No junk fees. Wholesale rates. And direct access to the two people who built this company — Ken Turkington and Kirk Chivas have been working together since 1997, and they personally handle every Texas loan. Flower Mound is one of the most consistently desirable addresses in the Dallas-Fort Worth metroplex, and in a market this competitive, having a lender who can move fast and price aggressively is a real advantage when you're writing an offer.
Homes in Flower Mound are selling in roughly three to four weeks, inventory is tight, and prices have continued to climb. Whether you're buying your first home here, moving up within Lewisville ISD, or financing a jumbo purchase near Lake Grapevine, First Commerce Financial brings wholesale rates, same-day pre-approvals, and a zero junk fee commitment to every Flower Mound transaction.
Get Pre-Approved — It's FreeKen Turkington and Kirk Chivas co-founded First Commerce Financial in 2007 after starting their mortgage careers together in 1997. We're licensed in Texas alongside Michigan, Florida, and Arizona, and when you call or text, you reach one of the two founders directly — not a call center, not a junior loan officer.
In a fast-moving market like Flower Mound, that matters. When you're up against multiple offers and a listing that will be under contract in under a month, you need a lender who can issue a real pre-approval quickly, answer questions the same day, and structure your loan to compete.
The Flower Mound Market in 2026
Flower Mound sits in southern Denton County, roughly 25 miles northwest of downtown Dallas and about 20 miles northeast of Fort Worth, with access along FM 2499 and FM 1171. That location — close enough to both employment centers to work as a genuine commuter suburb, with lake access and an intentionally planned feel — is a large part of why demand here stays strong.
The numbers reflect it. Depending on the data source, the median sale price is running roughly $640,000 to $650,000 in mid-2026, up around 4% from a year ago, with homes typically going under contract in under four weeks and inventory sitting around three months of supply — well below the roughly six months that marks a balanced market. Priced correctly, well-presented homes here can sell in a matter of days.
In a Fast Market, Your Pre-Approval Is Part of Your Offer
When listings move this quickly, sellers and their agents look closely at how strong your financing is. A real pre-approval — with your income, assets, and credit actually reviewed by an underwriter, not just an online estimate — carries far more weight than a soft pre-qualification. We issue same-day pre-approvals for qualified Flower Mound buyers so you can make an offer with confidence the moment the right home hits the market.
Don't Forget Texas Property Taxes
Texas has no state income tax, but property taxes are significant — combined rates in DFW-area communities are commonly around 2% of assessed value or higher, and they're built into your monthly escrow payment. Some newer communities also carry additional special-district taxes. A payment that looks comfortable on principal and interest alone can look very different once taxes and insurance are added, which is why we build the full monthly payment into every Flower Mound pre-approval rather than quoting P&I only. Texas also offers a homestead exemption and an annual appraisal cap on qualifying primary residences, which can meaningfully change your long-term carrying costs.
Flower Mound Communities & Highlights
🏫 Lewisville ISD & Argyle ISD
Flower Mound students attend schools primarily in Lewisville ISD and Argyle ISD, and school boundaries are a major driver of demand and pricing. Which district a specific address falls in is one of the first things to confirm before you get attached to a home.
🏗 Established Master-Planned Neighborhoods
Flower Mound is organized around roughly 15 distinct neighborhoods and dozens of registered homeowners associations, with most housing stock built since the 1990s. HOA dues and rules vary widely by community and belong in your payment calculation from the start.
🌊 Lake Lewisville & Lake Grapevine
Proximity to Lake Lewisville and Lake Grapevine is part of Flower Mound's lifestyle appeal. Lake-adjacent and view properties often price at a premium and may push loan amounts toward jumbo territory.
🚜 Commuter Access to Dallas & Fort Worth
Flower Mound's location makes it a practical base for professionals working in Plano, Frisco, Las Colinas, downtown Dallas, or Fort Worth, with strong demand from relocating families across the metroplex.
Loan Programs for Flower Mound Buyers
Conventional Loans
The most common choice for Flower Mound buyers with solid credit. Competitive wholesale rates, available with as little as 3–5% down, across the price points that make up most of the market.
Jumbo Loans
With a median price in the mid-$600Ks, a large share of Flower Mound homes fall at or above the 2026 conforming limit of $806,500. We access competitive jumbo pricing from multiple wholesale lenders — often better than what retail banks quote.
New Construction Loans
Builder rate locks, extended closing timelines, and preferred-lender incentives all need to be compared honestly against a wholesale rate. We run that comparison for every new construction buyer before you sign anything.
FHA & VA Loans
FHA offers 3.5% down for buyers with credit scores as low as 580, and VA offers zero down with no PMI for eligible veterans and active-duty buyers. In a competitive market, we structure these loans to be as strong as possible against conventional offers.
Second Home & Investment
Flower Mound's steady demand and rental appeal make it attractive for investors and second-home buyers. We finance second homes, and DSCR investment loans that qualify on rental income rather than personal income.
Refinance
Rate-and-term or cash-out refinancing for existing Flower Mound homeowners. Join our Rate Watch System and we'll notify you personally the moment refinancing makes financial sense for your specific loan.
Frequently Asked Questions
What is the median home price in Flower Mound?
As of mid-2026, Flower Mound's median sale price is running roughly $640,000 to $650,000 depending on the data source and time frame, up around 4% from a year earlier. Prices vary meaningfully by neighborhood, school district, lot size, and proximity to the lakes, so the number for the specific area you're considering can look quite different from the citywide median.
Is Flower Mound a buyer's or seller's market right now?
It currently leans toward sellers. Homes are typically going under contract in under four weeks, and supply is around three months — well below the roughly six months that indicates a balanced market. That doesn't mean buyers can't succeed, but it does mean preparation matters: a strong pre-approval, a clear budget, and the ability to move quickly when the right home appears.
Will I need a jumbo loan to buy in Flower Mound?
Possibly. The 2026 conforming loan limit for Denton County is $806,500, and with a median price in the mid-$600Ks, plenty of homes — particularly larger properties, lake-adjacent homes, and newer construction — land at or above that threshold depending on your down payment. We access jumbo pricing from multiple wholesale lenders, so you're not limited to a single bank's jumbo product.
How do Texas property taxes affect what I can afford?
Significantly. With no state income tax, Texas funds much of local government through property taxes, and combined rates in the DFW area are commonly around 2% of assessed value or higher. Those taxes are collected through your monthly escrow, so they directly affect your payment and your debt-to-income ratio. We build realistic tax and insurance estimates into every pre-approval so the number you plan around reflects your true monthly cost.
Do you serve buyers relocating to Flower Mound from out of state?
Yes — relocation buyers are a significant part of our Texas business. Texas's lack of a state income tax, strong job market, and Flower Mound's schools and lifestyle continue to draw buyers from across the country. We can pre-approve you remotely and coordinate with your Flower Mound real estate agent from wherever you're starting.
Looking for a Texas mortgage broker who serves the whole state?
First Commerce Financial is licensed throughout Texas. Ken and Kirk handle every Texas loan personally — wholesale rates, zero junk fees, and same-day pre-approvals for qualified buyers across the state.
Texas Mortgage Broker — See All Markets We Serve →Ready to Buy in Flower Mound?
Talk directly with Ken or Kirk — wholesale rates, zero junk fees, and same-day pre-approvals for qualified buyers. In a market where good homes go under contract in weeks, being ready before you find the house is the best move you can make. No pressure, no obligation.
Get Your Free Pre-Approval TodayOr call or text us directly at (248) 459-5511
First Commerce Financial | Licensed Texas Mortgage Broker | NMLS #137512 | Serving Flower Mound, Denton County, the Dallas-Fort Worth metroplex, and all of Texas
