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Now Lending in McKinney

McKinney home loans —
unique by nature.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across McKinney and Collin County. From the charming historic square to master-planned Stonebridge Ranch, we bring local guidance to one of the country's best places to live — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Collin County
McKinney Coverage
14 days*
Close In As Little As
$832,750
2026 Collin County Conforming Limit
5.0 ★
Google Review Rating
McKinney Markets

Local lending across
every McKinney neighborhood.

McKinney Neighborhoods

A beloved historic downtown plus acclaimed master-planned communities.

  • Historic Downtown McKinney
  • Stonebridge Ranch
  • Craig Ranch
  • Tucker Hill & Adriatica
Top-Ranked Suburb

A repeatedly top-ranked place to live with strong schools and home values.

  • Relocation & first-time programs
  • Jumbo financing for luxury homes
  • Collin County coverage
  • Minutes to US-75 & the Tollway
Every Kind of McKinney Buyer

From first homes to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Jumbo financing for luxury homes
  • Investment & rental properties (DSCR)
Historic DowntownStonebridge RanchCraig RanchTucker HillAdriaticaEldoradoTrinity FallsProvineWilmeth Ridge
Loan Programs in McKinney

Financing for every
kind of McKinney buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time McKinney homebuyers.

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VA Loans

0% down for McKinney's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for McKinney's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your McKinney investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for McKinney's self-employed borrowers.

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FAQ

McKinney mortgage
questions answered.

We serve homebuyers and homeowners throughout McKinney and Collin County, including Historic Downtown McKinney, Stonebridge Ranch, Craig Ranch, and Tucker Hill.
The 2026 conforming loan limit is $832,750 in Collin County, including McKinney. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
McKinney borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your McKinney home journey?

Get pre-approved today — no cost, no obligation. McKinney borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825