Home
Mortgage Rates
Mortgage Pre-Approval
Home
Mortgage Rates
Mortgage Pre-Approval
More
  • Home
  • Mortgage Rates
  • Mortgage Pre-Approval
  • Home
  • Mortgage Rates
  • Mortgage Pre-Approval

Garland Mortgage Rates — Challenge Us to Beat Your Quote

Find out how much you could save on your Garland mortgage with access to lower wholesale pricing. 

Free Lower Rate Quote

Is Buying a Home in Garland Affordable Right Now?

Average Home Price in Garland

Average Home Price in Garland

Average Home Price in Garland

$341,167

About 37% more affordable than the Dallas County average 

Median Household Income

Average Home Price in Garland

Average Home Price in Garland

$71,729

Garland’s median income goes further with home prices about 37% lower than the Dallas County average. 

Home Price Change (YoY)

Average Home Price in Garland

Home Price Change (YoY)

+0.82%

Home prices up 0.82% year-over-year — steady growth keeps Garland affordable for first-time homebuyers. 

Garland, TX Mortgage Rates

Estimate Your Garland Closing Costs in Seconds

 Buying a home in Garland, TX? Our free Closing Cost Calculator gives you a quick estimate of what you’ll need at the closing table. From lender fees to title charges, get a clear breakdown designed for Garland homebuyers so you can plan your budget with confidence. 

Calculate My Closing Costs

Garland Mortgage Company

Garland Mortgage Broker

At Competitive Home Lending, we offer competitive mortgage rates and a streamlined home loan process, ensuring you get the best possible deal and move into your new home faster.

  • Competitive Mortgage Rates:  Save thousands on your Garland home loan with a below market mortgage rate. We work with the nation's best mortgage lenders to secure the most competitive mortgage loan options in Garland.
  • Streamlined Home Loan Process:  Our home loan process is designed to be efficient and stress-free, allowing you to focus on the exciting parts of Garland homeownership.
  • Garland Expertise:  Benefit from our in-depth knowledge of the Dallas housing market and personalized guidance throughout your home buying journey.

Garland Mortgage Loan Programs

Garland Conventional Loans -  Great rates with as little as 3% down. 

Garland FHA Loans -  Low down payments and flexible qualification. 

Garland VA Loans -  100% financing for eligible veterans. 

Garland HELOC -  Access equity for improvements or debt consolidation. 

Garland Construction Loans -  Buy before you sell with flexible timing solutions. 

Garland Closing Cost Calculator

Buying a home in Garland is an exciting journey!  Competitive Home Lending's free closing cost calculator provides an estimate, empowering you to make informed decisions. Gain valuable insights into potential closing costs and approach your Garland home purchase with confidence. 

Garland Mortgage FAQs

Buying a home in Garland, TX comes with plenty of questions about credit scores, down payments, and loan options. Our Garland mortgage FAQ covers what local homebuyers need to know before applying — from FHA and VA loan requirements to how fast you can close. 

Most mortgage programs start around 620, but some options allow lower scores. FHA loans typically go down to 580, and in certain cases even lower with strong compensating factors. VA loans can approve borrowers with credit scores as low as 500. Our team can review your situation and match you with the best program for your current score. 


Typically 1–2% of the home price. Use our free Closing Cost Calculator to estimate yours. 


Yes — several FHA and city-based programs offer assistance. We’ll help you match to the right one. 


On average, 21 days from application to funding. 


A broker gives you access to multiple lenders and helps you find lower wholesale rates that banks don’t advertise directly. 


Contact Us

Get the best mortgage rate in Garland!

Current Retail Offer
Attachments (0)

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Competitive Home Lending

Garland, Texas, United States

972.440.2150

Hours

Mon

08:15 am – 06:45 pm

Tue

08:15 am – 06:45 pm

Wed

08:15 am – 06:45 pm

Thu

08:15 am – 06:45 pm

Fri

08:15 am – 06:45 pm

Sat

By Appointment

Sun

By Appointment

Copyright © 2024 REH Competitive Investments LLC. dba Competitive Home Lending NMLS 1047944 - All Rights Reserved. TSML Complaint/Recovery Notice

  • Blog

Got a Rate Quote? Challenge Us to Beat It.

Don’t settle for retail mortgage rates. We offer homebuyers a lower wholesale option. No impact to credit — a quick comparison could save you tens of thousands over the life of your loan. 

Get My Lower Rate

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept