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McKinney Mortgage Rates — See How Much You Could Save

See how much home you can afford in McKinney with lower wholesale rates and faster closings. 

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McKinney, TX — Home Affordability Snapshot (2025)

Average Home Price in McKinney

Median Household Income - McKinney, TX

Median Household Income - McKinney, TX

$552,026

About 3% more affordable than the Collin County average — offering strong value for North Texas buyers. 

Median Household Income - McKinney, TX

Median Household Income - McKinney, TX

Median Household Income - McKinney, TX

$120,273

 McKinney households earn roughly 38% more than the Collin County average — providing stronger buying power and excellent mortgage qualification potential.  

Home Price Change (YoY)

Median Household Income - McKinney, TX

Home Price Change (YoY)

-1.2%

 Average home prices in McKinney dipped slightly year-over-year — creating new opportunities for buyers to enter a strong Collin County market at more affordable price points.  

Estimate Your McKinney Closing Costs in Seconds

  Looking at homes in McKinney, TX? Our Closing Cost Calculator provides a simple, instant estimate of your expected fees. Get a clear view of lender, title, and other costs unique to McKinney so you can move forward with confidence. 

Calculate My Closing Costs

McKinney Mortgage Company

McKinney 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 McKinney 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 McKinney.
  • 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 McKinney homeownership.
  • McKinney Expertise:  Benefit from our in-depth knowledge of the McKinney housing market and personalized guidance throughout your home buying journey.

McKinney Mortgage Loan Programs

McKinney Conventional Loans

McKinney FHA Loans

McKinney VA Loans

McKinney HELOC

McKinney Construction Loans

McKinney Closing Cost Calculator

Buying a home in McKinney 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 McKinney home purchase with confidence. 

Qualify for a McKinney Home Loan

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Trusted McKinney Mortgage Broker Reviews and Testimonials

Why McKinney Homebuyers Choose Us

At Competitive Home Lending, we understand the needs of McKinney homebuyers. Whether you're buying your first home in Tucker Hill or upgrading in The Preserve at Mallard Lakes, our local expertise, wholesale mortgage rates, and fast closings give you a real advantage.
 

Unlike big banks, we offer personalized loan solutions with fewer fees and flexible underwriting. Plus, McKinney buyers may qualify for up to $3,000 in closing cost credits — available exclusively through   Competitive Home Lending.
 

From pre-approval to closing, we’re here to make your McKinney home purchase simple, affordable, and stress-free.                


Popular Neighborhoods and Zip Codes We Serve in McKinney


We proudly serve homebuyers throughout McKinney, TX — from established neighborhoods to up-and-coming communities. Whether you're buying your first home or upgrading, we provide personalized mortgage solutions for all areas including:
 

   ✅ 75070 – Includes Stonebridge Ranch, Craig Ranch, and McKinney Greens
   ✅ 75071 – Covers historic downtown McKinney, Trinity Falls, and surrounding areas
   ✅ 75069 – Southeast McKinney neighborhoods and access to Allen ISD zones
 

No matter where you're buying in McKinney, Competitive Home Lending offers low rates, fast closings, and up to $3,000 in buyer incentives.                  

Up to $3,000 in Closing Cost Help for McKinney Homebuyers

Buying a home in McKinney? We can help you save thousands. When you finance through Competitive Home Lending, qualified buyers may receive up to $3,000 in closing cost credits — a flexible incentive you can use toward lender fees, escrow charges, title expenses, and more.


This exclusive offer is designed to make homeownership in McKinney more affordable, whether you're buying in Adriatica Village or anywhere in 75072 or 75454.


✅ No hidden fees

✅ Use with Conventional, FHA, or VA loans

✅ Fast closings — usually within 3 weeks

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Get the best mortgage rate in McKinney!

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Competitive Home Lending

McKinney, 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

McKinney Mortgage FAQs

Buying a home in McKinney, TX? Our McKinney mortgage FAQ answers common questions about credit score requirements, FHA and VA loans, down payment programs, and closing timelines — all tailored for Collin County homebuyers. 

Most programs start around 620, but FHA loans often go down to 580, and VA loans can approve scores as low as 500. We’ll review your situation and connect you to the best McKinney lenders for your credit range. 

Expect about 0.75 - 1.5% of your home’s price in closing costs. On a median-priced McKinney home, that averages $4,100–$8,300, depending on your loan type and rate structure. Use our McKinney Closing Cost Calculator to estimate your total costs.  This is based on the average home price in McKinney of $546,755 in 2024.

Yes. Eligible McKinney buyers can access Texas statewide and local programs that help reduce upfront costs. We’ll guide you through available FHA and Conventional assistance options. 

Most McKinney home loans close in around 21 days. With local underwriting partners and streamlined processing, Competitive Home Lending keeps the process quick and simple. 

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

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

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