DFW Homes & Loans

DFW Homes & Loans Your Trusted Mortgage Advisor. Tony Botchev, Mortgage Loan Originator, NMLS #114198. Sponsored by Loan Factory, Inc., NMLS #320841.

Celina, Prosper, Anna, Melissa, Gunter, Aubrey, north Frisco, north McKinney.

I don’t work “all of DFW.” Celina, Prosper, Anna, Melissa, Gunter, Aubrey, Frisco, McKinney, the 380. If that’s your map...
08/30/2026

I don’t work “all of DFW.” Celina, Prosper, Anna, Melissa, Gunter, Aubrey, Frisco, McKinney, the 380. If that’s your map, call 945-300-4002. NOVA picks up.

Tony Botchev | NMLS #114198 · Loan Factory NMLS #320841 · Equal Housing Lender

08/18/2026

Self-employed borrower tip: organize the explanation before the underwriter asks. Tax returns, year-to-date profit and loss, bank statements, business deposits, and major account movements should tell a clear story.

Clean documentation can prevent deadline stress.

Educational content only. Tony Botchev NMLS #114198. Sponsored by Loan Factory, Inc. NMLS #320841. Not a commitment to lend, loan approval, rate quote, payment quote, or guarantee. All loans are subject to borrower qualification, documentation, property review, program guidelines, and underwriting. Equal Housing Opportunity.

08/17/2026

Builder incentive reminder: the advertised credit is only useful if the file can use it. Check contribution limits, eligible costs, appraisal support, tax assumptions, HOA/MUD/PID, and the closing timeline before treating the incentive like guaranteed savings.

Structure beats headline numbers.

Educational content only. Tony Botchev NMLS #114198. Sponsored by Loan Factory, Inc. NMLS #320841. Not a commitment to lend, loan approval, rate quote, payment quote, or guarantee. All loans are subject to borrower qualification, documentation, property review, program guidelines, and underwriting. Equal Housing Opportunity.

08/17/2026

Option-period financing check: if inspection findings create a repair request, seller credit, or price change, rerun the cash-to-close and underwriting review before signing amendments.

A contract change can look small and still affect the mortgage file.

Educational content only. Tony Botchev NMLS #114198. Sponsored by Loan Factory, Inc. NMLS #320841. Not a commitment to lend, loan approval, rate quote, payment quote, or guarantee. All loans are subject to borrower qualification, documentation, property review, program guidelines, and underwriting. Equal Housing Opportunity.

08/17/2026

Down payment myth: gift funds may be possible, but they still need documentation. Source, donor relationship, transfer trail, program rules, and timing can all matter.

Do not wait until the week of closing to ask how gift funds should be handled.

Educational content only. Tony Botchev NMLS #114198. Sponsored by Loan Factory, Inc. NMLS #320841. Not a commitment to lend, loan approval, rate quote, payment quote, or guarantee. All loans are subject to borrower qualification, documentation, property review, program guidelines, and underwriting. Equal Housing Opportunity.

08/17/2026

Monday buyer reset: do not compare every DFW home as if it is the same market. A resale in Frisco, a new build in Celina, and a move-up home in McKinney can carry different tax, HOA, appraisal, seller-credit, and timeline risks.

Segment the search first, then match the financing review to the property.

Educational content only. Tony Botchev NMLS #114198. Sponsored by Loan Factory, Inc. NMLS #320841. Not a commitment to lend, loan approval, rate quote, payment quote, or guarantee. All loans are subject to borrower qualification, documentation, property review, program guidelines, and underwriting. Equal Housing Opportunity.

08/17/2026

Relocating into North DFW? Build the mortgage review around the real move: commute windows, tax districts, HOA/MUD/PID, insurance, school-boundary checks, builder timelines, and how much cash needs to stay available after closing.

The house search and financing plan should match the same reality.

Educational content only. Tony Botchev NMLS #114198. Sponsored by Loan Factory, Inc. NMLS #320841. Not a commitment to lend, loan approval, rate quote, payment quote, or guarantee. All loans are subject to borrower qualification, documentation, property review, program guidelines, and underwriting. Equal Housing Opportunity.

Address

3333 Preston Road Ste 300 #1570
Celina, TX
75034

Telephone

+19453708656

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