Texas Home Loans,
Done Right!
Low Rates • Low Fees • Fast Closings
Start Your Pre-Qualification in 2 Minutes
⭐ Top-Rated Mortgage Broker for Texas Homebuyers
Trusted Texas Mortgage Broker for Home Loans and Refinances
Lone Star Financing is a leading mortgage broker delivering lower rates, lower closing costs, and a streamlined experience.
Access to 25+ lenders and wholesale pricing, we offer more options, better rates, and faster closings. Our team provides expert guidance and tailored loan solutions, making the process simple and stress-free from application to closing.
- FHA, VA & Jumbo Loans
- Wholesale Pricing Access
- More Loan Options
- Low Rates & Fast Close
- Texas Customer Service!
Fast. Secure. No Obligation.
Today's Mortgage Rates
Compare mortgage rates for purchase and refinance loans, including Conventional, FHA, VA, Jumbo, and USDA.
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.
Fast, Reliable Texas Mortgage Company You Can Trust
Lone Star Financing is a trusted Texas mortgage company offering competitive 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.
A Better Way to Finance Your Home
At Lone Star Financing, we make homeownership easier with competitive rates, smooth closings, and local expertise you can trust. Whether a new home purchase or a cash-out refinance—we’ve got you covered!
As a mortgage broker, Lone Star Financing provides access to wholesale rates and multiple lenders—helping you secure better options and competitive pricing.
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 Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved.
Local Service
Home Loans in Texas with top-notch customer support. Local underwriting and fast approvals.
Texas Mortgage Broker 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
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Mark Dusza
Sr. Loan Officer
NMLS #860825
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Glen Dicken
Sr. Loan Officer
NMLS #313548
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. Chien was knowledgeable, responsive, and a pleasure to work with.
Luke
4 months ago
★★★★★
I highly recommend Chien at Lone Star Financing. Chien 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. Chien was knowledgeable, responsive, and made the mortgage process effortless. We always knew what was happening and felt in great hands.
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Local Expertise. Statewide Lending.
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.
Our Locations : No matter where you’re located in Texas, our home loan experts are ready to help. As a licensed Texas mortgage lender, we deliver competitive financing and fast closings throughout the state.
South Texas Lending
Central Texas Lending
