Business Details
24 Years
experience
Your Trusted Mortgage Broker in Texas
North Dallas Mortgage, founded in 2002, is a Texas-based mortgage brokerage committed to serving residents across the state. As a woman-run small business, we prioritize competitive rates, low fees, and personalized service while maintaining a strong focus on integrity and trust. Our team leverages over two decades of experience to offer tailored loan solutions, including FHA, VA, USDA, Conventional, Refinance, and Cash Out Refinance options.We specialize in grant programs for first-time homebuyers and collaborate with home builders to facilitate new construction purchases. Our mission is rooted in ethical lending practices, transparency, and a dedication to simplifying the mortgage process for every client.
Services
Purchase Home Loans
Refinance Home Loans
Cash Out Refinance
VA Loans
FHA Loans
USDA Loans
Conventional Loans
First Time Homebuyers
Details
- Year established: 2002
Highlights and features
- We shop hundreds of lenders to find your best mortgage deal
- Specialize in home purchase loans with low down payment options
- Offer FHA, VA, USDA, and Conventional loans for all borrower types
- We've helped Texans secure mortgages for over 23 years
- Secure 256-bit encrypted online mortgage applications available 24/7
Associations and certifications
- NMLS (Nationwide Mortgage Licensing System)
- Texas Department of Savings and Mortgage Lending
What people say
Exceptional service
Professional and knowledgeable
Always available
Made the process easy
Highly recommend
Services
Purchase Home Loans
We specialize in residential purchase loans for primary residences, vacation homes, and investment properties. Our Texas-wide services include FHA, VA, USDA, and Conventional loan options with competitive rates. Our team guides borrowers through down payment assistance programs, credit qualification requirements, and closing cost management while maintaining an average 30-day closing timeline.
Refinance Home Loans
Our refinance solutions help Texas homeowners reduce monthly payments, shorten loan terms, or convert to fixed-rate mortgages. We offer no out-of-pocket closing cost options and specialize in streamlining the refinance process for VA, FHA, and Conventional loans while maintaining strict compliance with state regulations.
Cash Out Refinance
Access up to 80% of your home's equity through our cash-out refinance programs. These loans enable debt consolidation, home improvements, or major purchases with competitive rates. Our process includes PMI elimination analysis and customized repayment planning for Texas property owners.
VA Home Loans
We provide specialized VA loan services for active-duty military personnel and veterans. Our expertise includes entitlement verification, certificate of eligibility processing, and competitive rate negotiation. We maintain a 98% approval rate for VA loan applications while offering personalized guidance through the unique benefits of these zero-down mortgage programs.
FHA Home Loans
Our FHA loan program caters to first-time homebuyers with 3.5% down payment requirements and flexible credit standards. We provide comprehensive counseling on mortgage insurance premiums, seller contribution limits, and property eligibility requirements across Texas markets.
People
Jenny Phung
President and Director of Operations
Jenny founded North Dallas Mortgage in 2002 and has originated over $500 million in residential loans. With 25+ years of mortgage experience, she leads our team in maintaining a 98% client retention rate through personalized service and ethical lending practices.
Questions
What loan programs do you offer?
We offer FHA, VA, USDA, Conventional, Refinance, and Cash Out loans with competitive rates across Texas.
How quickly can you close a mortgage?
Most transactions close within 30 days, with expedited options available for time-sensitive purchases.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs with down payment assistance and grant options.
Are your rates competitive?
We shop multiple lenders to secure the lowest available rates for each borrower's unique situation.
Can I apply online?
Yes, our secure 256-bit encrypted online application process works for all loan types.
Do you service all of Texas?
We provide mortgage services statewide, from El Paso to Houston and all communities in between.
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