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Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages · Last updated: October 13, 2026
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An Arlington mortgage broker compares many lenders for FHA, VA, conventional and investor loans in the middle of the Dallas–Fort Worth area. iQRATE Mortgages (NMLS 1862492) is licensed in Texas and shops more than 100 lenders on complex files. Tarrant County's 2026 limits are $832,750 conforming and $563,500 FHA, and the 2025 combined rate in Arlington with Arlington ISD was about 2.66%. Arlington allows short-term rentals only in a designated zone around its entertainment district, near AT&T Stadium and Globe Life Field. Full-doc loans close in about 17 days.
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5.0 stars from 87 reviews on Experience.com (October 2026) · Read David's reviews on Experience.com
Arlington sits between Dallas and Fort Worth, so many buyers commute both ways. It's a strong first-time buyer market with older, lower-priced homes in central and east Arlington and newer construction in Viridian and the south side. UT Arlington drives rental demand, and the stadium district is the one place short-term rentals are allowed.
Part of our Texas mortgage broker coverage. We're licensed in Texas under company NMLS 1862492 and work Arlington files from our Las Vegas office, closing with local escrow and title.
Neighborhoods and ZIPs we lend in: Viridian (76005), North Arlington (76006, 76012), Central Arlington and the UTA area (76010, 76013, 76019), South Arlington (76001, 76002, 76017, 76018), West Arlington (76016), and the Entertainment District (76011).
Texas basics that apply here: Texas has no transfer tax and no state income tax, and title insurance premiums are set by the Texas Department of Insurance. Property taxes are high and billed each October and paid in arrears, so lenders usually collect about 2–6 months of taxes into escrow at closing, depending on the closing month; the seller's prorated tax credit for the months they owned the home offsets part of that. Owner-occupants get the homestead exemption and a 10% cap on yearly appraisal increases after the first year. A cash-out loan on a homestead is limited to 80% of value under Section 50(a)(6). Statewide down payment help includes TSAHC (Homes for Texas Heroes, Home Sweet Texas) and TDHCA (My First Texas Home).
Closing costs are what it costs you to get the loan: origination, discount points, appraisal, and escrow and title. Cash to close also includes your prepaids (first-year homeowners insurance, daily interest to month-end, and an escrow deposit for your own future property taxes and insurance) plus your down payment. Prepaids aren't a cost of the loan; they're your own bills paid ahead. In Arlington, property-tax escrow (often 2–6 months, partly offset by the seller's prorated tax credit) and the first year of homeowners insurance are the main prepaids. Your actual closing costs depend on county, price and loan type, so we don't quote a one-size range: every line is itemized on your Loan Estimate, and our Bare Bones guarantee means we add no fees of our own. Compare states on our closing costs by state page.
Tarrant County: conforming $832,750 and FHA $563,500 for a one-unit home. FHA allows two to four units with 3.5% down if you live in one.
Conventional (as little as 3% down for eligible first-time buyers), FHA (3.5% down, 580+ score), VA (no down payment for eligible veterans with full entitlement), jumbo above the conforming limit, DSCR loans that qualify on rent, bank statement loans for self-employed borrowers, asset-based and 1099 loans, and rate-and-term or cash-out refinances. As a broker we compare wholesale lenders, more than 100 on complex files, instead of one bank's menu.
Terms for each are on its own page; see all iQRATE guarantees.
Only in the city's designated short-term rental zone around the Entertainment District and certain specified districts, with registration.
About $2.66 per $100 of value in 2025 with Arlington ISD, before exemptions. Mansfield ISD addresses differ.
$563,500 for a one-unit home in Tarrant County. The conforming limit is $832,750.
The city's program was paused as of October 2026, but statewide TSAHC and TDHCA programs are available.
Yes. A DSCR loan qualifies on the property's market rent and can close in an LLC.
Texas taxes are billed in October and paid in arrears, so lenders collect more months into escrow at some times of year. The seller's prorated tax credit offsets part of it.
Arlington ISD serves most of the city, but parts are in Mansfield, Kennedale and Hurst-Euless-Bedford ISDs, each with its own tax rate.
It can be, especially inside the designated STR zone, but underwrite it on rules that apply to that address.
Closing costs depend on the price, loan type and county, so yours are itemized on your Loan Estimate rather than quoted as a range. Closing costs are what it costs to get the loan (origination, points, appraisal, escrow and title). Cash to close also includes prepaids and your down payment; in Arlington, property-tax escrow (often 2–6 months, partly offset by the seller's prorated tax credit) and the first year of homeowners insurance are the main prepaids.
Most of our loans close in under 30 days. For eligible full-documentation conventional, FHA and VA purchases, our goal is 17 calendar days from signing initial disclosures.
Get My Custom Rate Now · or call (702) 766-3744
iQRATE Mortgages · NMLS 1862492 · 6360 S Rainbow Blvd Ste 101, Las Vegas, NV 89118 · Licensed in Nevada, California, Texas and Florida. David Ghazaryan, Mortgage Broker, NMLS 1486726. Verify us on NMLS Consumer Access. Equal Housing Opportunity. Programs, rates and terms change and are subject to credit, property and underwriting approval; local facts on this page come from the public sources below and are not legal or tax advice.
More: Texas mortgage broker · DSCR loans · Bank statement loans · Our guarantees · Closing costs by state
