Full-service Fort Worth lender underwriting all loans in-house, offering conventional, FHA, VA, USDA, and jumbo programs with a focus on clear communication and fast closings.
Standard loan not backed by the government. Best rates go to borrowers with strong credit and 20% down. With less than 20% down PMI is required until you reach 20% equity. Available in 10, 15, 20, and 30-year terms.
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Government-backed loan insured by the Federal Housing Administration. As low as 3.5% down with a 580+ credit score. More flexible qualifying requirements make this a popular choice for first-time buyers. Requires both upfront and monthly mortgage insurance (MIP).
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Exclusively for eligible veterans, active-duty service members, and surviving spouses. Zero down payment required, no monthly mortgage insurance, and highly competitive rates. A one-time VA Funding Fee applies. One of the best loan products available - if you qualify, use it.
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100% financing for eligible rural and suburban properties - zero down payment required. More North Texas properties qualify than most people realize including many in Parker, Hood, Wise, and Johnson counties. Income limits apply. Ask your lender if your target area qualifies.
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For loan amounts above the conventional conforming limit (currently $766,550 in most Texas counties). Typically requires stronger credit, larger down payment (10-20%), and more cash reserves. Rates are competitive but qualification standards are stricter.
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This is the one most buyers never hear about. DPA programs are available through Texas state, county, and city agencies and can cover part or all of your down payment and sometimes closing costs too. Income and purchase price limits apply but many buyers are surprised to find they qualify. Ask your lender specifically about DPA programs available in your area - it could be the difference between renting and owning.
The lenders listed are trusted partners of Carl Cooper and are provided as a courtesy resource. You are not required to use any of these lenders to purchase or sell a home. Broker commissions are not set by law and are fully negotiable.
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Saved Buyer Estimates
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Buyer Estimate
🏷 Home Price
$
💰 Down Payment
$
20% down • Loan: $320,000
📈 Interest Rate
%
Freddie Mac avg 6.66% (Aug 27, 2026) • Actual rate set by your lender
🎁 Seller Credit (optional)
$
⚙ Adjust Assumptions▼
Tax Rate %
%
Insurance Rate %
%
Default: 2% tax • 0.55% insurance • Verify with your county
3 Purchase Options
Compare payments and cash to close.
ESTIMATE ONLYThese figures are for informational purposes only. Actual costs vary based on lender, title company, and circumstances. Origination fee shown is an estimate - actual lender fees vary. Always consult your lender and title company for exact figures. Broker commissions are not set by law and are fully negotiable.
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Seller Estimate
🏷 Sale Price
$
🏠 Mortgage Balance
$
📈 Commission
Listing Agent
%
$
3% of sale price
Buyer's Agent
%
$
3% of sale price
📅 Closing Date (for prorated costs)
Estimated Net Proceeds
$0
What you take home after all costs
Sale Price
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Total Costs
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Commission
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Mortgage Payoff
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ESTIMATE ONLYThese figures are for informational purposes only. Actual costs will vary. Prorated taxes and interest are estimates. Broker commissions are not set by law and are fully negotiable. Always consult your agent and title company for exact figures.
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Home Maintenance Tracker
Set up your personalized maintenance calendar. Your progress is saved so you can build a complete home care record over time.
DISCLAIMER: This maintenance schedule is provided as a general guideline for informational purposes only. Tasks and timing are suggestions based on typical North Texas climate conditions and may vary depending on your specific home, location, and circumstances. Carl Cooper and Lynch Legacy Realty Group make no warranty regarding the completeness or accuracy of this information. Always consult a licensed professional before performing or scheduling home maintenance or repairs. Carl Cooper is a licensed real estate broker and is not a home inspector, contractor, or maintenance professional.
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