Mortgage lender in Denton County, TX

Buying in Denton County

Denton County, with its county seat in Denton, also takes in Lewisville, Flower Mound, Little Elm, The Colony, Corinth, Argyle and part of Frisco. Denton 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. Denton 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.

Denton County: from Lewisville Lake to the university town

The southern part of the county, including Lewisville, Flower Mound, Highland Village and The Colony, is established suburbs around Lewisville Lake. Little Elm, Aubrey, Northlake and Argyle, farther north, are largely new construction, where the rate lock has to match the builder’s completion date.

Many of the newer neighborhoods are in a utility or improvement district that adds a tax or yearly assessment on top of the regular property taxes; we include it. Denton itself is a university city, and near the campuses you should tell us whether a home is for you or will be rented to students. Toward Sanger and Pilot Point, properties come with acreage, wells and septic systems.

Denton County by the numbers

Median home value

$437,200 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.61% of home value a year: median tax bill $7,055 on a median value of $437,200 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

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

Largest communities

Denton, Lewisville, Frisco, Carrollton (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $437,200. 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 Denton 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 Denton County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.