Texas Home Loans Made Easy

LONE STAR FINANCING

Trusted TEXAS
Mortgage LENDER

Low rates, low fees, and fast closing

Lone Star Financing - Local Texas Mortgage Lender

Whether you’re looking to purchase a new home or refinance, we’ve got you covered! We specialize in Texas home loans, offering competitive rates, in-house underwriting, and personalized service.

Texas Home Loans,
Done Right!

We are a local Texas mortgage lender offering low rates, in-house underwriting, and unbeatable service. As a direct lender with local expertise, we make home financing in Texas easy and hassle-free.

Texas Mortgage Company

Texas Mortgage Lender
Your Local TX Lender

Are you in need of a new home loan in Texas? Choose Lone Star Financing, a local Texas mortgage company offering fast, personalized service and a wide range of loan options. Whether you’re looking at FHA, VA, USDA, or Jumbo Loans, we have the right solution to help you reach your homeownership goals. Based in Austin, TX, we proudly serve clients across the state and can close loans anywhere in Texas.

Our mission statement is simple: Integrity, customer service and upfront lending. Our goal is to provide every client with transparent and straightforward guidance throughout their entire mortgage journey. It’s this simple formula that has propelled us to one of the top mortgage lenders in Texas.

More About Us

Lone Star Financing - Texas Mortgage Company

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!

Explore Our Texas Home Loans

Texas Home Loans

We specialize in new purchase loans throughout Texas, providing our clients a wide range of new home loan options.

  • 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.

  • 30, 20 and 15-Year terms
  • Financing up to $766,500
  • Primary home, secondary, investment
  • Up to 95% Financing

Texas FHA Loans

FHA home loans are perfect for first time home buyers in Texas, 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

Texas VA Loans

Approved VA lender in Texas with low rates – we are here to help our Texas Vets secure the home financing they deserve. 

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

USDA Home Loans

USDA home loans for rural properties in Texas. USDA loans offer 100% financing and lower rates for qualified buyers:

  • Rural Properties -100% Financing
  • Primary Residence Only
  • Closing Costs Can Be Rolled In
  • Low Interest Rates

Jumbo Loans

Jumbo Mortgages in Texas up to $3,000,000; financed through private investor programs – flexible guidelines:

  • Loans up to $3,000,000
  • Primary & Secondary Homes
  • Investor Specific Guidelines
  • Credit Score Minimums

Mortgage Refinance

Easy mortgage refinancing in Texas –unlock savings with lower rates and refinance your home for better terms today!

  • Lower Monthly Payment 
  • 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 and flexible loan options.

  • Home Improvements
  • Debt Consolidation
  • Personal Expenses
  • Higher Education

Your Trusted Texas Lender

Close on Time

Our goal is to close every home loan in 30 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

Mortgage company in Texas with top-notch customer support. Local underwriting and fast approvals

Jump in Front of the Line
Pre-Qualify Today

 Start your pre-approval online!

Why Choose Us ? It's our People!
Austin, TX Loan Officer

Shawn Dulac

Sr. Loan Officer
NMLS #1320463

Best Louisiana Mortgage Lender

James Hair

Sr. Loan Officer
NMLS #1680348

Ricardo Trejo - Lakeway, TX

Ricardo Trejo

Branch Manager
NMLS #347481

Eden Vick - TX Lender

Eden Vick

Sr. Loan Officer
NMLS #490185

Roman Balley - Lone Star Financing

Roman Balley

Production Manager
NMLS #2267211

Read Our Google Reviews
Rebeka L
Rebeka L
Heartland, TX - 1 month ago
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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!
Michael Underwood
Michael Underwood
Austin, TX - 1 week ago
Read More
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!
Jordan Rodriquez
Jordan Rodriquez
Bastrop, TX -2 weeks ago
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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.
Veronica M.
Veronica M.
Camey, TX - 1 week ago
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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!!!
Scott Kruse
Scott Kruse
San Marcos, TX - 2 months ago
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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...
David, Y
David, Y
San Antonio, TX - 1 month ago
Read 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!
Lisa Elston
Lisa Elston
Austin, TX - 1 week ago
Read More
Lone Star Financing was the best-from the first phone call and I can honestly say there will be no last phone call-when he asked for docs I delivered and when I asked for something (answers) he delivered-very happy with the process he took my husband and I through and we are now blessed to own our dream home -I’ve already referred him To our son and he will be ready to purchase probably in the next six months and told him that Jimmy Smith is the man!!
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Local Texas Mortgage Lender

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Texas Home Loans Done Right!
Lone Star Financing

Lone Star Financing is a local Texas mortgage company specializing in residential home loans. As a direct Texas mortgage lender with in-house underwriting, we have more control and flexibility over the loan process. Our team of underwriters, all based in Texas, are well-versed in Texas-specific guidelines, ensuring a smooth and efficient experience. We specialize in both conventional and government-backed loans, and we’re proud to be an approved lender for FHA, VA, and USDA loans.

Whether you’re a first-time homebuyer or an existing homeowner looking to refinance, we can customize the perfect home loan just for you. We’re excited to assist you and look forward to earning your trust and business!

Texas Home Loans