Texas Home Loans
Done Right!
More loan options, better rates, and personalized guidance from a local Texas mortgage broker
More loan options and better rates from a trusted Texas mortgage broker
⭐ Texas Mortgage Broker – Low Rates & Fast Closings
Trusted Texas Mortgage Broker for Home Loans
Whether you’re purchasing a home, refinancing your mortgage, or exploring FHA, VA, Conventional, or Jumbo financing, Lone Star Financing offers better rates, more loan options, and expert guidance every step of the way.
Great rates matter, but so does having the right team on your side. Our experienced Texas loan officers provide honest guidance, responsive communication, and personalized support from application to closing.
- We Shop 30+ Lenders
- Lower Wholesale Rates
- More Loan Options
- Personalized Guidance
- Fast Closings
- Texas Mortgage Experts
Trusted by Texas homebuyers since 2005 for competitive rates, low fees, expert guidance, and fast closings.
Lone Star Financing Advantage
Texas mortgage broker providing lower rates, more loan options, and greater financing flexibility.
One lender. One set of loan options.
Better rates and more loan options.
Limited to the programs they offer.
Access a wider range of loan programs.
One set of guidelines for every borrower.
Flexible guidelines for more borrowers.
One set of rigid credit requirements.
Access lenders with more flexible credit guidelines.
Compare 30+ Lenders
One lender
30+ lender options
More Loan Options
Limited loan programs
More loan programs
Flexible Guidelines
One set of guidelines
More flexible guidelines
More Credit Flexibility
Rigid credit requirements
More flexible credit options
We specialize in Texas home loans with flexible financing options, competitive rates, and a streamlined mortgage process.
- Primary & Secondary Homes
- FHA, VA & USDA Options
- Low Down Payment Programs
- Competitive Rates & Terms
Competitive conventional loan options with flexible terms, lower mortgage insurance, and attractive rates for qualified homebuyers.
- 30, 20 & 15-Year Fixed Terms
- Financing Up to $832,750
- Primary & Secondary Homes
- Up to 95% Financing Available
Texas FHA loans offer flexible guidelines, low down payment options, and an affordable path to homeownership for first-time buyers.
- Low 3.5% Down Payment
- Flexible Credit Guidelines
- 203(k) Renovation Financing
- Ideal for First-Time Buyers
Texas VA loans provide eligible veterans and active-duty service members with flexible financing and powerful benefits.
- Zero Down Payment Options
- No Private Mortgage Insurance
- Flexible Credit Guidelines
- Exclusive Benefits for Veterans
Refinancing can help lower your monthly payment, lower your rate, or improve your loan terms with more flexible options.
- Lower Monthly Payments
- Shorten Your Mortgage Term
- FHA Streamline Refinancing
- VA IRRRL Refinance Options
DSCR loans for real estate investors with flexible qualifying based on rental income instead of personal income documentation.
- Financing Up to $3 Million+
- No Tax Returns or W-2s
- Qualify Using Rental Income
- Multifamily, Airbnb & STR Eligible
More Loan Options
USDA Loans
Zero-down financing options for eligible rural and suburban homebuyers.
Jumbo Loans
Flexible financing for higher-value homes with competitive mortgage options.
Cash-Out Refinance
Access your home equity for improvements, debt consolidation, or major expenses.
Commercial Loans
Business and investment property financing solutions for Texas borrowers.
Better Rates. More Options. Faster Closings.
Today's Mortgage Rates
Compare mortgage rates for purchase and refinance loans, including Conventional, FHA, VA, Jumbo, and USDA.
Get a Free Rate Quote
Get personalized mortgage rates in seconds and compare payment options, loan terms, and financing scenarios with no obligation required.
Get Instant Rate QuoteReal People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Mark Dusza
Sr. Loan Officer
NMLS #860285
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Glen Dicken
Sr. Loan Officer
NMLS #313548
Fast, Reliable Texas Mortgage Lender You Can Trust
Lone Star Financing is a trusted Texas mortgage broker offering lower rates, fast closings, and a streamlined loan experience. Whether purchasing a home or refinancing, we help simplify the process with honest guidance, clear communication, and personalized financing solutions every step of the way.
The Texas Mortgage Broker Advantage
At Lone Star Financing, we help Texas homebuyers secure competitive rates, faster closings, and personalized financing solutions. Whether you’re purchasing a home or refinancing, our mortgage broker model gives you access to more loan options and competitive pricing.
As a Texas mortgage broker, Lone Star Financing provides access to multiple lenders and wholesale mortgage pricing, helping you secure lower rates and more financing options.
Close on Time
Our goal is to close every home loan in 21 days or less, with efficient underwriting and streamlined processing.
Better Rates
Texas mortgage broker with access to wholesale pricing and lower rates
Local Service
Home Loans in Texas with top-notch customer support. Local underwriting and fast approvals.
Texas Mortgage Lender with Low Rates & Fast Closings
We help Texas homebuyers secure competitive rates, flexible loan options, and fast closings with personalized guidance every step of the way. From FHA and VA loans to mortgage refinancing, we simplify the entire process with better rates, and a streamlined mortgage experience.
Why Choose Lone Star Financing
Trusted by Texas Homebuyers
Real feedback from Lone Star Financing clients across Texas.
Daniel Ramirez
2 months ago
★★★★★
Jen made our first home mortgage process easy and stress-free. She was extremely responsive, explained everything clearly, and helped us secure a great rate. Jen answered all our questions promptly and made sure we understood every detail before closing.
Sharon Darby
3 months ago
★★★★★
Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference, especially when challenges arose.
Bettis Morelock
3 months ago
★★★★★
Brett is so helpful. Quality service. Can’t recommend enough.
Dan Andrews
4 months ago
★★★★★
I don’t typically write reviews, but I wanted to acknowledge the excellent service from this company. Mark was knowledgeable, responsive, and a pleasure to work with.
Luke
4 months ago
★★★★★
I highly recommend Jen at Lone Star Financing. Jen is very knowledgeable, patient, and efficient. She was always available when we needed to contact her and secured us a great rate.
Chuen Leik Low
4 months ago
★★★★★
Amazing service from Lone Star Financing. Jen was knowledgeable, responsive, and made the mortgage process effortless. We always knew what was happening and felt in great hands.
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Your Local Texas Mortgage Experts
Lone Star Financing is a trusted mortgage broker in Texas 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.
As a premier Texas mortgage lender and mortgage broker, we help homebuyers compare competitive mortgage rates and loan programs from more than 30 wholesale lending partners. Whether you’re purchasing your first home, refinancing an existing mortgage, or exploring FHA, VA, Conventional, USDA, Jumbo, or investment property financing, our experienced loan officers provide personalized guidance, low rates, and a stress-free lending experience. We proudly serve homebuyers throughout Texas with local expertise, fast approvals, and flexible home loan solutions tailored to your individual goals.
Our Texas Service Areas : Lone Star Financing is a trusted mortgage lender and Texas mortgage broker serving homebuyers throughout the state. Compare competitive mortgage rates, low fees, and flexible home loan programs including FHA, VA, Conventional, USDA, Jumbo, and refinance loans with fast pre-approvals and personalized local service.
South Texas Home Loans
Central Texas Home Loans
Looking for a trusted mortgage lender in Texas? Lone Star Financing proudly serves homebuyers across the state with competitive mortgage rates, personalized guidance, and access to 30+ wholesale lending partners.