Welcome to Lone Star Financing - Your Texas Mortgage Lender for new home purchases and mortgage refinance.

Buying or Refinancing? We've got you Covered. Low Rates, Low Fees, & Fast Closings!

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

Buying or Refinancing? We've got you Covered. Low Rates, Low Fees, & Fast Closings!

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

Texas Mortgage Lender

Texas Mortgage Lending Experts

Lone Star Financing offers low rates, low fees and a streamlined home buying process to close loans fast. We are a top mortgage lender in Texas for new home purchases and refinancing.  As a direct lender with in-house underwriting we strive to close all loans in 30 days or less.  Whether buying a new home or refinancing, Lone Star Financing has got you covered!  

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!

Your Local Texas Mortgage 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 refinanceRefinance Today & Save!

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

FHA Home Loans

Texas FHA Loans

Advantages of FHA Mortgages

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

VA Home Loans

Texas VA Loans

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

Texas Jumbo Loans

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

Texas Mortgage Lender – Local Customer Service

Lone Star Financing is a direct lender in Texas with in-house underwriting and processing. This allows us to make decisions fast and close loans faster than traditional mortgage brokers. We offer an array of home loan products including Conventional loans, FHA, USDA, VA, and Jumbo loans.  And as a  direct mortgage lender,  we can close loans in as little as 30 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 will be there with you every step of the way from application to closing.


We are a technology driven mortgage company and offer a level of service that is second to none. With our proprietary automated customer service software you will receive frequent updates as your loan moves through the pipeline so you are never left in the dark. 


  • In-house Underwriting
  • No-Obligation Loan Estimate
  • Low Rates. Low Fees. Fast Closings
  • Local Texas Customer Service
  • Close in as little as 30 Days

As a local Texas mortgage company headquartered right here in Grapevine, TX, we have the flexibility to underwrite your loan using common sense underwriting. 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. 

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 and we look forward to earning your business.

Service Locations:  No matter what city you live in our Texas mortgage experts are here to help.  We are a Texas licensed mortgage company and can close loans anywhere in Texas.

Your Texas Mortgage Company

Helping Open Doors Since 2005

Headquartered in Kingwood, TX with offices in Grapevine and Austin. We’re right around the corner and ready to help with your next Texas home loan or mortgage refinance.

Lone Star Financing is a direct 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.   Voted top lender in Austin by Austin360.com in 2023. 

We are an approved Texas lender for FHA loansVA loans, and USDA loans and specialize in new home purchases and mortgage refinance.  Apply online in minutes and we look forward to earning your business! 

FHA, USDA and VA Mortgages in Texas
Why Choose Lone Star Financing ?
It's Our People!
Norma Duane

Norma Duane


Shella Mullen

Shella Mullen

Customer Care

TX Loan officer

Brooke Benson

Sr. Loan Officer
NMLS #409893

Paul Duane

Paul Duane

Sr. Loan Officer
NMLS #330193

Texas home mortgage

Eric Brown
Loan Officer

NMLS #2253802

Read what Our Customers are saying...
Buying or Refinancing? We've got you covered!
Have Questions? Let's Talk

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