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Now Lending in Plano

Plano home loans —
the corporate heart of Collin County.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Plano and Collin County. From luxury homes in West Plano to walkable Legacy West, we bring local guidance to one of the country's top suburbs — 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
Plano Coverage
14 days*
Close In As Little As
$832,750
2026 Collin County Conforming Limit
5.0 ★
Google Review Rating
Plano Markets

Local lending across
every Plano neighborhood.

Plano Neighborhoods

Top-rated master-planned communities, corporate campuses, and a historic downtown.

  • West Plano & Willow Bend
  • Legacy West
  • Downtown Plano
  • East Plano
Corporate-Relocation Hub

A magnet for corporate headquarters with top schools and strong home values.

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

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

  • First-time & move-up buyers
  • New construction & townhomes
  • Jumbo financing for West Plano luxury
  • Investment & rental properties (DSCR)
West PlanoWillow BendLegacy WestDowntown PlanoEast PlanoPrestonwoodDeerfieldHunters GlenLos Rios
Loan Programs in Plano

Financing for every
kind of Plano buyer.

FHA Loans

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

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VA Loans

0% down for Plano'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 Plano's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Plano mortgage
questions answered.

We serve homebuyers and homeowners throughout Plano and Collin County, including West Plano, Willow Bend, Legacy West, Downtown Plano, and East Plano.
The 2026 conforming loan limit is $832,750 in Collin County, including Plano. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Plano 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 Plano home journey?

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

Start My Application Call (561) 299-5825