LONE STAR FINANCING

KILLEEN, TX
HOME LOANS

Low Rates, Low Fees & Fast Closing

Lone Star Financing - Killeen, TX Mortgage Lender

Whether you’re buying a new home in Killeen or need to refinance your existing mortgage, we’re here to help! At Lone Star Financing, we offer competitive rates, in-house underwriting and personalized customer care.

FHA, VA & Conventional

Direct Lender
In-House Underwriting

Low Rates & Low Fees
Fast Pre-Approval
Local Customer Service!

Your Trusted Mortgage Company in Killeen, TX

Located in the heart of Killeen, TX, we understand the local real estate market and are proud to serve the community with competitive loan options, flexible terms, and dedicated support. Whether you’re purchasing your dream home, refinancing for a better rate, or exploring new investment opportunities, our mortgage experts are here to help you find the best financing solution for your goals.

By leveraging advanced technology, we consistently deliver exceptional customer service that truly stands out in the industry. Because of our commitment to “Low Rates, Low Fees, and Fast Closings,” more individuals in the Killeen area trust us as their go-to mortgage partner. Plus, with a wide range of loan programs, we can easily tailor the perfect loan solution to fit your unique financial needs.

More About Us

Looking to buy a new home in Killeen, Texas? Lone Star Financing is a direct mortgage lender that specializes in new home purchases: FHA Loans, VA Home Loans, and USDA Home Loans in Killeen. Texas FHA loans, Texas VA loans and Texas USDA are just a few loan programs available to the residents of Killeen.

Killeen Mortgage Lender
Local underwriting and closing
No-Obligation Good Faith Estimate
Local Killeen customer service

Lone Star Financing is a preferred Killeen mortgage lender by realtors in Texas because we can close loans quickly and on time as promised. As a direct mortgage lender we offer local Texas underwriting which enables our underwriter’s to make quicker decision and can process loans quickly. What our Customer’s Are Saying: “I called when I was overseas and Charlie was so helpful and knowledgeable I knew instantly I had found the right mortgage company to help with my home loan in Killeen. You helped educate me on the home loan process and the advantages of the VA home loan program. Thank you for all of the help!” – Staff Sergeant, Michael Bishop

Our Killeen Home Loans

New Home Loans

Do you need financing for a new home in Killeen, TX? We are a local Texas lender and offer an array of loan products:

Primary, secondary, investment
FHA, USDA, and VA Loans
Conventional Loans
Low Rates & Variable Terms

LEARN MORE APPLY NOW

Conventional Loans

Conventional loans are our most popular loans in Killeen, come with low rates and offer several advantages:

30, 20 and 15-Year terms
Financing up to $806,500
Primary home, secondary, investment
Up to 95% Financing

LEARN MORE APPLY NOW

Killeen FHA Loans

FHA loans in Killeen are perfect for first-time home buyers. Require only a 3.5% down payment and gift funds are OK.

Only 3.5% Down Payment
Easier Credit Qualifying
203k Renovation Loans
1st Time Home Buyers

LEARN MORE APPLY NOW

Killeen VA Loans

We are an approved VA lender in Killeen, TX and committed to helping our Texas Veterans maximize their benefits.

Zero down, 100% Financing
No Monthly PMI
No Debt to Income Restrictions
VA Jumbo Loans

LEARN MORE APPLY NOW

Cash Out Refinance

Tap into the equity in your home with a Texas Cash Out Refinance – we offer low, fast approvals and flexible loan options.

Home Improvements
Debt Consolidation
Personal Expenses
Higher Education

LEARN MORE APPLY NOW

Mortgage Refinance

Lone Star Financing provides competitive rates and a smooth, hassle-free process for mortgage refinancing in Killeen, TX.

Reduce Monthly Payment
Shorten Mortgage Term
FHA Streamline Available
VA IRRRL Streamline

LEARN MORE APPLY NOW

Why Lone Star Financing?

Close on Time

Our goal is to close every loan in 28 days or less. With in-house underwriting, processing, and closing, we ensure fast approvals and timely funding.

Low Rates & Fees

Killeen mortgage lender with Low Mortgage Rates. FHA, VA, and USDA Home Loans.

Customer Service

Killeen, TX customer care -we will be with you at every step from application to closing.

Jump in Front of the Line!
Pre-Qualify Today

Why Choose Us? It's our People!

Read Our Reviews...

Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!

As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!

I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.

Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!

I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...

Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!

KILLEEN, TX MORTGAGE RATES:

CALL (855) 314-8080

Killeen, TX Lender- Low Rates
Close in as little as 21 days
Local underwriting
No-Obligation Loan Estimate
Killeen, TX Customer Service

Killeen Texas Real Estate (2025)

The median home price in Killeen was $253K in March 2025, trending up 17.4% year-over-year. The median cost per square foot for homes in Killeen, TX was $124 per square foot. What are the popular neighborhoods Killeen? Some of the trending neighborhoods in or around Killeen, Texas is White Rock Estates, Goodnight Ranch, and Yowell Ranch. Search all homes for sale in Killeen, Texas. Lone Star Financing is your Texas mortgage lender for new home loans and mortgage refinance in Killeen, TX.

As a leading mortgage company in Killeen, TX, we are dedicated to helping individuals and families achieve their homeownership dreams with ease and confidence. Our team of experienced professionals is committed to providing personalized mortgage solutions that cater to a wide range of financial situations. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance your current home in Killeen, TX, we offer a variety of loan programs to suit your unique needs.

Our Texas Locations