the market.
Finance your Frisco, McKinney, or Allen new build with a one-time-close construction loan. One closing, no hassle.
Leverage your Dallas home equity under Texas's unique 80% LTV cash-out rules. We structure these correctly every time.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Dallas County with homestead exemption math built in.
Estimate my property taxSTX Lending is licensed across all of Texas — find your city below.
Every buyer is different — browse all programs or talk to an advisor.