Trusted Texas Mortgage Lender for Home Loans & Refinancing
Lone Star Financing is a trusted Texas mortgage lender helping individuals and families achieve homeownership with confidence. We provide clear guidance, competitive rates, and a personalized approach to make financing simple and stress-free.
As a mortgage broker, we offer access to wholesale pricing and multiple lender options—giving you better rates and more flexibility than traditional banks. From consultation to closing, our team delivers a smooth, efficient home loan experience.
Explore Our Loan Options
Texas Home Loans
We specialize in new purchase loans, providing our clients with a wide range of flexible loan options with ultra competitive rates.
- Primary, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
Conventional Loans
Conventional loans offer favorable terms, including lower mortgage insurance and lower interest rates for qualified borrowers.
- 30, 20 and 15-Year terms
- Financing up to $806,500
- Primary home, secondary, investment
- Up to 95% Financing
Texas FHA Loans
FHA home loans are ideal for first-time homebuyers in Texas, but you don’t have to be a first-time buyer to qualify and apply:
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- Ideal for First-Time Homebuyers
Texas VA Loans
Approved VA lender in Texas with low rates — we’re here to help Texas veterans confidently secure the home financing they’ve earned and deserve.
- 0% Down Payment Options
- No Monthly Mortgage Insurance
- No DTI Restrictions
- Jumbo Loan Options
USDA Home Loans
USDA home loans for eligible rural properties in Texas. USDA loans offer 100% financing and lower interest rates for qualified homebuyers:
- 100% Financing
- Lower Income Eligibility
- Eligible Rural Areas
- Low Interest Rates
Jumbo Loans
Jumbo mortgages in Texas up to $3,000,000, financed through private investor programs with flexible guidelines and competitive terms:
- Loans up to $3,000,000
- Primary & Secondary Homes
- Flexible Guidelines Through Private Investors
- Minimum FICO >680
Mortgage Refinance
Easy mortgage refinancing in Texas — unlock savings with lower rates and refinance your home for better terms and long-term financial flexibility today.
- Lower Monthly Payments or Interest Rates
- Shorten Mortgage Term
- FHA Streamline
- VA IRRRL’s
Cash Out Refinance
Unlock your home’s equity with a Texas Cash Out Refinance — benefit from lower rates, flexible loan options, and access to cash when you need it most.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Access Home Equity
DSCR Loans
We specialize in Texas DSCR loans designed for real estate investors and rental properties—no tax returns, W-2s, or pay stubs required.
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
Commercial Loans
We offer competitive rates, fast pre-approvals, and flexible commercial loan options for Texas investors and business owners across a wide range of property types.
- Loans up to $50,000,000
- Purchase, Refi, or Cash-Out
- Flexible Structures
- Ultra Competitive Rates
Your Trusted Texas Mortgage Partner
Lone Star Financing is a trusted Texas mortgage company delivering fast, personalized service and competitive loan options. From FHA, VA, USDA, to DSCR loans, we help homebuyers achieve their goals with confidence. Headquartered in Austin, we serve clients statewide with reliable, on-time closings.
Our mission is simple: integrity, exceptional service, and upfront lending. We provide clear, transparent guidance at every step—an approach that has made Lone Star Financing one of Texas’s leading mortgage lenders.
Lone Star Financing is a local Texas mortgage company specializing in residential home loans. As a direct lender, not a mortgage broker, we offer in-house underwriting, which makes us stand out from many online mortgage lenders. Unlike national lenders, we are based right here in Texas, allowing us to provide local customer service and VIP treatment to our clients. Our team of experienced loan officers specializes in Texas home loans, and all of our underwriters are located in Texas as well. Learn more
LOCAL TEXAS MORTGAGE LENDING!
- In-house Underwriting
- No-Obligation Loan Estimate
- Low Rates & Low Fees
- Local Texas Customer Service
- Close in as little as 28 Days
We’re based in Austin, TX, and right here to support you through every step of the mortgage process, from application to closing. We are a direct Texas mortgage lender—not a broker—we have the flexibility to use common sense underwriting, allowing us to approve and close loans quickly. Call us today or apply online to get started—we’re excited to earn your business and help you achieve your homeownership goals!
A Texas-Based Mortgage Lender You Can Trust
At Lone Star Financing, we make homeownership easier with competitive rates, smooth closings, and local expertise you can trust. Whether it’s FHA, VA, or USDA loans, our team is here to support you from application to closing.
As a mortgage broker, Lone Star Financing provides access to wholesale rates and multiple lenders—helping you secure better options and competitive pricing.
Close on Time
Our goal is to close every home loan in 21 days or less. In-house underwriting, processing, and on-time fundings.
Low Rates
Texas Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Local Service
Home Loans in Texas with top-notch customer support. Local underwriting and fast approvals
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
Lone Star Financing - Texas Home Loan Experts
Texas mortgage broker with lower rates and closing costs, in-house underwriting, and personalized home loan solutions with top notch customer service.
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Texas Customer Service!
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Texas Home Loans, Done Right!
Lone Star Financing is a trusted Texas mortgage broker offering residential and commercial loan solutions. We deliver competitive rates, fast pre-approvals, and a smooth, transparent lending experience—guiding homebuyers, homeowners, and investors every step of the way.
Our 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 right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Central Texas Lending