McKinney · Collin County, TX
Mortgage lender in McKinney, TX.You call, I answer.
I'm David Nguyen — Mortgage David — a Senior Loan Officer with Premier Lending working with McKinney buyers, homeowners and agents. If you searched for a mortgage lender near you, here's the short version: a real person, an honest number, and updates you never have to chase.
A local mortgage lender for McKinney buyers and homeowners
McKinney covers a lot of ground — historic homes near the downtown square, established neighborhoods off Eldorado, and new construction pushing north and east. The right loan looks different in each one, so we start with your plans instead of a rate sheet.
New-build purchases here often come with long timelines and builder incentives that only make sense if someone explains the tradeoffs. I walk through them with you before you sign, not after.
I've been lending since 2018, and the whole business runs on one standard: you can reach me. My cell, same-day answers, and the truth about your file even when it isn't the easy answer.
Call or text (214) 794-9100 and you'll talk to me, not a queue.
Neighborhoods I lend in
- Historic Downtown McKinney
- Trinity Falls
- Stonebridge Ranch
- Craig Ranch
- Wilmeth Ridge & north McKinney new construction
- McKinney ISD and Prosper ISD neighborhoods
McKinney is home turf, but not a limit — I finance homes throughout North DFW and the greater Dallas–Fort Worth Metroplex.
(214) 794-9100Who I help in McKinney
First-time buyers
We start with a payment you're comfortable with — not the maximum a calculator allows — and map the down payment and closing costs in plain English.
New construction buyers
Long build timelines, rate-lock windows and builder lender incentives all interact. I lay out the real math so you can compare offers honestly.
Growing families moving up
Selling one home while buying another is the most stressful part of a move. We sequence it so both closings work.
Investors and second homes
Investment financing has its own down payment and reserve requirements. You'll know them before you're under contract.
Payment calculator
Estimate your monthly payment in McKinney
Run the numbers on a McKinney purchase yourself — price, down payment, rate, taxes, insurance and HOA. Adjust anything; nothing here is locked to a sales script.
Estimated monthly payment
$3,881
Loan amount $440,000 · 30-year term at 6.5%
- Principal & interest
- $2,781
- Property taxes (estimate)
- $825
- Homeowners insurance
- $200
- HOA dues
- $75
Estimates only, for planning. Not a loan approval, rate quote, or commitment to lend. Actual rate, taxes, insurance, and mortgage insurance depend on your credit, the property, and current market pricing. Want the real number? Call or text me at (214) 794-9100 and I'll price it out for you.
Why McKinney clients and agents keep calling me back
I answer the phone
No call centers, no 1-800 hand-offs. You get my cell and you get me — evenings and weekends included.
See your file anytime
You and your agent get portal access showing the exact stage of your loan, who is working on it, and how to reach them.
Everyone stays updated
Scheduled updates to you, your buyer's agent, the listing agent and title so nobody is guessing what happens next.
Details handled early
I sweat the underwriting details up front so surprises don't show up a week before closing.
Lending across the Dallas–Fort Worth Metroplex
McKinney is home turf, but my work isn't limited to it. I finance homes throughout North DFW and the wider Metroplex — and if your purchase sits outside it, call me anyway and I'll tell you straight whether I can help.
Let's talk
Call or text me. I'll pick up.
Whether you're two years out or under contract tomorrow, one conversation will tell you exactly where you stand.
(214) 794-9100Prefer to text? Send me a message