Celina mortgage advisor

A focused first conversation.

1. Share the scenario. Purchase timing, property path — new construction along 380 or a resale near the square — and buyer profile.
2. Organize the file. Income, assets, ID, and construction details if a builder is in the picture.
3. Clarify the next move. Know what still needs review before an offer goes in.

What Tony asks before you make an offer in Celina.

1. Scenario. Is this a primary home, second home, or investment property? Are you weighing a builder's offer against outside financing, or considering a resale? Tony starts with what you are actually trying to do.
2. Timeline. Are you touring now, planning to offer this month, or looking farther out? For new construction, note the estimated completion date and whether the contract sets financing or rate-lock deadlines.
3. Buyer type. First-time buyer, repeat buyer, veteran, self-employed, relocating, or purchasing with another borrower — each path can change the documents and questions that come next. Buyer type is context, not a verdict; program fit still requires review.
4. Down payment range. Share the down payment range you are considering and the funds you expect to use. Tony can then identify what must be documented — reserves, gifts, or sale proceeds may need a closer look. Keep sensitive account details out of unsecured messages.
5. Builder details. For a Celina new-construction offer, capture the base price, options, earnest money, lender or title conditions, incentive expiration, and estimated completion. The headline credit is only one part of the comparison.

New construction: compare more than the incentive.

With new-build communities growing fast along the 380 corridor, builder incentives are common — and commonly misunderstood. Put the entire offer side by side before comparing financing paths — conventional, FHA, or VA.

• Sales contract. Price, upgrades, earnest money, option terms, and completion estimate — read the builder timelines twice.
• Incentive conditions. Who must provide financing or title services, and when it expires.
• Closing picture. Estimated cash needs, documented funds, credits, and timing changes between contract and keys.
• Plan B. What happens if construction moves, a lock expires, or your funds change.

Local note: Roadwork and construction schedules can change — check current US 380 project information alongside your financing timeline. Review local US 380 project context

A plain-English document checklist.

• Pay stubs — recent records showing employer, pay period, and year-to-date income.
• W-2s or 1099s — recent annual income records that match how you are paid.
• Bank statements — recent complete statements for the funds you expect to use; keep every page.
• Government-issued ID — a current photo ID; share sensitive documents only through an approved secure channel.

Celina mortgage questions, answered directly.

How should I compare new construction with a resale home in Celina, TX?

Compare the full financing picture — price, incentive, lender and title conditions, closing costs, property details, timeline, and rate-lock timing — not just the advertised incentive. In Celina, new-build communities and resale homes near the historic square can carry very different appraisal, repair, and closing considerations. Tony can help organize the questions for your scenario. This page does not quote rates or recommend one property over another.

What documents may a self-employed buyer need for a Celina mortgage prequal?

Start with identification, recent personal and business tax returns when applicable, year-to-date profit-and-loss information, recent business and personal bank statements, and 1099s or other income records. The exact request depends on the loan program, business structure, ownership percentage, and income pattern. Because much of Celina's market is new construction, flag the builder's estimated completion date early so the file stays ahead of the build.

What is the difference between a prequal and a preapproval for a Celina home purchase?

A prequal is an early conversation based on the information you provide. A preapproval generally includes a more complete review of income, assets, credit, and supporting documents. Neither is a final loan approval or a commitment to lend; final approval depends on underwriting, the property, and program requirements.

A named advisor. A clear line of contact.

Tony Botchev · Mortgage Loan Originator — serving Celina, TX buyers. Call or text +1-945-300-4002, or email info@dfwhome.loans.

NMLS #114198 · Sponsored by The Loan Factory · NMLS #320841 · Office: 3333 Preston Rd Ste 300 #1570, Frisco TX 75034 · Equal Housing Opportunity