Meet PJ Zaji, Dallas Fort Worth REALTOR® and mortgage loan originator
Buying or selling a home is one of the largest financial decisions most people make. My job is to help you make it with accurate numbers, a clear strategy, and strong representation from the first conversation through closing.
Real estate and mortgage guidance in one place
I am a Dallas Fort Worth real estate agent and Texas mortgage loan originator. I work with first time buyers, move up buyers, sellers, investors, and families relocating to North Texas.
With more than 14 years in real estate and over 1,000 completed transactions, I have worked through hot markets, slow markets, bidding wars, new construction contracts, luxury sales, and complicated negotiations.
Because I handle both the home and the loan, I can see financing problems early, compare builder incentives against outside loan offers, and show you the full monthly cost before you commit. Rates matter, but so do loan programs, mortgage insurance, seller concessions, property taxes, and closing costs.
My approach is direct. I will explain your options, flag problems early, and tell you what you need to know, not just what you want to hear. Sometimes that means moving fast. Sometimes it means renegotiating, choosing another home, or waiting until the numbers make sense.
How I help DFW buyers and sellers
Home buyers
- What you can actually afford
- Home searches and private tours
- Value analysis with recent sold comps
- Offer strategy and negotiation
- Inspection and repair negotiation
New construction
- Builder and community comparisons
- Lot premiums, upgrades, and completion dates
- Incentives that save money vs ones that cost you
- Builder contract review
- Registration before your first visit
Home sellers
- Pricing based on real competition
- Repair and preparation advice
- Photography and online marketing
- Offer comparison and negotiation
- Inspection and appraisal management
Mortgage loans
- Conventional, FHA, VA, and jumbo options
- Access to many wholesale lenders
- Pre approval before you shop
- Side by side cost comparisons
- Available anywhere in Texas
Local guides for DFW neighborhoods
DFW has hundreds of subdivisions, school districts, builders, and tax situations, and two homes at the same price can cost very different amounts each month. These guides use current MLS data.
Licenses and credentials
- Real estate license
- TREC #631862, Monument Realty
- Team
- Expand Realty Group
- Mortgage license
- NMLS #2280005
- Mortgage company
- NEXA Mortgage, NMLS #1660690
- Luxury designation
- CLHMS, Institute for Luxury Home Marketing
- Office
- 3620 The Star Blvd, Suite 1205, Frisco, TX 75034
Questions about working with PJ
Who is PJ Zaji?
PJ Zaji is a Dallas Fort Worth REALTOR® with Monument Realty and a Texas mortgage loan originator with NEXA Mortgage. He has more than 14 years of real estate experience and over 1,000 completed transactions, and he holds the CLHMS luxury designation.
Can PJ be both my real estate agent and my loan officer?
Yes. PJ is licensed as a real estate agent (TREC #631862) and as a mortgage loan originator (NMLS #2280005). You get one point of contact for the home and the loan. Both services stay subject to their own licensing, disclosure, and qualification rules, and you are always free to choose a different lender.
What areas does PJ serve?
PJ works across Dallas Fort Worth, including Frisco, McKinney, Plano, Prosper, Celina, Allen, and the surrounding North Texas suburbs. Mortgage services are available anywhere in Texas.
Do I pay extra to use PJ on a new construction home?
Usually not. Most builders pay buyer agent compensation, but your agent has to be involved before your first visit or registration. Confirm the builder’s policy before you walk into a model home.
How do I get started?
Call or text 469-817-6060 with what you are planning, your rough budget, and your timeline. PJ will tell you what the numbers look like and what to do next.
What are you planning next?
Tell PJ what you want to buy, sell, or refinance, plus your timeline. You will get a straight answer on what it takes.