Your Partner for Home Loans, Refinancing & Investments
At Francisco Mortgage Team, we proudly serve the dynamic and growing community of Denton, Texas, with personalized mortgage solutions designed to meet your goals. Whether you’re buying a home near UNT, investing in Denton County real estate, or refinancing your current mortgage, our veteran-owned team delivers the integrity, expertise, and local knowledge you need to succeed.
Why Work with a Local Mortgage Team in Denton?
Choosing a local mortgage lender in Denton gives you a real advantage. We understand the unique housing market, zoning nuances, and lender requirements specific to Denton and the surrounding areas. Our hands-on guidance and tailored loan options help you make confident, informed decisions—whether you’re buying your first home or adding to your investment portfolio.
We provide dedicated support for:
First-Time Homebuyers in Denton, TX
Real Estate Investors Across Denton Count
Veterans and Active Military Families
Denton Residents Looking to Refinance
Homeowners Planning Renovation Projects
Mortgage Services in Denton, TX
Buying a Home in Denton, TX
From charming homes near downtown to properties in up-and-coming neighborhoods like Southridge or Rayzor Ranch, we help you secure the right loan with ease. Our personalized process ensures you feel confident at every step—from prequalification to closing.
VA Loans for Veterans in Denton
We’re a veteran-owned mortgage team that proudly helps military families in Denton use their hard-earned VA benefits. From navigating eligibility to securing great rates, we ensure a smooth, respectful, and efficient loan process.
Mortgage Refinancing in Denton
Refinancing your Denton home could reduce your interest rate, lower your monthly payment, or unlock home equity. Whether you live in Forrestridge, Unicorn Lake, or a newer subdivision, we’ll help you explore options that support your goals.
Denton Real Estate Investment Loans
As a university town and a growing DFW suburb, Denton’s rental market is thriving. We help you finance single-family rentals, duplexes, and multi-unit properties while maximizing your long-term return on investment.
Renovation Loans for Denton Homes
Older homes in established neighborhoods near Quakertown Park or Oak-Hickory Historic District may benefit from upgrades. Our renovation loan programs allow you to fund improvements while increasing your home’s value—without needing to move.
Don’t Let a Bad Mortgage Decision Cost You
1) Overpaying in interest and fees
2) Missing out on first-time buyer or veteran perks
3) Choosing a loan that doesn’t match your long-term goals
4) Losing equity through missed refinancing opportunities
Our Proven 3-Step Mortgage Process
Consultation
Prequalification
We assist with collecting documentation, getting prequalified, and preparing you to make competitive offers in the Denton market.
Approval & Closing
What Our Clients Are Saying
Joiye and her team were amazing to work with!!! They helped my husband and I buy our first home and were so helpful throughout the entire process! She was so quick to answer any questions we had and w…
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Charlotte Rosales
We cannot be happier with Joyie and her team. It was evident from the beginning she was looking out for our best interests. She was delighted to explain the whole process in detail. I felt very cared …
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Vicky Morgan
I’ve been working with Joyie for years now and the one thing that rings true each and every time is consistent integrity. Always doing the right thing. Especially when everyone else isn’t looking. Pro…
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Max Franks
h Joyie ~ I can’t say enough great things about Joyie and her team! I had the pleasure of working with her through a mutual client, and she was absolutely amazing from start to finish. Her personal to…
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Megan Johnson
Working with Joyie and her team was an absolute pleasure from start to finish. Their dedication to finding the best possible deal for my husband and I was evident in every interaction. Joyie’s warmth …
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Briana Moreno
Where do I begin? Working with Joyie and her team was the most pleasant experience we had with a home buying process. She’s HIGHLY responsive, honest, dependable and will help you any way she can. W…
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Tatiana Taylor
I closed on my home on Thursday. Working with Joyie and her team was a blessing. To have Joyie just as invested in the outcome and it be genuine was truly life changing. I am at a loss for words as I …
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Todera Woods
It was a pleasure working with Joyie. She is very knowledgeable and took the stress out of the home buying and refinancing process! We would recommend this team to our family without hesitation! Thank…
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Melissa
I can’t thank enough for this amazing team who made one of our dreams become a reality!! Thank you Joyie, Marianne, Karina, and Christie, and anyone I missed!! The team’s commitment, dedication, r…
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Julio Cesar Martinez
What an awesome and professional team. No one else other than Joyie and her team that I’d want to take care of us during one of the most important times in our lives. All I can say is thank you for …
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Blake Wise
Joyie’s team is awesome and professional. Her team helped me to purchase two houses with the perfect interest rate. She blocked interest rates at the right time. If you are looking for a lender, pleas…
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Xuan Nguyen
Today I reached out to Joyie after I was already working with a previous lender to purchase an investment property. Initially, I was told that I did not qualify to purchase a home. My income profile i…
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Jason Sandoval
Joyie and her team did an amazing job helping our family secure a loan for our new home. They went out of their way to assist us! We are very grateful clients who are now in a beautiful NEW HOME thank…
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James Ryan
Joyie was absolutely fantastic! I’m a veteran, and she helped me use my VA loan to get an awesome home. I couldn’t have asked for a better experience. She truly cares about you and your best interests…
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Derrick Christovale Jr.
If you aren’t using this company then you are missing out!! I first spoke with Joyie over a year ago and was looking to refinance my mortgage. My husband was attending a course, out of state, while I …
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Lisa Rodriguez
Paul and Joyie and their team have gone through great lengths to get us our home! We officially sign today! We are first time home buyers, and given the situation at hand, on our part, they worked wit…
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Ashley Balderas
Very greatful and happy for making our dream come true. 100% committed to client satisfaction. A++++ to Joyie and Team. Highly recommended. Thank you.
Raymundo Ceballos
Let’s Talk About Your Mortgage Options
Ready to Finance Your Future in Denton, TX?
Whether you're a first-time homebuyer, a seasoned investor, or a homeowner looking to refinance, the Francisco Mortgage Team is here to help you take the next step with clarity and confidence.
Schedule a ConsultationCall NowFAQs for Denton Mortgage Borrowers
Yes, we offer refinancing options to reduce your payment, interest rate, or pull cash from equity.