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Now Lending in Garland

Garland home loans —
the Metroplex's hometown.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Garland and Dallas County. From the revitalized downtown square to homes near Firewheel, we bring local guidance to this established Metroplex city — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Dallas County
Garland Coverage
14 days*
Close In As Little As
$832,750
2026 Dallas County Conforming Limit
5.0 ★
Google Review Rating
Garland Markets

Local lending across
every Garland neighborhood.

Garland Neighborhoods

An established hometown feel with a revitalized downtown and lakeside communities.

  • Firewheel
  • Downtown Garland
  • Duck Creek
  • Camelot & Club Hill
Affordable Metroplex Value

A well-located, value-driven market with easy access across the region.

  • First-time & relocation programs
  • New-construction financing
  • Dallas County coverage
  • Minutes to Lake Ray Hubbard & DART
Every Kind of Garland Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • FHA & VA financing
  • New construction & townhomes
  • Investment & rental properties (DSCR)
FirewheelDowntown GarlandDuck CreekCamelotClub HillEastern HillsOakridgeSherwood ParkBradfield
Loan Programs in Garland

Financing for every
kind of Garland buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Garland homebuyers.

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VA Loans

0% down for Garland's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Garland's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Garland investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Garland's self-employed borrowers.

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FAQ

Garland mortgage
questions answered.

We serve homebuyers and homeowners throughout Garland and Dallas County, including Firewheel, Downtown Garland, Duck Creek, and the Camelot and Club Hill areas.
The 2026 conforming loan limit is $832,750 in Dallas County, including Garland. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Garland borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Garland home journey?

Get pre-approved today — no cost, no obligation. Garland borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825