Your Local Mortgage Lender
Located in Frisco, Texas
Personalized Mortgage Experience
TheLoanDesign offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
Review The Process
Work with me to find your next home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Frisco, Texas.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Growing Family? Here’s Why It Might Be Time to Move Up
Growing Family? Here’s Why It Might Be Time to Move Up
Maybe you’ve recently welcomed a new baby into your home, or maybe you’re juggling toddlers and toys in every room. If your home suddenly feels a little tighter, you're not alone. For many growing families, adding a child also means rethinking their living space.
Patty Newby of theloandesign.grabthekeys.com/home often talks to clients who feel stuck between loving their current home and needing something that simply fits better. While the timing might not feel perfect, your expanding family could be the push you need to consider buying your next home.
From Diapers to Square Footage
It’s a funny thing. Babies are small, but they come with a surprising amount of gear. Cribs, strollers, high chairs, diaper stations, and toys quickly fill up rooms that once felt spacious. If your house is starting to feel like it's shrinking, it might not just be the baby monitors talking.
“You don’t realize how much space you really need until you’re tripping over baby stuff or trying to turn your dining room into a playroom,” Patty says. “That’s when many families start to think seriously about upgrading their home.”
Your Needs Have Changed, and That’s Okay
Whether this is your first child or your third, life changes fast when your family grows. What once worked for two people might not work as well for a family of three, four, or more. Extra bedrooms, larger living spaces, or even a yard for the kids can make a big difference in your quality of life.
Instead of trying to make your current space work, it could be time to explore options that give your family room to breathe and grow.
You May Be Closer Than You Think
Many families assume they need to wait years to move up to their next home. But with the right loan options and a clear plan, that move could happen sooner than expected.
Patty works with buyers every day who are surprised to learn:
They may not need to sell their current home first
There are low down payment options, even for move-up buyers
Pre-approvals are simple and often don’t require a hard credit pull upfront
The right budgeting can make space for a bigger home without a huge jump in cost
Getting the numbers is often the first step toward making an informed decision, and there’s no cost or pressure to explore your options.
Final Thoughts
If you’re staring at a pile of diapers and wondering how such a tiny person created such a big need for space, it may be time to look at your next move. Your growing family deserves room to grow, and your next home might be closer than you think.
Reach out to Patty Newby at theloandesign.grabthekeys.com/home to run the numbers, look at smart loan options, and start planning the home that fits your family’s future.
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