Lone Star Financing - Your Waco, TX Mortgage Lender
- Low Rates & Low Fees
- VA, FHA & USDA Loans
- In-House Underwriting
- Fast Approvals
- Free Good Faith Estimate
- Waco Customer Service
Waco Mortgage Company
Welcome to Lone Star Financing – your local direct mortgage lender in Waco, TX. As a direct lender, we offer competitive rates and fast loan closings, making the process smooth and hassle-free. Our technology-driven platform lets you complete your application, sync bank accounts, upload documents, and receive full loan approval securely and easily. The right mortgage starts with the right lender. Since 2007, we’ve built our reputation on integrity, excellent customer service, and transparency. Whether you’re buying a new home or refinancing, Lone Star Financing is here to help you every step of the way!
Buying a new home in Waco or need help to refinance your mortgage? Lone Star Financing is a direct lender right here in Waco, TX that specializes in new home purchases and mortgage refinance. We offer a bevy on mortgage programs including: Texas FHA Loans, VA Home Loans and USDA rural home loans in Waco. With a forward-thinking approach, we combine modern technology and common sense to prioritize our clients’ needs. We offer low rates, a streamlined process and unbeatable service:
- Direct Mortgage Lender
- Local underwriting and closing for fast approvals
- No-Obligation Good Faith Estimate
- Local Waco, TX customer service
What sets Lone Star Financing apart? We offer competitive rates, personalized service, and a wide range of mortgage products with quick and easy pre-approvals. Our motto—low rates, low fees, and fast closings—has made us a top choice for Waco borrowers, earning us a reputation as a trusted mortgage lender in Texas. Lone Star Financing is a local Texas mortgage lending company dedicated to building long-term relationships with borrowers, regardless of market conditions. Our goal is to not just meet expectations, but to exceed them, leaving clients saying, “Great job!” We aim to be your trusted mortgage lender for life, not just for one loan. Discover why more people are choosing Lone Star Financing for a better mortgage experience in Waco. Whether you need home financing in Dallas, Houston, Austin, San Antonio or Waco, we have you covered. Call us today to visit: (855) 314-8080
Our Home Loan Programs
Waco New Home Loans
Buying a new home in Waco? We specialize in new purchases and offer a wide range of new home loan programs:
- Primary home, secondary, investment
- FHA, USDA, and VA Loans
- Low Rates & Variable Terms
- Renovation loan programs
Conventional Loans
Conventional home loans offer lower rates and lower mortgage insurance, only 5% down and flexible terms:
- 30, 20 and 15-Year terms
- Finance up to $806,600
- Primary home, secondary, investment
- Up to 95% Financing
Waco FHA Home Loans
FHA home loans are perfect for first time home buyers in Waco, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Waco VA Loans
We are an approved VA lender for veteran home loans in Waco, TX. Credit scores down to 580.
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loans with Down Payment
USDA Home Loans
USDA loans for rural properties in Waco come with a variety of benefits. These loans offer 100% financing for qualified buyers.
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Costs Can Be Rolled In
- Low Interest Rates
Waco Mortgage Refinance
Lone Star Financing offers streamlined refinancing. Take advantage of today’s low rates—refinance now and start saving!
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
Waco, Texas Mortgage Experts
Close on Time
Our goal is to close every loan in 28 days or less. With in-house underwriting, processing, and closing, we ensure quick approvals and timely funding.
Low Rates & Fees
Waco Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Customer Service
Waco’s trusted mortgage company for exceptional customer service – we prioritize client needs, delivering a smooth, stress-free experience from start to finish.
Get Pre Approved Today!
It's our People!
Shawn Dulac
Loan Officer
NMLS #1320463
James Hair
Loan Officer
NMLS #1680348
Ricardo Trejo
Branch Manager
NMLS #347481
Eden Vick
Sr. Loan Officer
NMLS #490185
Brett Dempsey
Loan Officer
NMLS #2014728
Read Our Reviews...
Lone Star Financing - Local Waco, TX Mortgage Lender
Service Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender and can close loans anywhere within the great state of Texas. Your local Texas mortgage lender with low rates, low fees, and top notch customer service.
Waco, TX Real Estate Snapshot – 2024
As of 2024, the real estate market in Waco, TX, continues to offer a diverse range of housing options for prospective buyers and investors. Currently, there are approximately 642 homes for sale across the city, with an average listing price of $243,400. These properties vary in size, style, and location, catering to different budgets and preferences. View all homes for sale in Waco, TX.
In addition to traditional home listings, Waco also has 152 properties in various stages of foreclosure, including pre-foreclosure and bank-owned homes. These distressed properties may present unique opportunities for buyers looking for investment deals or more affordable housing options.
With its strong housing market, affordable pricing, and steady demand, Waco remains an attractive destination for homebuyers and real estate investors alike. Whether you’re searching for a family home, a rental property, or a foreclosure deal, the Waco real estate market offers plenty of opportunities in 2024.
