Business Details
Trusted Mortgage Services in Frisco, TX
The Decker Group, part of First United Bank Mortgage, has established itself as a trusted leader in Texas and Oklahoma mortgage services. Our team of experienced mortgage bankers prioritizes customer needs, offering tailored solutions for home purchases, refinancing, construction, and renovations. With in-house underwriting and streamlined processes, we deliver competitive rates and fast closings while maintaining transparent communication throughout every transaction.Our commitment to excellence is reflected in our personalized approach, ensuring clients receive expert guidance from prequalification to closing. Recognized for our low closing costs and local market expertise, we serve first-time buyers and seasoned investors alike, fostering long-term relationships built on trust and results.
Services
Purchase Loans
Refinance
Construction Loans
Renovation Loans
FHA Loans
VA Loans
Jumbo Loans
DSCR Loans
Civil Service Programs
Teacher/School Employee Loans
Highlights and features
- We offer some of the lowest mortgage rates available in Texas.
- Our responsive team prioritizes customer interests with transparent communication.
- We provide a wide variety of mortgage programs including FHA, VA, and jumbo loans.
- In-house underwriting ensures faster processing and fewer delays.
- Our team combines local market knowledge with decades of combined experience.
What people say
Exceptional guidance
Efficient team
Quick responses
Smooth process
First-class service
Services
Purchase Loans
We offer tailored purchase loan options for first-time buyers and investors, including fixed-rate and adjustable-rate mortgages with terms from 15 to 30 years. Our competitive rates and flexible down payment options help clients achieve homeownership. Our team guides clients through every step, from prequalification to closing.
Refinance
Our refinance programs help clients reduce monthly payments, shorten loan terms, or access home equity. We specialize in conventional refinancing and FHA Streamline options for qualified borrowers. Our in-house processing ensures a seamless transition with minimal documentation requirements.
Construction Loans
We provide specialized financing for new home construction, including lot loans and one-time-close mortgages. Our dedicated construction lending team manages projects from approval through permanent financing conversion. Competitive rates and flexible terms support custom homebuilding projects.
Renovation Loans
Our renovation loan programs combine refinance options with home improvement financing, allowing clients to include renovation costs in their mortgage. We offer both first-lien and second-lien solutions for property upgrades and repairs.
VA Loans
We specialize in VA-guaranteed loans for active-duty members, veterans, and eligible spouses. These programs offer low or no down payment options without monthly mortgage insurance. Our team assists with eligibility verification and streamlined application processes.
People
Kelly Decker
Mortgage Banker
With over 1,000 successfully closed transactions and a Master's in Business, Kelly combines deep mortgage expertise with personalized service. He leads our team in delivering tailored financing solutions while maintaining direct client communication throughout the loan process.
Katie Ringo
Mortgage Consultant
Bringing nearly a decade of mortgage industry experience, Katie specializes in client education and documentation management. Her expertise ensures smooth loan approvals and clear communication for first-time and repeat homebuyers.
Questions
What mortgage programs are available for first-time homebuyers?
We offer FHA loans with low down payments, conventional loans with flexible requirements, and specialized programs for educators and civil service professionals.
How can I check current mortgage rates?
Call (972) 591-3097 or complete our online rate request form for a customized quote with today's rates.
What is a one-time-close construction loan?
This program combines construction financing and permanent mortgage into a single loan, simplifying the building process with one closing event.
Do you offer jumbo loans for high-value properties?
Yes, we provide jumbo loan options for properties exceeding conforming loan limits, with competitive rates for luxury home financing.
How long does the mortgage approval process take?
Prequalification takes minutes, while full approval typically requires 21-30 days, depending on documentation and property appraisal timelines.
Can I refinance with bad credit?
Our team evaluates each situation individually, but most refinance programs require minimum credit scores of 620 for conventional loans and 580 for FHA loans.
