Find out how much you could save on your Garland mortgage with access to lower wholesale pricing.
$341,167
About 37% more affordable than the Dallas County average
$71,729
Garland’s median income goes further with home prices about 37% lower than the Dallas County average.
+0.82%
Home prices up 0.82% year-over-year — steady growth keeps Garland affordable for first-time homebuyers.
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.
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.
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.
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.
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.
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 |
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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.
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