Dallas Mortgage Lender for Home Purchase & Texas Refinancing
A Division of Brazos National Bank!, Dream Home Mortgage has been a trusted name in the industry since October 1998. Based in Plano, TX, and Federally registered to conduct business in all 50 states, we have helped thousands achieve their American dream home mortgage. With over 28 years of experience, our Dallas mortgage lenders understand the highs and lows of the real estate market and remain committed to providing clients with personalized, reliable, and stress-free home loan solutions.
Most of our business comes from referrals, radio, print advertising, and social media, proving that transparent communication and client trust set us apart. Hussein Panjwani , Senior Mortgage Loan Originator, NMLS #334616, also hosts a popular talk show every Saturday at 3 PM on 104.9 F.M, a leading Indian Radio Channel in Dallas.
From VA loans to refinancing options, from jumbo programs to 15-year terms, Dream Home Mortgage is more than just a Dallas mortgage company — we are a nationwide partner committed to timely closings and stress-free service. Our Plano-based mortgage lenders ensure that every client gets the right program, competitive rates, and a smooth path to homeownership.
Homebuyers
We will help you find the right financing solutions to meet your needs.
Tailored financing solutions, just for you.
Today's Rates
We homeowners determine the right time to purchase or to refinance.
Homeownership made easier, smarter decisions.
Refinance
Lower rate. Lower monthly payment. See if you qualify.
Lower rate. Lower monthly payment. See if you qualify.
Ask an Expert
If you have any mortgage related questions, we have the answers.
Mortgage questions? We've got you covered.
"We Serve Borrowers Across the U.S. "
- We offer competitive mortgage rates based on your loan profile and program.
- We offer programs to borrowers with EAD Card and H1-B Visas
- We offer loans to borrower with ITIN # and No credit score
- We offer FHA and conventional mortgage options for borrowers with higher debt-to-income ratios , subject to loan eligibility and underwriting approval.
- We still have loans for borrowers with low fico scores of 580
- Refinance your Mortgage with us! We assess your existing mortgage and loan terms to help you identify pros and cons of refinancing!
- We pre qualify quickly and offer free consultations, while making a home buying experience hassle free, stress free, and magical ... easy & simple!
- We offer cash-out refinance , jumbo, FHA, VA, conventional and construction loans.
- Clear loan estimates and transparent cost information help minimize surprises at closing.
Qualify for a Mortgage
Using Rental Income
DSCR loans are designed for real estate investors who want to buy, refinance, or cash out rental properties without relying mainly on personal income documents.
- Qualify based on rental property cash flow
- No W-2s or tax returns required in many cases
- Great for rental homes, investment properties, and Airbnb-style income
Illustrative example only.
Terms vary
What Sets Us Apart from Other Mortgage Lenders?
The success of Dream Home Mortgage comes from personal involvement in every loan. As one of the best mortgage companies in Dallas and Federally registered to conduct business in all 50 states, our team works directly with processors and trusted Dallas mortgage lenders to help borrowers navigate the mortgage process with clear communication, personalized guidance, and coordinated support through closing.
Our expert mortgage lenders in Plano TX are available before, during, and after closing to answer questions and provide guidance. Clients rely on us for transparent service, competitive mortgage rates, and home mortgage loans designed to fit their unique needs.
We stand out among Dallas mortgage lenders with our rate lock renegotiation policy. If mortgage rates change after you lock, our team can review available rate-lock options based on your loan program and eligibility. If rates rise, you’re protected with your original lock. This proactive approach minimizes risk and ensures the best value, whether for a Texas mortgage refinance or a new home purchase.
Partnering with top mortgage companies in DFW, we deliver unmatched service and nationwide reach. From mortgage refinance in Dallas Texas to jumbo, VA, and first-time homebuyer programs, our clients always receive personalized solutions that support their American dream home mortgage.
Located in Plano, TX, we proudly serve clients across the U.S. You can book a free one-on-one consultation through Calendly.com with one of our loan officers, or call us directly at 972-430-3703 for immediate assistance.
With over 28 years of experience, Dream Home Mortgage continues to be a trusted Dallas mortgage company that values transparency, expertise, and lasting client relationships.
What are you waiting for
Get competitive mortgage rates, personalized loan options, and dedicated support throughout your home financing journey.
What Our Clients Say
I had a great experience with Dream Home Mortgage. The team is very professional and explained me the process, answered my questions, and kept me updated throughout the loan process. I appreciated their patience and attention to detail. I would...
Huge shoutout to the team at Dream Home Mortgage. Mr Hussein and his team are an absolute pleasure to work with. He and his staff are very kind, transparent, diligent and thorough with explaining reviewing all available loan options and...
Dream Home Mortgage went above and beyond to help us build and close our new home. Their team guided us through securing the best interest rate, maintaining the proper debt-to-income ratio, and provided non-stop communication among different parties. This comprehensive...
We had an exceptional experience working with Hussain and the entire team of Dream Home Mortgage. From start to finish they were incredibly supportive, responsive and approachable. No matter how many questions we had or how many times we asked...
I had a fantastic experience with the Dream Home mortgage services provided. The process was seamless from start to finish, and everything was clearly explained at each step. The team and specifically Mr. Hussein Panjwani was always available to answer...
Highly recommend working with DHM! They were easy to work with, readily available and addressed all of our concerns. They provided a calming experience and helped us with every step. Our home buying experience was less stressful only because of...
I has a wonderful experience buying a house with Dream Home Mortgage! Being a first time home buyer, they gave me great advice & helped me step by step throughout the entire process. I highly recommend this team to anyone...
Had an amazing experience working with Hussein and his team to purchase a home! Extremely professional and super quick to respond to make sure all the documents needed are ready to go. Hussein’s knowledge and eagerness to work to make...
“Hussein Panjwani and his team was the best thing that happened to us! Being Self-employed, they gave us the best options and we owe our dream home to them! Kudos to the most trustworthy mortgage advisor!”
“A big shout out to the Best Mortgage Advisor we came across! From pre-qualifying to stepping in our new house, they were there for everything! Our dream home wouldn’t have been possible without them!”
“Couldn’t be more grateful for the Best Mortgage Broker! They got us the best interest rates for our Credit score and we never thought our dream will come true with such ease!”
“As First Time Home Buyers, Dream Home Mortgage was a blessing for us! We had the best experience! Our mortgage consultant was extremely supportive and guided us all the way to make our dream come true!”
Mortgage insights
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FAQs
Pre-qualification is a quick review based on information you provide about your income, assets, and credit. Prequalify Now!
Pre-approval is more detailed: Dream Home Mortgage reviews your documents, pulls your credit, and issues a verified letter. This shows sellers you’re a serious buyer and can help close faster
Yes. Dream Home Mortgage can assist eligible borrowers across the U.S., so you can get a home loan anywhere in the USA. Start Your online application now!
Dream Home Mortgage provides more than 20 loan options, including:
- DSCR loans for real estate investors
Conventional fixed-rate and adjustable-rate mortgages (ARMs)
Jumbo and non-conforming loans
Self-employed loans (Self-employed mortgage options using alternative income documentation)
ITIN loans and solutions for borrowers with unique situations.
FHA loan programs may allow eligible borrowers with credit scores of 580 or higher to purchase a home with a down payment as low as 3.5%. Borrowers with scores between 500–579 may still qualify but need a 10% down payment. Conventional loans typically require a 620+ FICO. Dream Home Mortgage also offers flexible programs for self-employed borrowers or those rebuilding credit.
Yes. Dream Home Mortgage offers FHA, VA, and flexible loan programs for borrowers with less-than-perfect credit, subject to loan program requirements and eligibility.
Yes. H1-B holders can buy homes and get mortgages. Working with the best mortgage lenders for first-time buyers makes the process easier. Read More!
Dream Home Mortgage (DHM), a Texas-based mortgage lender, combines deep local market knowledge with access to multiple lenders. We help homeowners find the best refinance rates, simplify the process, and maximize savings, making refinancing smooth and stress-free. Refinance Now!
