Mortgage Blog
Texas mortgage tips, loan insights, and home financing guidance.
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Where we share expert advice on home loans, refinancing, and mortgage solutions to help you make confident decisions for your future.

Self-Employed Mortgage Options in Texas (2026 Guide)
Self-Employed Mortgage Options in Texas (2026 Guide) If you’re self-employed in Texas, getting approved for a mortgage can feel harder

Should You Buy a Home in Texas Now or Wait for Rates to Drop in 2026?
Should You Buy a Home in Texas Now or Wait for Rates to Drop in 2026? If you’re planning to

How to Get a Commercial Real Estate Loan in Texas (2026 Guide)
Learn how Texas commercial loans work, including requirements, loan types, and how Lone Star Financing helps structure deals that get

Texas VA Loans: A Simple Guide for Veterans and Military Homebuyers
VA loans in Texas offer no down payment and no monthly mortgage insurance. Learn how Lone Star Financing helps veterans

How to Qualify for FHA Loans in Texas
Learn how to qualify for FHA loans in Texas, including credit score, down payment, and income requirements. A step-by-step guide

Cash-Out Refinance vs HELOC: What Makes Sense for Texas Homeowners in 2026?
Texas homeowners are rethinking HELOCs as rates rise. Compare cash-out refinance vs HELOC options and see which equity strategy makes
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Mortgage Rate Assumptions
* Rates shown assume a purchase transaction.
* Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 80% for conventional loans; a minimum FICO score of 740; and a loan amount of $300,000 for conforming loans, unless otherwise specified.
* Annual Percentage Rate (APR) calculations assume a purchase transaction.
* Rates may be higher for loan amounts under $300,000. Please call for details.
* Rates are subject to change without notice.
* Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
* Subject to underwriter approval; not all applicants will be approved.
* Fees and charges apply.
* Payments do not include taxes and insurance.
* Assumes – 30 Day Rate Lock.
* Rates based on Texas property.
* Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA, VA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
* Restrictions may apply.
* Lender Fees & Appraisal Fees may apply