Texas Mortgage Experts You Trust
Local expertise, transparent guidance, lower rates and a better experience
⭐ Top-Rated Mortgage Broker for Texas Homebuyers
Expert guidance. Better options.
A smoother path to homeownership.
Lone Star Financing is a trusted Texas mortgage broker specializing in new home loans and mortgage refinancing. We deliver competitive rates, clear guidance, and a personalized approach designed to make the home loan process simple, efficient, and stress-free.
As a mortgage broker, we offer access to wholesale pricing and multiple lenders—providing more flexibility and better loan options than traditional banks. From consultation through closing, our experienced team stays hands-on to ensure a smooth, well-communicated lending experience.
Real People. Local Expertise. Better Service.
Brett Dempsey
Brett Dempsey is based in the Dallas area and brings over a decade of experience in the mortgage industry. He specializes in FHA, VA, conventional, and DSCR loans, delivering clear guidance and personalized solutions. Known for his straightforward approach, loan product expertise and strong communication, Brett is committed to making the home loan process smooth, informed, and stress-free from start to finish.
Debbie Odell
Debbie Odell is a Senior Loan Officer with over 25 years of experience as both a processor and originator. She helps clients secure the right financing for purchases, refinances, and investment properties with a personalized, transparent approach. As a mortgage broker with Lone Star Financing, Debbie works with a wide network of lenders to deliver competitive options and guide clients through every step with clarity and confidence.
Glen Dicken
Glen Dicken is a Senior Loan Officer serving Plano, the greater DFW area, and clients across Texas. With extensive experience in both QM and Non-QM lending, Glen brings strong industry knowledge and a client-focused approach to every transaction. He is dedicated to helping borrowers navigate the complexities of home financing with confidence, delivering tailored loan solutions, clear communication, and exceptional client service.
Neal Pyles
Neal Pyles is a Loan Officer serving the Dallas–Fort Worth area and clients across Texas. With over eight years of mortgage experience and a background in Economics and Marketing from the University of North Texas, Neal specializes in first-time homebuyers, self-employed borrowers, 1099 income, and DSCR investment property loans, delivering a clear, simple, and personalized lending experience.
Jen Papaelias
Chien “Jen” Papaelias is a Senior Loan Officer with over 12 years of experience in residential mortgage lending, specializing in Conventional, FHA, VA, and DSCR loan programs. Known for her professionalism, market knowledge, and client-first approach, Jen delivers clear communication, superior service, and personalized guidance from application through closing. She proudly calls Houston, Texas home.
Mark Dusza
Mark Dusza is a Senior Loan Officer with more than 25 years of mortgage experience. He specializes in home purchases, mortgage refinances, and DSCR loans. Mark is known for his steady guidance, market insight, and commitment to delivering tailored financing solutions. From consultation to closing, he focuses on educating clients to ensure a smooth experience throughout the entire loan process.
Ryan Wood
Ryan Wood is based in the Dallas–Fort Worth area and a graduate of the University of Texas at Arlington. With over five years of experience as a mortgage processor, Ryan brings a detail-driven, client-focused approach to his role at Lone Star Financing. Known for strong communication and relationship-building, he helps ensure a smooth, efficient loan process while delivering exceptional service at every stage.
Lisa Collins
Lisa Collins is a dedicated mortgage loan originator based in Austin, known for exceptional customer service. She specializes in residential home loans and DSCR financing for real estate investors, guiding clients through the mortgage process with confidence and delivering personalized solutions and responsive support from application through closing.
Allen Lundberg
Allen Lundberg is a Senior Loan Officer at Lone Star Financing with over 25 years of experience guiding clients through the mortgage process. Known for his strategic, problem-solving approach, Allen specializes in Conventional, FHA, and VA loans and delivers tailored solutions through clear communication and strong relationships. He proudly calls Austin home.
Randy Meeks
Randy Meeks is Senior Vice President of Commercial Lending, bringing decades of experience in banking, credit underwriting, and asset-based lending. He has served in senior leadership roles including Chief Credit Officer and Executive Vice President, overseeing complex commercial and real estate transactions. Randy is known for his disciplined approach, deep credit expertise, and practical solutions for investors.
Kittrick Taylor
Kittrick Taylor brings a strong sense of community and trust to his clients. With a background in Business Management and nine years of experience in commercial insurance, he developed deep expertise in financial analysis and risk assessment. Today, Kittrick applies that foundation to commercial lending, delivering practical guidance and client-focused financing solutions.
Ryan Collins
Ryan Collins, a Texas Tech graduate, brings over 20 years of experience in the mortgage industry. He leads business development and marketing initiatives at Lone Star Financing, collaborating across departments to enhance the customer experience. With a passion for marketing and user interface design, Ryan focuses on streamlining the loan process for greater efficiency.
Our mission statement is simple: integrity, customer service and upfront lending. It’s this simple recipe has propelled us to one of the top mortgage companies in Texas.
Our Loan Options
Conventional Loans
Flexible mortgage options with competitive rates and low down payment solutions.
FHA Loans
Flexible guidelines with down payments as low as 3.5% for qualified buyers.
VA Loans
Zero-down financing and exclusive benefits for eligible veterans and military families.
Mortgage Refinance
Lower your rate, reduce payments, or improve your mortgage loan terms.
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 renovations, debt consolidation, or major expenses.
Commercial Loans
Business and investment property financing solutions for Texas borrowers.
Trusted by Texas Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Sharon Darby
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 when challenges arose.
Michael Underwood
As a realtor in Austin, I’ve worked with Lone Star Financing for nearly a decade. Their loan officers are among the best communicators in the business and consistently provide timely updates throughout the process.
Joshua Hayden
Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker.
Work with a licensed Texas mortgage broker backed by experienced loan officers who understand Texas lending guidelines, multiple loan programs, and how to structure financing that fits your goals. Lone Star Financing provides personalized guidance, competitive options, and local expertise to help you navigate the mortgage process with clarity and confidence.
DSCR Refinance
Get Your DSCR Refinance Quote
Fast Quotes • LLC Eligible • Investor-Focused
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DSCR Purchase
Get Your DSCR Purchase Quote
Fast Quotes • LLC Eligible • Investor-Focused
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Commercial Loan Request
Submit Your Deal for Review
Fast review. No obligation. Response within 1 business hour.
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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