Mortgage Broker in Collin County, TX | Wayne Wallace NMLS #745186

If you’re buying or refinancing a home anywhere in Collin County, TX, you deserve a mortgage broker whose knowledge of this market runs deeper than a zip code lookup. I’ve lived in Collin County for a combined 28 years — in Plano, McKinney, and Celina — and I’ve watched this county transform from a quiet suburban corridor into one of the most economically dynamic regions in the United States. Whether you’re buying in an established neighborhood in Plano, a master-planned community in Frisco, a new-construction home in Celina or Prosper, or a rural property on the county’s northern fringe, I bring 27 years of mortgage experience and genuine local roots to every loan I close here.

A Personal Connection That Spans Generations

My history in Collin County is not recent. I grew up in Plano from 1970 to 1982, watched McKinney evolve from a small county seat into a major city, and spent years originating loans across the county’s full range of communities. In 2024, I moved back to Celina — a deliberate choice rooted in my belief in this community and a desire to raise my youngest children where I once grew up.

My family connections in Collin County go back several generations, with deep roots in both Celina and McKinney. I have watched the northern tier of the county — once entirely agricultural — become the fastest-growing corridor in the nation. That perspective shapes how I approach every loan in this market.

When I sit across from a buyer in Collin County, I’m not reading from a market report. I know the difference between the school districts, the HOA structures, the builder incentive patterns, the USDA eligibility lines, and the appraisal dynamics — because I’ve navigated them all for decades.

The Collin County Real Estate Market

Collin County is one of the most diverse and resilient real estate markets in Texas, spanning everything from established luxury neighborhoods in West Plano to rapidly developing master-planned communities in Celina, Anna, and Melissa. The county-wide median home price sits near $484,000 as of early 2026, though that number masks enormous variation — West Plano’s 75093 ZIP commands medians near $790,000, while newer communities in the northern tier offer entry points well below $400,000.

The market has shifted toward balance after the peak years of 2021–2022. Inventory has expanded across most sub-markets, days on market have lengthened, and buyers now have meaningful negotiating room — particularly in new-construction-heavy areas like Celina, Prosper, and Anna, where builder incentives are active. Established sub-markets like Plano and Allen continue to move quickly with limited resale inventory.

Collin County has attracted over 120 corporate relocations to the DFW area over the past five years. Major employers anchored here include Frito-Lay, Toyota Financial Services, Liberty Mutual, AT&T (relocating its global HQ to Legacy Drive in Plano), and dozens of others. That corporate base creates a steady pipeline of high-income buyers and relocating families that underpins long-term housing demand across the county.

Communities I Serve Across Collin County

I originate loans across every community in Collin County, including Plano, Frisco, McKinney, Allen, Celina, Prosper, Wylie, Fairview, Murphy, Sachse, Anna, Melissa, Princeton, and Lavon. Each sub-market has distinct characteristics — price points, school districts, new vs. resale mix, USDA eligibility — and I bring market-specific knowledge to every transaction.

Loan Programs for Collin County Home Buyers

Why Work with a Local Collin County Mortgage Broker?

Collin County is not one market — it’s a dozen distinct sub-markets with different pricing dynamics, loan program eligibility, school district structures, and builder relationships. A lender who doesn’t understand the difference between a Celina address that’s USDA-eligible and one that isn’t, or which Frisco ZIP codes trigger jumbo requirements, is working at a disadvantage.

As an independent broker with access to multiple wholesale investors and 28 years of personal history in this county, I bring a level of market fluency that no national call center can match. I stay personally involved from application to closing — no hand-offs, no surprises, and no generic advice that ignores the specific dynamics of where you’re buying.