Your Trusted Mortgage Advisor in Celina, TX

Tony Botchev is a licensed mortgage loan originator (NMLS #114198) and the founder of DFW Homes & Loans, serving homebuyers throughout Celina, Prosper, Frisco, McKinney, and the greater North DFW area. With a career spanning nearly two decades in the mortgage industry, Tony has built a reputation for trust, transparency, and putting clients first.

Unlike large corporate lenders where you are just a file number, working with Tony means you have a dedicated advisor who knows your name, understands your goals, and is personally invested in your success. He takes the time to explain every step of the mortgage process, ensuring you feel confident and informed from pre-approval through closing.

Tony's approach is refreshingly straightforward: listen first, educate second, and then explore options together. There are no high-pressure sales tactics and no rushing to close. The right loan at the right time matters more than any commission. This client-first philosophy has earned Tony the trust of hundreds of families across North Texas.

As a licensed mortgage loan originator operating under NMLS #114198, Tony maintains the regulatory standards and continuing education requirements mandated by both federal and Texas state lending authorities. He stays current on changes to loan programs, underwriting guidelines, and compliance requirements so that his clients receive accurate, up-to-date advice throughout the lending process.

DFW Homes & Loans works with a wide range of borrowers across North DFW, each with distinct needs and goals. Tony tailors his guidance to fit your specific situation rather than applying a one-size-fits-all approach.

First-time homebuyers make up a significant portion of our clients. Many are young professionals and families moving to Celina, Prosper, or Frisco for the quality schools and growing communities. Tony walks first-time buyers through every step, from understanding how much house they can afford to explaining closing costs, escrow accounts, and what to expect on move-in day. Programs like FHA loans with lower down payment requirements and conventional loans with competitive rates are common starting points for these buyers.

Move-up buyers who have outgrown their current home often need guidance on coordinating the sale of an existing property with the purchase of a new one. Tony helps these clients understand bridge financing options, how existing equity can be leveraged, and the timing considerations that come with buying and selling simultaneously in active markets like McKinney and Frisco.

Homeowners considering a refinance work with Tony to evaluate whether a rate-and-term refinance or cash-out refinance makes sense based on their current loan terms, remaining balance, and financial objectives. Not every refinance saves money once closing costs are factored in, and Tony provides an honest analysis so you can make an informed decision.

Real estate investors rely on Tony for financing on rental properties, DSCR loans, and multi-unit acquisitions. Investor lending has unique underwriting requirements, and Tony's experience with these programs helps investors structure deals that meet lender guidelines while supporting their portfolio growth strategy.