Clear answers and a plan that fits your next move.
We’re Dave and Kelham Brown, a father-and-son mortgage team in Frisco. Whether you’re buying your first home, relocating, refinancing, or investing, we help you understand your options and move forward with confidence.
Choose your path
Not sure where to start? Pick the situation that fits best.
Brown Mortgage Group walks first-time buyers through every step, so you understand your options, know what you can afford, and move forward with confidence.
Flexible financing for primary homes, second homes, and investment properties. Brown Mortgage Group helps you compare structures and choose a plan that fits your goals.
Government-insured financing with a lower down payment path and flexible guidelines for buyers who qualify. Brown Mortgage Group helps you see if it fits.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How we work
Buying a home or financing a property is a big decision, and it should feel like one you understand. Before you commit to anything, we sit down with you, in person or virtually, and walk through what you can comfortably afford, what you’ll need for a down payment and closing costs, and which loan options actually fit your situation. Clear communication, from the first conversation through closing.
We have access to a wide network of lenders, so we can compare options for your scenario instead of forcing you into one product. And because we know the Frisco and DFW market, we can help you weigh the numbers against the home, the neighborhood, and your timing. Your options and results depend on your qualifications and goals, and we’ll be straight with you about all of it.
Tell us where you are and where you want to go. We’ll ask the right questions and answer yours, with no pressure and no cost to talk.
We lay out your real numbers side by side: down payment, closing costs, monthly payment, and the tradeoffs of each loan, so you can make an informed decision.
Once you choose a plan, we stay involved, keep you and your agent updated, and anticipate problems before they happen, all the way to closing.
Meet your loan officer
You'll work directly with Kelham
What we offer
We work with a wide range of loan programs so we can match the right product to your situation.
Brown Mortgage Group walks first-time buyers through every step, so you understand your options, know what you can afford, and move forward with confidence.
Flexible financing for primary homes, second homes, and investment properties. Brown Mortgage Group helps you compare structures and choose a plan that fits your goals.
Government-insured financing with a lower down payment path and flexible guidelines for buyers who qualify. Brown Mortgage Group helps you see if it fits.
Clear answers on eligibility, the funding fee and what a VA loan can do for you, from a father-and-son team that knows what it means to move a family.
We check the property address and your household income first, so you know whether a USDA loan is a real option before you fall in love with a home.
When your loan amount goes above the conforming limit, preparation matters more. We help you organize your file, understand the requirements and compare your options.
Assistance programs may help with your down payment or closing costs. Brown Mortgage Group explains how they work, what they cost, and whether one fits your plan.
Clear answers on how physician loan programs treat student debt, a new contract and a smaller down payment, so you can plan your purchase with confidence.
A temporary buydown can lower your payment for the first two years. We'll help you see whether the year-three payment fits too.
Bank-statement and alternative-documentation loans that look at how your business actually earns, with a team that explains every step.
Financing for rental properties that qualifies on the property's income, with a team that helps you understand the deal before you commit.
For buyers who may qualify without traditional income documentation, with a team that explains the trade-offs before you decide.
When your income doesn't fit a standard paperwork box, a non-QM refinance may let you qualify based on assets or a rental's cash flow.
When a condo building doesn't meet standard lending rules, we'll help you understand why and what financing options may still be available.
Before you change your mortgage, see exactly what it costs, what it changes, and whether it moves you toward your goals.
A home equity loan or HELOC can fund your next goal while your first mortgage stays in place. We'll help you decide if it fits.
Renovation loans roll the cost of improvements into your mortgage. We'll help you understand your options and pick the path that fits your project.
Finance the purchase and the repairs in one FHA loan, with a clear plan from your offer to the final inspection.
Fund needed repairs and updates through your mortgage in Frisco, TX, based on what your home will be worth when the work is done.
Finance the home and the renovation you have in mind in one conventional mortgage, with room for the projects that make it yours.
A conventional refinance that funds your renovation based on what your Frisco, TX home will be worth when the work is done.
Clear answers about how a reverse mortgage works, what it costs and how it affects your family, so you can make an informed decision.
A HECM for Purchase can help homeowners 62+ downsize, right-size or move closer to family without taking on a monthly mortgage payment.
Replace your current mortgage with a reverse mortgage, or refinance an existing reverse mortgage, with a clear look at what changes and what it costs.
Where we lend
Based in Frisco. Licensed in Arizona & Texas.
Frisco, TX is home — the market we know street by street and tax rate by tax rate. But you don't have to be down the road to work with us: we can originate your mortgage anywhere in all 2 states, and the whole process runs by phone, email, and secure online tools.
Brown Mortgage Group corporate office: 3100 W Ray Road #201 Office #209, Chandler, AZ 85226
A mortgage is licensed by the state the property is in — not by how close you are to our office. Wherever you're buying in AZ & TX, we can help.
See everywhere we serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.