Buy Your First Home in Frisco, TX

One of Frisco’s most affordable neighborhoods with excellent balance of amenities and value. Highly rated schools, parks, and easy highway access make it ideal for first-time buyers.

Popular with young families and first-time buyers seeking value. Walking trails, community pools, and proximity to shopping centers. One of Frisco’s best-kept secrets for affordability.

Newer community that’s quickly become popular with first-time buyers. Modern homes, community-focused amenities, resort-style pool, and clubhouse. Near Dallas North Tollway for easy commuting.

Frisco’s urban heart with walkable design, townhomes, and condos. Near Toyota Stadium, dining, and entertainment. Perfect for young professionals wanting city-style living in the suburbs.

Luxury community experience without country club fees. Top-rated Frisco ISD schools, hiking trails, community pools, and excellent appreciation potential for first-time buyers wanting to invest.

Located at the intersection of Frisco, Allen, Plano, and McKinney. Resort-style pools, splash pads, and miles of trails. Award-winning Frisco ISD schools and homes by top builders.

Why Frisco Is Perfect for First-Time Buyers

Frisco has transformed from a small town to one of America’s most desirable cities—and for good reason. Home to PGA of America headquarters, the Dallas Cowboys’ practice facility at The Star, and the upcoming Universal Studios theme park, Frisco combines economic opportunity with family-friendly living.

With award-winning Frisco ISD schools (consistently rated A+), strong job growth from major corporate relocations, and new construction options, Frisco delivers premium suburban living. The recent market cooldown means first-time buyers finally have negotiating room!

City of Frisco DPA

Frisco’s signature program—0% interest, forgivable after 5 years. For City of Frisco or Frisco ISD employees purchasing in Frisco city limits.

• ✓ Income ≤$144,567 required
• ✓ Max purchase price $563,500
• ✓ 8-hour HUD homebuyer class
• ✓ Forgivable 20%/year over 5 years

TSAHC Programs

Statewide Texas programs—grants or forgivable second liens up to 5% of loan amount for eligible buyers.

• ✓ Home Sweet Texas (all buyers)
• ✓ Homes for Texas Heroes
• ✓ Grant or forgivable 2nd lien
• ✓ 620+ credit score typically

My First Texas Home

TDHCA program offering competitive rates with down payment assistance for first-time Texas homebuyers.

• ✓ 30-year fixed-rate mortgage
• ✓ Below-market interest rates
• ✓ Income and purchase limits apply
• ✓ Stackable with MCC

Mortgage Credit Certificate

Federal tax credit worth 20% of your annual mortgage interest—can save thousands per year!

• ✓ Can stack with DPA programs
• ✓ Saves $2,000-$4,000/year
• ✓ Valid for life of loan
• ✓ First-time buyers preferred

FHA Loan

• ✓ Credit scores 580+ accepted
• ✓ Gift funds for down payment
• ✓ Higher DTI ratios OK
• ✓ Seller pays up to 6% costs

Conventional 97

• ✓ Credit scores 620+ typically
• ✓ PMI removable at 20%
• ✓ No upfront mortgage insurance
• ✓ Competitive interest rates

VA Loan

• ✓ Veterans & active duty
• ✓ No monthly PMI
• ✓ Competitive rates
• ✓ Seller pays closing costs

New Construction

• ✓ Builder incentives available
• ✓ Energy-efficient homes
• ✓ Low maintenance
• ✓ Modern floor plans

Education-First Approach

We explain everything clearly—no jargon, no pressure. You’ll understand every option before making decisions.

Veteran-Owned & Operated

Retired Army Captain bringing military values of integrity, service, and dedication to every transaction.

DPA Experts

We know every Frisco and Texas assistance program—and help you stack them for maximum benefit.

Direct Lender Power

Movement Mortgage’s dedicated team means faster processing, competitive rates, and on-budget closings.

On-Time Closings

We close when we say we will. Movement Mortgage’s team structure keeps you on track.

Lender for Life

Annual real estate reviews to help you build wealth—your success doesn’t end at closing.

“We moved from California and were overwhelmed by the DFW market. Adam’s team helped us understand Frisco’s neighborhoods and found us a beautiful home in Panther Creek. His education-first approach made everything so much clearer!”

“As a Frisco ISD teacher, I qualified for the city’s DPA program. Adam’s team walked me through every step and helped me close on a townhome in Frisco Square. I never thought I could afford Frisco on a teacher’s salary!”

“My wife and I are both veterans, and working with Adam—a fellow Army officer—felt right. He got us into a new construction home in Hollyhock with a VA loan, zero down, no PMI. The communication was incredible throughout!”

How much home can I afford in Frisco?

Frisco’s median home ($655K) requires about $200K annual income with conventional financing. More affordable neighborhoods like Panther Creek and The Trails offer homes in the $425K-$575K range, requiring around $130K-$175K income. We’ll help you find YOUR comfort zone.

How do I qualify for Frisco’s $10K DPA?

The City of Frisco DPA is for employees of the City of Frisco or Frisco ISD. You need income at or below $144,567, first-time buyer status, purchase within Frisco city limits (max $563,500), and complete HUD homebuyer education.

Is now a good time to buy in Frisco?

Yes! Frisco prices are down 8.4% from last year, and homes are staying on market 23 days longer (85 days vs 62). This gives first-time buyers more negotiating power and time to make thoughtful decisions—a rare opportunity in this competitive market.

What are the most affordable Frisco neighborhoods?

The Trails ($425K-$575K) and Panther Creek ($450K-$600K) offer the best value for first-time buyers. Frisco Square has townhomes starting around $400K. All feature great schools and community amenities.

What if I don’t work for the City or Frisco ISD?

No problem! Texas statewide programs like TSAHC (Home Sweet Texas, Homes for Texas Heroes) offer up to 5% down payment assistance regardless of employer. We’ll find the programs you qualify for.

I’m a veteran—what are my options?

VA loans are perfect—0% down, no PMI! Plus, Texas Homes for Texas Heroes offers additional grants for veterans. As a veteran-owned business, we’re VA loan experts and understand military family needs.