Celina, TX · Collin & Denton County
Celina is one of North Texas's fast-growing communities. New master-planned communities, builder incentives, acreage estates, and award-winning Celina ISD are pulling executives, athletes, and growing families north of Frisco and Prosper. Whether you're financing a $500K Light Farms home, a $2M Mustang Lakes estate, or a custom build on Celina acreage, we work with buyers here as a local lender, without the national-call-center runaround.
Median Home Price
$675K (custom estates & acreage $1M–$4M)
Zip Codes Served
75009 · 75078
Market Profile
One of North Texas's fast-growing communities — Light Farms, Mustang Lakes, Cambridge Crossing, and Celina ISD pulling families, executives, and pro athletes north of Frisco and Prosper.
Local Celina-area lender — headquartered minutes south, not a 1-800 number.
Hands-on familiarity with Light Farms, Mustang Lakes, Cambridge Crossing, Sutton Fields, Wells, Creekside Estates, and Green Meadows.
We'll review any builder lender offer side by side with yours.
Full program menu — conventional, jumbo, super-jumbo, FHA, VA, doctor/professional, bank-statement, and one-time-close construction loans.
Comfortable from first-time buyers in Sutton Fields all the way to $4M custom estates on Celina acreage.
Direct access to Steven Kent — former MLB pitcher turned mortgage advisor. You call, he answers.
New construction runs on a different clock than a resale purchase. A home that is months from completion raises a real question: when should you lock your rate? Locking early protects you if the market moves against you, but a longer lock can carry a cost, and a build that slips past its lock date may need an extension. We map your lock strategy to the builder's realistic completion schedule, check in as framing, drywall and final walk-through milestones arrive, and revisit the plan if the timeline shifts.
Many builders offer incentives tied to using their affiliated lender. Those incentives can be worth having, and they can also come with trade-offs that are easy to miss in a sales office. You have the right to choose your own lender. Before you decide, ask the builder to put the incentive terms in writing, including what changes if you finance elsewhere, then let us lay the full loan picture side by side — rate, fees, credits and closing costs — so you choose with the whole scorecard in front of you.
If the builder is offering a buydown or closing-cost credit, we'll show you how it fits with your loan options, including programs for self-employed buyers and Non-QM paths when traditional documentation doesn't tell your full story.
Explore buyer programs: Earned Equity Program · HomeSimple buyer program
For baseball players planning a home purchase, explore The Player’s Mortgage Playbook.
Talk directly with Steven Kent — former MLB pitcher and DFW's jumbo specialist.
Steven Kent NMLS #1621847 · All Western Mortgage NMLS #14210. Subject to credit, underwriting, property and program guidelines. Not a commitment to lend.
Talk with Steven Kent about your options — no obligation.
Get My Rate QuoteSteven Kent NMLS #1621847 | All Western Mortgage NMLS #14210