Sound financing. Sound counsel.

Understanding your options is the first step toward the right home — and the right loan.

Loan Programs

Options for every buyer.

There is no single "right" mortgage — only the one that fits your situation. We will help you understand the choices and connect you with trusted advisors who know this market.

Most Common

Conventional

Best for buyers with strong credit and 5 to 20 percent or more down. Typically offers the lowest long-term cost and no mortgage insurance with 20 percent down.

  • Down payment 3 to 20 percent
  • Best rates with 740+ credit
  • No upfront mortgage insurance at 20 percent
First-Time Buyers

FHA

Government-backed financing — ideal for first-time buyers or those with lower credit scores. More flexible qualification requirements.

  • Down payment as low as 3.5 percent
  • Minimum credit score of 580
  • Includes mortgage insurance premium
Military & Veterans

VA

An exclusive benefit for qualifying veterans, active military, and surviving spouses — one of the strongest mortgage products available.

  • Zero down payment
  • No private mortgage insurance
  • Competitive interest rates
Rural & Suburban

USDA

A zero-down option for eligible rural and suburban properties. Some DFW communities qualify — please ask if yours does.

  • Zero down payment
  • Income limits apply
  • Geographic eligibility requirements
Luxury Properties

Jumbo

For properties above conforming loan limits. We work with lenders who specialize in high-value DFW transactions.

  • Loans above $766,550
  • Requires excellent credit
  • Typically larger down payment
Texas Specific

Down Payment Assistance

Several Texas programs help qualified buyers with down payment and closing costs. Please ask what may apply.

  • TDHCA My First Texas Home
  • Homes for Texas Heroes
  • Local municipality programs
Preferred Lenders

Advisors we trust.

These are the advisors we work with most often. Each one knows this market, communicates clearly, and closes on time. Reach out directly and let them know The Maddern Team sent you.

Senior Loan Officer

Whitney Cavender

SWBC Mortgage

NMLS #1090854

Senior Loan Officer

Jeff Pritchard

CrossCountry Mortgage

NMLS #997637

Branch Manager

CJ Moss

The Moss Group at Benchmark Mortgage

NMLS #1514404

Loan Officer

Denise Donoghue

The Mortgage Nerd Group at Benchmark Mortgage

NMLS #513250

We receive no compensation for these referrals. You are free to choose any lender you wish, and we are glad to work with whomever you select.

Begin the Conversation

Questions about financing?

We are happy to answer questions and point you in the right direction.

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