Memorial Day 2025: Honoring the Fallen — And the Spring DFW Housing Market They Died to Protect

There are words that deserve to be said slowly. We gave you a three-day weekend. We gave you a reason to fire up the grill. But Memorial Day was not created for any of that. It was created to make us stop — really stop — and remember.

Remember the 19-year-old from a small town in Georgia who never came home from the Pacific. Remember the Marine from San Antonio who died on a hillside in Korea. Remember the Army Ranger from Frisco TX who gave his life in a desert on the other side of the world so that this community — his community — could go on in peace and freedom. We don't just barbecue and take a Monday off. We remember.

I come from a family full of veterans. Some of my most meaningful professional moments have been helping veterans use the home loan benefit their service earned. On Memorial Day I am especially aware of the privilege of that work. The freedom that allows every American to own a home was secured by people who paid for it with their lives. Say their names. Drive past the flags slowly. Teach your children what this day actually means.

To Veterans in DFW: Use the Benefit They Died to Protect

If you served in the United States military and you have not used your VA home loan benefit — the VA home loan is the best mortgage product available in the American market for eligible borrowers. Full stop. Zero down payment. No private mortgage insurance. Competitive VA home loan rates in Texas. A funding fee waived entirely for veterans with a service-connected disability. Flexible credit qualification.

About those rates: the national average VA loan rates published on Bankrate and Freddie Mac's weekly survey reflect what large retail mortgage lenders charge with all of their corporate overhead built in. As an independent mortgage broker in Frisco TX, I operate without that overhead. The VA loans I originate for veterans in North Texas consistently close at rates below those national averages — sometimes significantly below. If you are a veteran who has been quoted a VA rate by a large lender and have not compared it to what an independent mortgage broker in Frisco TX can deliver, please call me before you commit. Using your VA loan benefit is not just smart financial planning. It is honoring what was paid so you could have it.

Spring 2025 DFW Housing Market: An Honest Look

Heading into Memorial Day weekend 2025, the DFW housing market was telling a more encouraging story for buyers than the previous two years had. Active listing counts in Frisco, McKinney, Allen, and Collin County were running approximately 18% higher year-over-year. New construction from the major builders continued adding supply in the $300,000–$500,000 range across Prosper, Celina, Princeton, and Anna TX.

The lock-in effect was beginning to loosen — more sellers entering the market as life events overtook financial inertia. Multiple-offer situations were becoming less automatic. Buyers with strong pre-approvals were winning deals without the panic of 2021 and early 2022. Negotiating for seller concessions — closing cost credits, rate buydowns — was possible again.

The Rate Story and the Independent Broker Advantage

Mortgage rates for North Texas homebuyers spent spring 2025 in the 6.6%–7.0% range at the national average — figures reflecting what Freddie Mac's weekly survey captures from large lenders with their full cost structures. As your independent mortgage broker in Frisco TX, I was consistently delivering rates below those benchmarks throughout spring 2025. The structural reason is simple: I access wholesale mortgage markets without the retail overhead of the big banks. That cost advantage flows to my clients in the form of lower rates.

2-1 buydown structures were also popular in spring 2025 — seller-funded rate reductions in the first two years of the loan that made the initial payment more manageable. I structured many of these for Frisco, McKinney, and Allen TX buyers in 2025, and they worked well for the right situations.

If you are buying a home in North Texas this summer, call me. I have time to give your situation real attention. Call (214) 336-5840.