Trusted Texas Lender for Home Loans & Refinance
Lone Star Financing is a trusted lender in Texas, committed to helping individuals and families turn their homeownership dreams into reality. Unlike retail banks, we are a mortgage broker which means we can offer wholesale pricing, multiple lender options, and access to the best rates. From consultation to closing, our team ensures a stress-free experience.
Explore Our Loan Options
Texas Home Loans
We specialize in new purchase loans, 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 $806,500
- 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.
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- Jumbo Loan Options
USDA Home Loans
USDA home loans for rural properties in Texas. USDA loans offer 100% financing and lower rates for qualified buyers:
- 100% Financing
- Primary Residence Only
- Closing Costs 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
DSCR Loans
We specialize in Texas DSCR loans designed for real estate investors—no tax returns, W-2s, or pay stubs required.
- $3M+ (85% LTV)
- No Income Verification
- Use Rental Income to Qualify
- Ideal for Real Estate Investors
Commercial Loans
We offer competitive rates, fast pre-approvals, and flexible commercial loan options for investors and business owners.
- Loans up to $50,000,000
- Purchase, Refi, or Cash-Out
- Flexible Structures
- Ultra Competitive Rates
Your Trusted Texas Mortgage Partner
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.
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 Company 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.
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
David Howes
Sr. Loan Officer
NMLS #1438746
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
- In-House Underwriting
- Fast Approvals
- Low Rates & Fast Close
- Texas Customer Service!
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Local Texas Mortgage Lender
Lone Star Financing is a trusted Texas mortgage lender offering residential and commercial loan solutions tailored to your needs. With in-house underwriting, competitive rates, and fast pre-approvals, our Texas-based team provides a smooth, transparent, and hassle-free lending experience. Whether you’re a first-time homebuyer, refinancing an existing loan, or exploring investment opportunities, we’re here to guide you every step of the way. Apply today and take the next step toward securing your Texas home loan with confidence.
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
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