Mortgage lender in Collin County, TX

Buying in Collin County

Collin County, with its county seat in McKinney, also takes in Plano, Frisco, Allen, Wylie, Prosper and Celina. Collin County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Texas, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$563,500 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Texas Department of Housing and Community Affairs (TDHCA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Collin County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Collin County: Plano, Frisco and McKinney

Collin County has grown as fast as anywhere in the country. Plano and Allen are established suburbs; Frisco, McKinney, Prosper and Celina are where the new construction is. A builder purchase means reading the contract, tracking the deposit and matching the rate lock to the completion date.

Newer neighborhoods in Celina, Prosper and Princeton are often in a municipal utility district or a public improvement district. A utility district adds to the tax rate; an improvement district adds a yearly assessment that is paid like a tax. Both count in the payment, so we ask for them early. Many buyers are relocating with a corporate employer, often with an offer letter and a start date.

Collin County by the numbers

Median home value

$475,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.58% of home value a year: median tax bill $7,521 on a median value of $475,600 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

None. Texas has no real estate transfer tax (Texas Constitution, art. VIII, § 29)

Largest communities

Plano, McKinney, Frisco, Allen (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $475,600. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $563,500.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Texas

Closings in Texas are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Texas page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Collin County buyers ask

Texas notice. Texas residents: see the Texas complaint notice required by the Department of Savings and Mortgage Lending.

Limits shown are the 2026 FHFA and HUD figures for Collin County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.