Service Areas

Mortgage Lender Serving Dallas-Fort Worth and North Texas

The county, appraisal district, school district and any special district on a home change how a mortgage is set up. Each city below has its own page on what is different there. Our office is in Lewisville, and we serve buyers and homeowners across these cities and the wider Dallas-Fort Worth area.

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Choose Your City

Mortgage Lender in Frisco, TXA city split between Collin and Denton counties, with four school districts and two public improvement districts in the Panther Creek area.
Mortgage Lender in Plano, TXAn established city, with notes on existing-home purchases, the homestead value limit, and home equity borrowing.
Mortgage Lender in McKinney, TXA historic overlay district, MUD neighborhoods outside the city limits, and several school districts serving parts of the city.
Mortgage Lender in Dallas, TXFour counties, many school districts, and historic and conservation districts with their own rules.
Mortgage Lender in Fort Worth, TXFive counties, one large school district plus many at the edges, and city flood areas beyond FEMA's maps.
Mortgage Lender in Allen, TXA single-county tax picture with four taxing entities, a city homestead exemption, and a school district that also appears on McKinney's list.
Mortgage Lender in Prosper, TXA town where the lot decides the county, the utility provider and any special district, and where Prosper ISD reaches into neighboring cities.
Mortgage Lender in Celina, TXWhere public improvement districts are the city's preferred tool, with a long list on its website, plus MUDs nearby and two school districts.
Mortgage Lender in Denton, TXCounty seat with city-run utilities, three local historic districts and a city policy on MUDs in its ETJ.
Mortgage Lender in Melissa, TXHomestead timing on a purchase, city limits versus ETJ, two water utilities, and the city's PID notes.
Mortgage Lender in Anna, TXPIDs and tax increment zones that share names, what the city's PID policy requires, and Anna ISD zones.
Mortgage Lender in Princeton, TXCity limits versus ETJ, two possible water providers, and PIDs managed through a third-party administrator.
Mortgage Lender in Aubrey, TXA small Denton County city where ETJ land, MUDs, utility providers and two school districts all meet.

The Cities Side by Side

School districts are the ones each city names on its own website. Boundaries do not follow city lines, so confirm a specific address with the district.

City	Counties	School districts named	Special districts
Frisco	Collin and Denton	Frisco ISD, Lewisville ISD, Little Elm ISD, Prosper ISD	Two PIDs in the Panther Creek area (city says it is closing them)
Plano	Collin and Denton	Plano ISD, Frisco ISD, Lewisville ISD	None covered here
McKinney	Collin	McKinney ISD, Allen ISD, Frisco ISD, Melissa ISD, Prosper ISD	MMD, MUD and PID types named by the city; McKinney MUD 1 in the ETJ
Dallas	Dallas, Collin, Denton and Rockwall (per the city)	Dallas ISD and nine others linked on the city's education page	Landmark and conservation districts; PIDs listed by the city
Fort Worth	Tarrant, Denton, Parker, Johnson and Wise (per the city)	Fort Worth ISD serves most residents; 15 others named at the edges	PIDs, including capital PIDs billed on the tax statement
Allen	Collin	Allen ISD	None covered here
Prosper	Collin and Denton	Prosper ISD (also named by Frisco, McKinney and Celina)	Varies by lot; ask for the written notices
Celina	Collin and Denton	Celina ISD, Prosper ISD	Long list of active PIDs on the city site; MUDs nearby
Denton	Denton	Denton ISD (confirm by address)	City policy bars MUDs inside city limits; MUDs can exist in the ETJ
Melissa	Collin	Melissa ISD (McKinney's school page also names it)	PIDs described by the city, one preliminary plan posted; check each lot
Anna	Collin	Anna ISD (serves the city and parts of nearby communities)	PIDs and TIRZs named by the city; newer PIDs appear in council agendas
Princeton	Collin	Princeton ISD (also serves Culleoka, Lowry Crossing and others)	PIDs listed by name; city says ETJ residents pay no city tax
Aubrey	Denton	Aubrey ISD and Denton ISD (confirm by address)	Clear Sky MUD appears in city agendas for ETJ land; the lot decides

Why the Local Details Matter

Texas has no state property tax. Appraisal districts value property as of January 1, and local taxing units set the rates, so the county and school district on a parcel shape the tax estimate that goes into your monthly housing expense. Municipal utility districts and public improvement districts add their own taxes or assessments on top.

Those charges count when a lender qualifies you. The pages above show what to ask before you make an offer, so the payment you plan around is the one you will actually have. To compare loan types first, see our loan options overview.

Is Your City Not Listed?

We also serve buyers and homeowners in other parts of the Dallas-Fort Worth area that do not have their own page yet. The same local questions apply: which county and appraisal district, which school district, and whether a special district affects the address. Contact us with the address you are considering and we will go through it with you.

Important Information

These pages are general, educational information about local conditions. They are not a commitment to lend, a rate quote or tax advice. Loan approval depends on your credit, income, assets and the property, and guidelines are subject to change. Contact an AXS Mortgage loan officer at (469) 812-5557 to discuss your situation. NMLS #2064422. Equal Housing Lender.

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