Plano, Frisco and McKinney — our heaviest jumbo and new-construction county.
Collin County runs an effective total property tax rate of roughly 1.8% – 2.4% depending on your school district, city and any municipal utility district. On a $400,000 home that band alone is a swing of several hundred dollars a month — more than a quarter point of interest rate moves the payment. Values are set by the Collin Central Appraisal District, and we escrow from the actual rate for your specific parcel, not a county average.
We are licensed across Texas and lend in every part of Collin County. Our files here concentrate in Plano, Frisco, McKinney, Allen and elsewhere. Run your own numbers in the Payment Lab with the tax rate above before you set a price ceiling.
A pre-qualification is a conversation. A pre-approval means a licensed broker has reviewed your income, assets and credit before you write an offer — and in McKinney that difference decides which offers sellers take seriously.