New Home Loans
Made Simple
Specializing in FHA, VA, USDA, Conventional, and Jumbo loans with lower rates and expert guidance
Your Trusted Partner for New Home Purchases in Texas
Buying a home is one of the biggest financial decisions you will make. The right lending partner makes all the difference. Lone Star Financing delivers lower rates, reduced closing costs, and a streamlined process to help you move quickly and confidently.
With access to 25+ lenders and wholesale pricing, we offer more options, better rates, and faster approvals. Whether you are a first-time buyer or upgrading, our team provides expert guidance and tailored solutions so you can close with confidence.
- FHA, VA & Jumbo Loans
- Wholesale Pricing Access
- More Loan Options
- Low Rates & Fast Close
- Texas Customer Service!
Fast. Secure. No Obligation.
Conventional Loans
Conventional loans with favorable terms—lower mortgage insurance and lower rates for qualified buyers:
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- Up to 95% Financing
Texas FHA Loans
FHA loans are ideal for first-time homebuyers in Texas, but first-time status is not required to qualify:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- First-Time Homebuyers
Texas VA Loans
VA loans with low rates — here to help Texas veterans secure the home financing they’ve earned and deserve:
- True Zero Down
- No Mortgage Insurance
- No DTI Restrictions
- Jumbo Loan Options
USDA Home Loans
USDA loans for eligible rural properties, offering 100% financing and lower rates for qualified buyers:
- 100% Financing
- Lower Income Eligibility
- Eligible Rural Areas
- Low Interest Rates
Jumbo Loans
Jumbo loans up to $3M with flexible guidelines and competitive terms through our extensive lender network:
- Loans up to $3,000,000
- Primary & Secondary
- Flexible Guidelines
- Minimum FICO >680
DSCR Loans
Texas DSCR loans for real estate investors, based on rental income—no tax returns, W-2s, or pay stubs required:
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
Your Trusted Texas Mortgage Broker
At Lone Star Financing, we simplify the path to homeownership by combining competitive rates, efficient closings, and trusted local expertise. Whether you’re exploring FHA loans, VA loans, USDA financing, or DSCR loans in Texas, our experienced team is here to guide you smoothly through every step of the process.
You’ll get personalized guidance, clear answers, and a streamlined experience from start to finish. Our goal is to make your home purchase simple, efficient, and stress-free.
Close on Time
Our goal is to close every home loan in 21 days or less. Streamlined processing and on-time fundings.
Low Rates
Texas Mortgage Broker 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 and local market expertise
Your Trusted Texas Mortgage Broker
Lone Star Financing specializes in new home purchases across Texas, delivering competitive rates, reduced closing costs, in-house underwriting, and personalized home loan solutions backed by exceptional service.
NEW HOME PURCHASES
Common Questions, Answered
What types of home purchase loans do you offer?
We offer a full range of home purchase loans including FHA, VA, USDA, conventional, and jumbo options. Whether you are a first-time buyer or purchasing your next home, we will walk you through each option and help you choose the best fit based on your goals and financial situation.
How do I know which loan program is right for me?
The right loan depends on your credit, down payment, income, and long-term plans. Our team takes the time to understand your situation and compare multiple options side by side, so you can make a confident decision without feeling overwhelmed.
How fast can I get pre-approved?
In most cases, we can get you pre-approved the same day. A strong pre-approval helps you shop with confidence and makes your offer more competitive when you find the right home. After pre-approval our goal is to close your loan in 21 days or less.
How much do I need for a down payment?
Down payment requirements vary by loan type. Some programs allow as little as 0 percent down, while others may require 3 to 5 percent or more. We will break down your options clearly and help you find a solution that works for your budget.
What are your rates and fees?
Rates and fees can vary based on your credit profile, loan type, down payment, and overall scenario. Once we review your information and complete your borrower profile, we will provide a detailed Loan Estimate that clearly outlines your rate, monthly payment, and closing costs. Our goal is full transparency so you know exactly what to expect before moving forward.
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.
Local Expertise. Statewide Lending.
Lone Star Financing is a trusted Texas mortgage broker specializing in both residential and commercial loans. We provide conventional and government-backed loans, including FHA Loans, VA Loans, and USDA financing. We proudly offer the Texas Heroes Loan Program and special incentives for First Responders. Apply today and get one step closer to getting approved for your home loan in Texas!
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
