Memorial Day 2026: Honoring the Fallen — And Why Frisco TX Homebuyers Should Never Settle for National Average Mortgage Rates

There are moments that should stop you in your tracks. Memorial Day is one of them. Not a long weekend. Not a mattress sale. Not even a brisket — though I'll admit mine goes on the smoker by 7am. Memorial Day is the day we lay down everything frivolous and remember the people who laid down everything permanent.

The soldiers who stormed beaches. The ones who never came home from jungles, deserts, and mountains most Americans couldn't find on a map. The ones who ran toward the sound of gunfire when every instinct said run the other direction. They didn't die for politics. They didn't die for a headline. They died for the person next to them — and for the stubborn idea that free people deserve to stay free.

I come from a family full of veterans. My faith teaches me that the greatest act of love a person can show is to lay down their life for another. These men and women did exactly that, over and over, on every corner of this earth. Every flag flying over every home in Frisco, McKinney, Plano, and Prosper this weekend was purchased with their sacrifice. Not metaphorically. Literally purchased — with lives. Young lives. Lives that had whole futures ahead of them that they willingly traded so we could have ours.

This Memorial Day, I'm asking every family in North Texas to do one thing: say their names out loud. Look up the local veteran memorial near your neighborhood. Drive past the flags slowly. Teach your children — really teach them — what this day actually means. Not just that school is out. Not just that it's the unofficial start of summer. But that the freedom we exercise every single day was bought with a price that defies comprehension.

To the Gold Star families reading this: there are no words adequate. I see you. I honor you. I am grateful beyond what language can hold. And I will never forget.

To Every Veteran in DFW: Your VA Loan Benefit Honors What They Secured

If you wore the uniform and came home — you have a home loan benefit that was created specifically for you and earned the hard way. The VA home loan program in Texas is one of the most powerful mortgage products available anywhere in the market, and it belongs to you. Zero down payment. No private mortgage insurance. Competitive VA home loan rates in Texas. A funding fee that is completely waived for veterans with a service-connected disability. Flexible credit requirements. And a benefit that can be used more than once throughout your life.

Here is something that matters: the national average VA loan rates you see published on Bankrate, Zillow, or NerdWallet — around 6.63% as of late May 2026 — reflect what the big banks and large retail lenders are charging across the country. Those rates have massive corporate overhead baked into every basis point. Marketing budgets. Executive compensation. Layers of management. You pay for all of that in your rate. As an independent mortgage broker in Frisco TX, I don't carry that overhead. My clients — including the veterans I am honored to serve — routinely close on VA home loans in North Texas at rates meaningfully below those national averages. That is not a marketing claim. It is a structural reality of how independent mortgage brokers work compared to big retail lenders.

If you are a veteran or active-duty service member in Frisco, McKinney, Allen, Plano, Prosper, Celina, or anywhere in Collin or Denton County — call me directly at (214) 336-5840. It would be my genuine honor to help you use the benefit you earned.

Where Mortgage Rates in DFW Actually Stand This Memorial Day 2026

As of late May 2026, national average mortgage rates on a 30-year fixed are running approximately 6.48% to 6.625% according to current data from Bankrate and Zillow. The national average VA loan rate is approximately 6.63%. Those are national averages from large retail lenders — not what you will necessarily pay when you work with an independent mortgage broker in Frisco TX who operates without their overhead structure.

The difference matters. On a $450,000 home loan in Frisco, a rate that is 0.375% below the national average saves you approximately $100 per month — or roughly $36,000 over the life of a 30-year loan. That is real money. That is a college fund contribution. That is your family's financial future. Call me before you assume the rate you see online is the rate you have to accept.

The Spring 2026 DFW Market: A Full Picture for North Texas Homebuyers

Active listings across the DFW market have grown for 28 consecutive months. In Frisco, McKinney, Prosper, Celina, and northern Collin County, buyers have more genuine choices than at any point since before the pandemic frenzy began. Sellers who need to move are getting realistic on price. Negotiating room exists in this market that simply was not available in 2021 and 2022.

Rates are lower than they were this time last year. The national 30-year fixed averaged around 6.85% in May 2025. It is running 6.48%–6.625% at the national average today — and as your independent mortgage broker in Frisco TX, I am consistently delivering rates below those figures to my clients because my cost structure does not include big-bank overhead.

Refinance demand is surging across North Texas. Mortgage Bankers Association data shows refinance applications up 33% year-over-year as of late March 2026. Homeowners in Frisco and McKinney TX who locked in at 7.5%–8.25% during the painful 2023 rate peak are finding that a refinance now pencils out — especially when the independent broker rate advantage enters the equation.

Assumable mortgages are becoming a real conversation in 2026. Buyers are increasingly searching for FHA and VA loans they can assume from sellers at the original lower rate. If you are a veteran in North Texas buying from another veteran, ask me specifically about VA loan assumption — it can be a powerful tool in the right situation.

"Date the rate, marry the house. Focus on finding the right home in the right location in North Texas at the right price — because interest rates are temporary. The rate you close at today can be refinanced when the market shifts. The purchase price you lock in cannot be renegotiated after closing. And when it does come time to refinance your Frisco TX home loan — you already know exactly who to call."

If you are ready to buy a home in Frisco, McKinney, Plano, Allen, Prosper, or anywhere in North Texas this summer, let's talk now before the post-Memorial Day rush pushes competition back up. Call your mortgage broker in Frisco TX at (214) 336-5840. I am here Monday through Friday 8am to 6pm and weekends 10am to 5pm CST. God bless the fallen. God bless their families. God bless the veterans still with us. And God bless Texas.