If you’re buying a home in Sherman, TX, you deserve a mortgage broker who knows this community from the inside — not a lender who just discovered Sherman when Texas Instruments announced a semiconductor plant. I moved my family to rural Sherman after graduating from Texas Tech University, bought my second home here, and lived in this community for 20 years. My children attended Sherman and Tom Bean schools. And my family’s roots in Grayson County stretch back to the 1920s or earlier. I was here long before Sherman became the most-watched economic story in Texas — and I’ll be here long after the headlines move on.

20 Years in Sherman — and a Century of Family History

After finishing at Texas Tech, I made a deliberate choice: move my family to rural Sherman, TX — a community I believed in — and put down roots. I bought my second home here and raised my children in this town. They attended Sherman and Tom Bean schools, played on local fields, and grew up knowing their neighbors. That’s not a marketing point. That’s my life.

My connection to Sherman and Grayson County goes even deeper than my own story. My family’s roots in this area stretch back to the 1920s or earlier, with ties running through the communities and families that have shaped this county for generations. When I sit across from a buyer in Sherman, I understand not just the market — I understand the place. The neighborhoods, the history, the people, the land.

There is no shortcut to that kind of knowledge. You can’t download it. You can’t move here last year and claim it. It comes from decades of living, working, and raising a family in a community you genuinely love.

The Sherman, TX Real Estate Market: The Biggest Story in North Texas

Sherman is in the early stages of one of the most significant economic transformations in Texas history. Texas Instruments is constructing multiple 300-millimeter semiconductor wafer fabrication plants in Sherman representing an investment of approximately $30 billion. GlobalWafers America has committed $5 billion for a silicon wafer manufacturing facility. Additional investments from Coherent, Tyson Foods, and others have layered in hundreds of millions more. The Texas Legislature formally recognized Sherman’s significance with a Senate Resolution in 2025 celebrating Grayson County Day at the State Capitol.

Critically, the housing demand story is still in its early chapters. As of mid-2025, only about 20% of the TI fabrication plants were operational. The full employment ramp — projected at 5,000+ direct jobs with median incomes well above the local average — is a 2026–2028 story. Buyers who purchase in Sherman today are getting in ahead of the workforce arrival wave, at prices that still reflect a smaller-city market.

Current median home prices in Sherman sit near $260,000–$315,000 — dramatically more affordable than neighboring Collin County. Despite a modest price correction from 2022 peaks, Sherman–Denison home prices remain nearly 50% above 2020 levels according to the Texas Real Estate Research Center, translating to an average annual appreciation rate of approximately 10% since the pandemic. Days on market average around 75 days, giving buyers meaningful time to evaluate and negotiate.

Loan Programs for Sherman Home Buyers

Why Work with a Local Sherman Mortgage Broker?

Sherman is changing fast — but the people who have been here for decades know something that newcomers don’t: this community has always had more substance than its size suggested. The semiconductor investment didn’t create Sherman’s character. It confirmed what longtime residents already knew.

As an independent mortgage broker with access to multiple wholesale investors and 20 years of personal history in Sherman, I bring market-specific knowledge that no national call center can replicate. I know which rural Sherman addresses are still USDA-eligible. I know the Tom Bean corridor. I know the neighborhoods, the schools, the land. And I know how to structure loans for the new wave of semiconductor workers arriving from out of state — because I’ve been doing corporate relocation loans for 14 years. I stay personally involved from application to closing day. No hand-offs. No surprises.