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Now Lending in Irving

Irving home loans —
home of Las Colinas.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Irving and Dallas County. From canal-front living in Las Colinas to family communities in Valley Ranch, we bring local guidance to the center of the Metroplex — 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
Irving Coverage
14 days*
Close In As Little As
$832,750
2026 Dallas County Conforming Limit
5.0 ★
Google Review Rating
Irving Markets

Local lending across
every Irving neighborhood.

Irving Neighborhoods

A walkable urban center, master-planned communities, and an established downtown.

  • Las Colinas & the Urban Center
  • Valley Ranch
  • Downtown Irving
  • Hackberry Creek
Corporate-Corridor Convenience

A central location packed with corporate campuses between Dallas and DFW.

  • Relocation & first-time programs
  • New-construction & condo financing
  • Dallas County coverage
  • Minutes to DFW & the Toyota Music Factory
Every Kind of Irving Buyer

From first homes to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • Condo & townhome financing
  • Jumbo financing for Las Colinas luxury
  • Investment & rental properties (DSCR)
Las ColinasValley RanchDowntown IrvingHackberry CreekUrban CenterBear CreekPlymouth ParkSongUniversity Hills
Loan Programs in Irving

Financing for every
kind of Irving buyer.

FHA Loans

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

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VA Loans

0% down for Irving'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 Irving's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Irving mortgage
questions answered.

We serve homebuyers and homeowners throughout Irving and Dallas County, including Las Colinas, Valley Ranch, Downtown Irving, and Hackberry Creek.
The 2026 conforming loan limit is $832,750 in Dallas County, including Irving. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Irving 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 Irving home journey?

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

Start My Application Call (561) 299-5825