North Dallas Mortgage Broker
Mortgages for people the banks find complicated.
हिंदी · తెలుగు · English
Buying in Frisco, Plano or Prosper? I'm Kamesh Vai Sista — a mortgage broker in Celina who can walk you through every step in the language you think in.
No credit pull. Takes about two minutes.
The first conversation
Fifteen minutes, no credit pull
You do not need documents ready, and nothing gets submitted anywhere. We just work out where you actually stand.
- What you can comfortably afford each month
- What you need saved — usually less than you think
- Which loan programs fit your situation
- An honest answer on whether this year makes sense
Start where you are
Which of these sounds like you?
Most people who call me have been told no once already, or are afraid to ask. Neither is a good reason to keep renting.
It's your first home here
How much you really need saved, what the monthly number actually includes, and how family can help with the down payment without creating a problem at underwriting.
Start from the beginningYou're 1099 or corp-to-corp
Your CPA minimised your taxable income. A bank sees a small number and stops reading. I reconstruct what you actually earn.
How self-employed income is readYou're newer to the country
No US credit history yet, work authorisation with an expiry date on it, or a down payment coming from family overseas. All of it is workable with the right lender.
What you'll need to qualifyThe difference that matters
A decline from one lender is not a decline from the market.
This is the single most useful thing to understand about working with a broker, and it matters most for exactly the borrowers banks handle worst — anyone self-employed, anyone new to the country, and anyone whose paperwork needs reading rather than scanning.
A bank has one rulebook
Their underwriter reads your file against a single set of guidelines. If your EAD expires in eight months, that's the answer — no.
I have several
Through The Mortgageist Inc. I submit to UWM, Pennymac, Sun West and others. Their guidelines differ in exactly the places that decide a difficult file — how income is documented, how long you have been self-employed, and where a down payment came from. One decline is not the market's answer.
Closed in the last couple of years?
If a builder bought your rate down, your payment steps up on a date you can look up.
It is already in your loan documents. There are three things you can do about it and more room to do them three months out than three weeks out.
Strategy
Rates are easing
Bond yields are testing resistance — the window is open.
30 Yr Fixed
7.40%
APR 7.46%
15 Yr Fixed
6.71%
Conventional
10Y Treasury
5.10%
Benchmark
The Spread
2.30%
+0.00% wk/wk
Live from FRED · Refreshed Oct 18, 2026, 12:58 AM CT
Market Data Disclosure: Mortgage rate data is sourced from the Federal Reserve Bank of St. Louis (FRED) Primary Mortgage Market Survey®. These are national weekly averages for conforming loans. They are not a quote, and not the rate you would be offered — your own rate depends on your credit, your down payment, the property and the loan you choose. 10-Year Treasury Yields represent daily market close values.
APR Disclosure: Annual Percentage Rate (APR) estimates displayed above assume a standard loan scenario with 20% down payment and typical closing costs.
Not an Offer to Lend: These figures are for informational purposes only and do not constitute an offer to lend or a guarantee of an interest rate. Actual rates and APRs will vary based on your specific credit score, loan-to-value ratio, debt-to-income ratio, property type, and market conditions at the time of lock. Rates are subject to change daily without notice.
How it goes
Three steps, no mystery
You should know what happens next at every point. If you ever don't, I haven't done my job.
A real conversation
Fifteen minutes, in English, Hindi or Telugu. What you earn, what you have saved, what your status is, and where you want your kids in school.
Options, priced
I shop your file across lenders and bring back actual numbers — rate, monthly payment, cash to close — not a range. You see the trade-offs side by side.
Clear to close
A document list, a timeline, and my mobile number. You text me, not a call centre, and you hear back the same day.
The whole thing week by week — what you do, what I do, and where files actually go wrong.
Where I work
The North Dallas corridor
I live in Celina. I know which ISD boundaries are about to move, which neighbourhoods carry MUD and PID taxes, and what a builder will actually concede in December.
Frisco
Frisco ISD
The centre of gravity for North Dallas tech families. Frisco ISD ratings drive most of the search, and inventory moves fast in the $500k–$900k band.
Plano
Plano ISD
Established neighbourhoods, mature trees, and shorter commutes to the Legacy corridor. More resale than new build, which changes the negotiation entirely.
Prosper
Prosper ISD
Larger lots and newer construction. Builder incentives here are often worth more than a quarter-point of rate — if you know to ask before you sign.
Celina
Celina & Prosper ISD
Where I live. Fastest-growing city in the country by percentage, which means new inventory, motivated builders, and MUD/PID taxes you need to model properly.
Run it yourself
Calculators built on real loan math
The same engine I use to structure actual files. No email gate — use them, and reach out only if you want the numbers priced for real.
Market Insights
What's actually happening
The 2026 Outlook: Buying a Home in Texas on a Visa (H-1B, L-1, TN)
2025 was the year of rule changes for visa holders. 2026 is the year of execution — the Conventional market is wide open for global talent.
Dec 19, 2025 · 3 min read
The Sound of Silence: Catching a Falling Knife or Seizing Opportunity?
I visited 15 open houses across Celina, Prosper and North McKinney in one weekend. Almost every driveway was empty. Here's what that silence actually means.
Dec 13, 2025 · 7 min read
How's 2025 Real Estate at the end of 2025 in Celina, TX?
National headlines say the sky is falling. Drive through Celina and you see cranes and 'Coming Soon' signs. Here's the truth, using the V.A.I. Method.
Dec 12, 2025 · 2 min read
Why me
You will not be file number 400.
I'm building this business one family at a time, which means you get my mobile number and an answer the same day. That is not a line — it's the actual advantage of working with someone whose reputation is still being written.
- You get my mobileText me. Evenings and weekends included.
- In your languageHindi, Telugu or English — whichever is easier.
- Multiple lendersUWM, Pennymac, Sun West and more, shopped for your file.
- Your neighbourI live in Celina. My kids will go to these schools too.