Your Trusted Texas Mortgage Lender

New Home Purchase or Refinance? We've Got You Covered!


Low Rates. Fast Closings.
Texas Mortgage Experts
VA Loans
Up to 100%
FHA Loans
First Time Buyers
3.5% Down
USDA Loans
Texas Rural
Low Rates & Fees
Fast Closings
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New Home Purchase or Refinance?
We've Got You Covered!


Today's Mortgage Rates

30-Year Conventional, FHA, VA and USDA
Purchase Rate / APR
Mortgage Type
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Texas Rates current as of 10/16/2017, 2:56:53 PM . *Rate Assumptions

Texas Mortgage Lenders

Texas Mortgage Experts

Lone Star Financing is a local Texas mortgage lender with low rates and upfront lending. We strive to provide a streamlined home financing process and offer a level of customer service that is second to none.  

As a trusted mortgage lender in Texas we can help you finance a new home or refinance your existing home.  As a direct lender with in-house underwriting our goal is to close all loans within 28 days or less.  Our friendly loan officers are here to help – call or apply online today! 

Why Lone Star Financing?

Close on Time

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

Low Rates & Fees

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

Customer Service

Local Texas Lender with top-notch customer support. We will be with you at every step from application to closing. Read what our customers are saying!

Why Choose Lone Star Financing ?
It's Our People!
Jimmy Smith Loan Officer

Jimmy Smith

Loan Officer
NMLS #2038961

Texas mortgage loans

Shella Hendricks

Loan Officer
NMLS #2428695

Texas home mortgage

Eric Brown
Loan Officer

NMLS #2253802

Paul Duane

Paul Duane

Sr. Loan Officer
NMLS #330193

TX Mortgage Company

Ryan Collins

Production Support

Texas Home Loans

Have Questions? Let's Talk

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Lone Star Financing - Your Texas Lender

New Home Loans

Texas Mortgage LendersNew Home Purchase

  • Primary Home, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, USDA and VA
  • 30-Year & 20-Year Fixed Rates

Mortgage Refinance

Texas Mortgage CompanyRefinance Today & Save!

  • Reduce Monthly Payment
  • Shorten Mortgage Term
  • Cash-out Debt Consolidation
  • Streamline Options Available

FHA Home Loans

Texas Home Loans

Advantages of FHA Mortgages

  • Great 1st Time Buyers
  • Low Down Payment
  • Easier Credit Qualifying
  • 203K Renovations Loan

VA Home Loans

Home Loans TX

Advantages of VA Loans

  • Zero Down, 100% Financing
  • No Monthly Mortgage Insurance
  • No Debt to Income Restrictions
  • Jumbo Option with Down Payment

Conventional Home Loans

Conventional Home Loans

Conventional Loan Advantages

  • Primary, 2nd homes and Investment
  • Up to 97% Financing
  • No Up-front Funding Fees
  • Renovation Loan Programs

USDA Home Loans

Texas USDA Loans

Advantages of USDA Loans

  • 100% Financing Rural Properties
  • Primary Residence Only
  • Closing Costs Can be Rolled In
  • Home Repairs Can be Rolled In

Jumbo Home Loans

Mortgage Company Texas

Advantages of Jumbo Mortgages

  • Primary & 2nd Homes
  • 80% Loan to Value
  • Fixed Rate and Arm Options
  • Reserves Required

Texas Reverse Mortgage

Texas Reverse Mortgage

Let your home work for you

  • No Monthly Mortgage Payments
  • Cash-Out Options
  • Money it Tax Free
  • No Credit Score Requirements

Local Texas Customer Service

Lone Star Financing is a direct mortgage lender in Texas with low rates and low fees. We offer an array of home loan products including Conventional loans, FHA, USDA, VA, and Jumbo loans.  And a direct lender with in-house underwriting and processing, we can close loans in as little as 28 days or less.


Unlike many online mortgage companies, we are local to Texas and that means local customer service and VIP treatment. Our mortgage professionals are all experienced with Texas home loans and can help customize the perfect loan just for you.  


We are Texas mortgage experts and we are right around the corner and that means accountability and top notch customer service.  When you get a home loan at Lone Star Financing, you are updated frequently as your loan moves through the pipeline and we are there every step of the way from application to closing.  Getting a new home loan can be stressful and we are here to make the entire process as painless as possible. 



  • In-house Underwriting
  • No-Obligation Loan Estimate
  • Low Rates & Low Fees
  • Local Texas Customer Service
  • Close in as little as 28 Days

Your local Texas mortgage company headquartered in Grapevine, TX, we have the flexibility to underwrite your loan using common sense underwriting which mens we can make decisions fast and close loans fast.  Unlike many Texas mortgage companies that focus primary on rate and high-pressure sales, we educate you on the best home loan program for your individual needs, structure your mortgage according to your finances, and offer the lowest possible rates available. We will walk you step by step through the Texas home loan process and keep you informed every step of the way from application to closing. 

Thank you for considering Lone Star Financing as your home loan partner in Texas—we look forward to earning your business and forging a long-term relationship. Apply online or call today for same day home loan approvals!

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 Texas licensed mortgage company and can close loans anywhere within the great state of Texas.

Texas Mortgage Company

Helping Open Doors Since 2005

Texas LenderWe are a local Texas mortgage company headquartered in Grapevine, TX with offices in Houston and Austin.  That means we can provide top notch service and we can close loans fast. 

Lone Star Financing is a direct mortgage lender in Texas with low rates and low fees – we strive to close all loans in 28 days or less. Our mission statement is simple:  integrity, customer service and upfront lending. It’s this simple formula that has propelled us to one of the top mortgage companies in Texas.   

We are a local mortgage lending company for Texas FHA loans, Texas VA loans, and Texas USDA mortgages and specialize in new home purchases and mortgage refinance.  Jump in front of the line and apply online and we look forward to earning your business! 

TX Mortgage Lender

Get Started - Quick Rate Quote

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