Home loans in Garland, Texas

Median home price

$275,000

Median income

$61,000

Population

246,000

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Homes in Garland, Texas: What you need to know

Garland combines small-town community atmosphere with big-city conveniences, offering homebuyers affordable access to the Dallas-Fort Worth Metroplex. The city's strong manufacturing base, diverse population, and commitment to quality parks and recreation create an appealing environment for families and first-time buyers. From historic neighborhoods around the downtown square to newer developments near Firewheel Town Center, Garland provides homeownership opportunities with excellent schools, minimal commute times to Dallas employment centers, and notably lower prices than nearby urban areas.

The Garland housing market features established communities in North Garland near Lake Ray Hubbard and growing areas in the south near the DART rail corridor. Manufacturing employers, retail centers, and healthcare facilities create stable demand across diverse neighborhoods. Whether you're considering a traditional home near Audubon Park or new construction near Hawaiian Falls water park, finding competitive mortgage terms helps you enter this accessible market while enjoying Garland's family-friendly amenities and strong sense of community.

Garland real estate market overview

With a median home price around $275,000, Garland's market delivers solid value within the Dallas region while offering quick access to major employment centers via highways and DART rail. Our efficient process supports families and young professionals seeking Garland's combination of affordability, excellent schools, and established neighborhoods with mature trees and well-maintained properties.

Did you know? Facts about Garland

  • Garland is home to the Garland Landmark Museum, featuring a historic Santa Fe Railroad depot and preserved late 19th-century structures.
  • The city operates one of the largest municipally-owned electric utilities in Texas, Garland Power & Light, often providing competitive rates for residents.
  • Firewheel Town Center, one of the region's premier outdoor shopping destinations, attracts visitors from throughout the Metroplex with over 100 stores and restaurants.

Family-Friendly Suburbs with Urban Access

Garland's extensive park system includes over 2,800 acres of recreation space, with amenities like the Surf and Swim wave pool, lake access at Lake Ray Hubbard, and the popular Firewheel Golf Park. This recreation focus creates strong appeal for families seeking active lifestyles and community engagement opportunities rare in cities this close to major metropolitan employment. The DART Blue Line provides convenient rail access to downtown Dallas and DFW Airport, allowing homeowners to enjoy suburban affordability and family amenities while maintaining easy commutes to urban job centers throughout the Metroplex.

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Garland home mortgages

Chestnut offers a complete range of home mortgages for Garland homebuyers tailored to their needs.

Garland home purchase loans

Buying in Garland? Get an underwritten pre-approval and a competitive rate with a process that closes in 2-3 weeks.

Purchase loans

Garland home refinance loans

Lower your rate, shorten your term, or both. Most refinances close in 2-3 weeks — not the 30-45 days you would wait elsewhere.

Refinance loans

Garland cash-out refinance loans

Use your home equity to fund renovations, pay off high-interest debt, or cover a major expense. One new loan replaces your existing mortgage and puts cash in your hands.

Cash-out refinancing

Garland home equity line of credit

Draw from your home equity as needed, and only pay interest on what you use. A HELOC gives you a credit line you can access anytime — no new mortgage required.

HELOC loans

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