Business Details
Your Trusted Mortgage Partner in Frisco, TX
The Decker Group is a team of dedicated mortgage professionals committed to providing tailored home financing solutions for clients across Texas and Oklahoma. With a focus on competitive rates and personalized service, we specialize in a wide range of mortgage programs, including conventional, FHA, VA, jumbo, and construction loans. Our in-house underwriting and processing streamline the lending experience, ensuring timely closings and minimal delays. Led by experienced professionals like Kelly Decker, our team prioritizes client needs through transparent communication and expert guidance. We serve first-time homebuyers and seasoned investors alike, offering flexible terms and innovative financing options to meet diverse financial goals.Our commitment to excellence is reflected in our track record of satisfied clients and industry recognition. By combining local market knowledge with national lending standards, we deliver reliable, customer-centric services that build long-term trust. Whether purchasing, refinancing, or renovating, clients benefit from our dedication to simplifying complex mortgage processes. Our accolades from clients highlight our responsiveness, attention to detail, and ability to exceed expectations in every transaction.
Services
Mortgage Refinancing
Home Purchase Loans
Construction Loans
Renovation Financing
Jumbo Loans
FHA Loans
VA Loans
DSCR Loans
Civil Service Loans
Teacher/School Programs
Highlights and features
- We offer some of the lowest mortgage rates available in Texas.
- Our team provides in-house underwriting to expedite the closing process.
- We specialize in a wide variety of Texas mortgage programs, including VA and FHA loans.
- Our mortgage experts maintain superior communication throughout every transaction.
- We have decades of combined experience serving first-time homebuyers and investors.
What people say
Best in the business
Efficient team
Smooth process
Knowledgeable and professional
First-class job
Services
Mortgage Refinancing
Our mortgage refinancing services help clients reduce monthly payments, consolidate debt, or access home equity. We offer competitive rates and streamlined processes for Texas and Oklahoma homeowners. Our team ensures transparent guidance from application to closing.
Home Purchase Loans
We provide tailored home purchase loans for first-time buyers and investors. Options include fixed-rate, adjustable-rate, and low-down-payment programs. Our local expertise simplifies Texas and Oklahoma real estate transactions for all buyer types.
Construction Loans
Our construction loans support custom home building projects. We offer one-time-close options and interim financing with competitive rates. Dedicated specialists guide clients through every phase of their construction process in Texas and Oklahoma.
Renovation Financing
We specialize in renovation financing solutions that combine refinance options with home improvement funding. Our programs help Texas and Oklahoma homeowners upgrade properties while maintaining favorable loan terms and competitive interest rates.
VA Loans
Our VA loan program offers no-money-down options for eligible veterans and service members. We provide expert guidance on VA eligibility requirements and ensure competitive rates for purchase or refinance transactions across Texas and Oklahoma.
People
Kelly Decker
Mortgage Banker
Kelly Decker leads The Decker Group with over 15 years of mortgage industry experience. He holds a Master's degree in business and has helped 1,000+ families achieve homeownership. Kelly prioritizes client needs and transparent communication.
Katie Ringo
Mortgage Specialist
Katie Ringo brings nearly a decade of mortgage expertise to The Decker Group. Her roles in various lending functions ensure exceptional client service. Katie specializes in guiding clients through complex loan approval processes efficiently.
Questions
What mortgage programs are available for Texas first-time homebuyers?
We offer FHA loans with low down payments, conventional loans with flexible terms, and VA loans for eligible veterans. Our team helps first-time buyers navigate these options to find the best fit.
Can I refinance my mortgage if I have bad credit?
Our underwriters evaluate each case individually. While credit score impacts loan terms, we offer specialized programs and work with clients to improve eligibility through our transparent consultation process.
How long does the mortgage approval process take?
Prequalification takes minutes, while full approval typically requires 30-45 days. Our in-house processing expedites timelines, with some clients closing in as little as three weeks for qualified applicants.
Do you offer construction loans for custom homes?
Yes, we provide one-time-close construction loans and interim financing for custom builds. Our specialists guide clients through each phase from land acquisition to permanent mortgage conversion.
What sets The Decker Group apart from other lenders?
We combine local market expertise with national lending capabilities, offering competitive rates, in-house underwriting, and personalized service. Our 98% client satisfaction rate reflects our commitment to transparency and communication.
