LONE STAR FINANCING

TEXAS HOME LOANS, DONE RIGHT!

Start Your Pre-Approval Online

Reliable Texas Mortgage Lender for New Home Loans

Lone Star Financing is a trusted mortgage lender in Texas, committed to helping individuals and families turn their homeownership dreams into reality. With competitive rates, low fees, and a seamless loan process, we specialize in new home purchases, refinancing, and VA and FHA programs. From consultation to closing, our team ensures a smooth, stress-free experience.

Why Lone Star Financing?

Direct Lender: Competitive rates and stress free process
Fast Approvals: Expedited closing times and funding
Customer Service: Experienced, local Texas loan officers

Trusted Texas Mortgage Lender

We’re a Texas-based mortgage lender offering low rates, in-house underwriting, and exceptional service. With local expertise, we make home financing easy and hassle-free.

Local Texas Mortgage Company

Texas Mortgage Lender — Your Local TX Lender

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.

More About Us

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!

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

LEARN MORE APPLY NOW

Conventional Home 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

LEARN MORE APPLY NOW

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

LEARN MORE APPLY NOW

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

LEARN MORE APPLY NOW

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

LEARN MORE APPLY NOW

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

LEARN MORE APPLY NOW

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

LEARN MORE APPLY NOW

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

LEARN MORE APPLY NOW

Your Trusted Texas Lender

Close on Time

Our goal is to close every home loan in 30 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

Why Choose Us ? It's our People!

Lone Star Financing - Texas Home Loan Experts

A direct lender in Texas for low rates, in-house underwriting, and personalized home loan solutions with top notch customer service.

FHA, VA & Jumbo Loans

Direct Texas Lender
In-House Underwriting

Fast Approvals
Low Rates & Fast Close
Texas Customer Service!

Read Our Google Reviews

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!

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!

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.

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!!!

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...

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!

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!!

TODAY'S TEXAS MORTGAGE RATES:

CALL (855) 314-8080

Local Texas Mortgage Lender

Texas Home Loans Done Right! — Lone Star Financing

Lone Star Financing is a trusted Texas mortgage lender specializing in residential home loans. With in-house underwriting, we offer fast pre approvals, lower rates, and more flexibility. Our Texas-based team knows the local market inside and out, ensuring a smooth, hassle-free process. We provide conventional and government-backed loans, including FHA, VA, and USDA financing. Apply today and get one step closer to getting approved for your home loan in Texas!

Whether you’re a first-time homebuyer in Texas or an existing homeowner looking to refinance, we can customize the perfect home loan just for you. We’re excited to assist you and look forward to earning your trust and business!

Service Locations

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.

North Texas Lending

Garland

Grand Prairie

Fort Worth

Lewisville

McKinney

Mesquite

Plano

South Texas Lending

Central Texas Lending

West Texas Lending

Texas Mortgage Lender
Give us a call! (855) 314-8080

Latest Mortgage Blogs

Best Mortgage Lender Texas: Why Lone Star Financing Stands Out

Looking for the best mortgage lender in Texas? Lone Star

Buy vs. Rent: Is Your Monthly Payment Building Wealth or Just Buying Time?

Let’s keep it real – If you’re renting for $2,000

Buy Smarter: Why Refinancing First Could Be Your Best Move in Today’s Market

Do I Have to Sell Before I Buy? Not Always—Here’s

Do You Really Need a Realtor? Here’s Why the Answer is YES

With so many online tools available, it’s easy to think,

Lone Star Financing | Texas Home Loans

Lone Star Financing is a DBA of First Option Mortgage, LLC.
NMLS #123411
14425 Falconhead Blvd E, Suite 100
Austin, TX 78738
Texas Recovery Fund Notice
NMLS Consumer Access

Content Copyright 2024 Mortgage Company in Texas