Texas Home Loans Made Easy

LONE STAR FINANCING

YOUR TEXAS
TRUSTED LENDER

Low rates, low fees, and fast closing

Lone Star Financing - Local Texas Mortgage Lender

Whether you’re looking to purchase or refinance, we’ve got you covered! At Lone Star Financing, we provide competitive rates, personalized service, and a seamless process tailored to your unique financial goals.

Texas Home Loans,
Done Right!

Lone Star Financing is a local mortgage company in Austin, Texas, 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

We are a local Texas mortgage company headquartered right here in Austin, TX and can close loans anywhere in Texas. Lone Star Financing is a direct mortgage lender with in-house underwriting, we strive to close all loans in 28 days or less. As a direct lender we offer low rates, low fees, and the best service 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 companies in Texas.   

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Texas Mortgage Lender Since 2007

Lone Star Financing specializes in residential home loans in Texas.  In contrast to many online mortgage lenders, we are local to Texas, which means we offer local customer service and VIP treatment. Our team of professional loan officers specialize in Texas home loans and all of our underwriters are right here in Texas.  We are dedicated to providing the guidance and support you need to navigate the mortgage process with confidence.  Learn more about us and meet the team

 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
Texas Mortgage Lending Company

We’re based in Austin, TX, so we’re right around the corner and here to support you through every step of the process, from application to closing.  We are a direct mortgage lender (not a broker) which means we have the flexibility to underwrite your loan using common sense underwriting and can close loans fast.  Call us today or jump in front of the line and apply online- we look forward to earning your business!

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

Lone Star Financing is your trusted mortgage partner for rate and term refinancing in Texas. Take advantage of lower rates and refinance today!

  • Lower Monthly Payment 
  • Shorten Mortgage Term
  • FHA Streamline 
  • VA IRRRL’s  

Cash Out Refinance

Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower interest rates and flexible loan options to meet your financial goals. 

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

Your Local Texas Lender

Close on Time

Our goal is to close every home loan in 30 days or less. In-house underwriting, processing, and closing for fast mortgage pre approvals and on-time fundings.

Low Rates & Fees

Mortgage Lender in Texas with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.

Customer Service

Mortgage company in Texas with top-notch customer support. We will be with you from your mortgage pre approval to closing. Read what our customers are saying!

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

Pam Trevino - TX Loan Officer

Pam Trevino

Sr. Loan Officer
NMLS #2188276

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
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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
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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
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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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Lone Star Financing - Your Texas Mortgage Lender

TODAY'S TEXAS MORTGAGE RATES:

CALL (855) 314-8080

Texas Home Loans Done Right!
Lone Star Financing

Lone Star Financing is a local Texas mortgage company for residential home loans.  We are a direct lender (not a mortgage broker) and offer in-house underwriting. Our team of underwriters are all in Texas and know and understand Texas underwriting guidelines. We specializing in both conventional and government-backed loans and are an approved lender for FHA, VA, and USDA loans. Whether you are a first time home buyer or an existing home owner in need of refinancing, we’ve got you covered.  Our team is dedicated to providing the guidance and support you need to navigate the mortgage process with confidence. We’re excited for the opportunity to assist you and look forward to earning your trust and business!

Texas Home Loans