Home Financing for Texas Heroes
Texas Heroes Loan Program
Lone Star Financing offers this special loan program to our Texas Heroes as a way to give back to the people in our community who make a difference every day. We’re here to help eligible heroes secure a lower-cost loan with no lender fees—our way of saying “thank you for your service.”
- Firefighters
- Law enforcement
- Military members
- Teachers & school personnel
- Healthcare professionals
Homes for Heroes:
Lone Star Financing is proud to offer our Texas Heroes loan program. Key benefits include:
- Save up to $500 on Closing Costs
- FHA, VA, USDA and Conventional
- Lower Interest Rates: Get a lower rate with better credit scores
Texas Heroes We’re Proud to Support
Law Enforcement
Veterans
Teachers
Firefighters
Nurses/Healthcare
First Responders
If you serve as a teacher, firefighter, first responder, nurse, or police officer, Lone Star Financing invites you to take advantage of our Texas Heroes Loan Program. Designed to give back to those who give so much, this program offers no lender fees and no closing costs, helping you save up to $500 while we say thank you for your service.
Texas Heroes Loan Program Requirements
- Purchase as a primary residence
- 620 minimum FICO score
- Eligible professions include firefighters, law enforcement, education, healthcare, and first responders
GOOD Based on 48 reviews Posted on M. C.Trustindex verifies that the original source of the review is Google. We could not be happier with our experience working with Lone Star – Texas Mortgage Lender, Brett Dempsey, and his team. As first-time homebuyers, we were nervous about the process, but Brett and his staff guided us every step of the way with patience, friendliness, and clear communication. They moved swiftly to secure everything we needed, kept us updated at each stage, and made the entire process smooth and stress-free. The rates they secured for us were excellent, the service was absolutely top-notch, and the team’s professionalism gave us complete confidence from start to finish. On top of that, Brett and his team were genuinely friendly and approachable, which made the experience all the more enjoyable. We are grateful for their dedication and couldn’t recommend them more highly. If you’re looking for a lender that combines expertise, efficiency, and personal service, Brett Dempsey and his team at Lone Star are the perfect choice. -The Carter FamilyPosted on Kevin MartinTrustindex verifies that the original source of the review is Google. I've worked with Chris Lederer for well over a decade. He's always made the loan process seamless and goes the extra mile for his clients. His approach, service, and dedication to his clients makes you feel like you've known him your entire life. He's been able to coach myself and other people I know through the loan process and also help them with credit advice or referrals to fix credit for people that don't instantly qualify. I highly recommend working with Chris; you won't be sorry.Posted on Mandy DicktenTrustindex verifies that the original source of the review is Google. I don’t ever writes reviews, but working with James honestly made the homebuying process way easier than I expected. He explained everything clearly, stayed on top of every detail, and somehow kept things calm even when the stress hit. I never felt lost or in the dark — and that’s saying a lot. What stood out most was how real he is. No fluff, no pressure, just straight-up support from start to finish. If you’re looking for someone who actually listens and doesn’t treat you like a number, James is the one to go to. Highly recommend him to anyone serious about buying a home — especially if you want someone in your corner who actually cares.Posted on Gary LarsenTrustindex verifies that the original source of the review is Google. James has been amazing to work withPosted on Joshua HaydenTrustindex verifies that the original source of the review is Google. James I great I've been working with him for awhile yes on our side we had some downers but he was quick to act and told us to get with his credit repair lady and OMG it was fast and she is damn good got my wife's credit up and im glad to say today is the day that we are getting our numbers so we can get our new house bought. Thank you James your a rock starPosted on Josie SolisTrustindex verifies that the original source of the review is Google. I don’t usually leave reviews, but I had to this time. Long story short—Brett Dempsey was AWESOME. As a first-time homebuyer, I had a lot of questions and uncertainty, but Brett was incredibly professional, kind, and helpful throughout the entire process. His communication was excellent—always prompt, clear, and patient, which made a huge difference for me. After a terrible experience with another lender at New American Funding, Brett turned everything around. He not only got us into our home, but also saved us a lot of money. He and his team truly exceeded our expectations. We’re so thankful!Posted on TommyTrustindex verifies that the original source of the review is Google. Shawn D. and the team at Lone Star Financing are the best mortgage professionals you could ask for. Shawn was able to help us get a mortgage when no other lenders could, due to our unique circumstances. He is responsive, knowledgeable, and has the highest integrity. He didn't just help us get a house he re united my family. Thank you for all your hard work Shawn.
Lone Star Financing - Proud Lender for our Texas Heroes
Are you a teacher, firefighter, first responder, nurse or police officer? Lone Star Financing offers a special loan program for our Texas heroes called “Texas Heroes”. This loan comes with zero lender fees and no closing costs – save up to $500. As a trusted Texas lender, we provide this loan program to give back to our community and to say ‘thank you for your service’.
Start Your DSCR Refinance Loan Request
"*" indicates required fields
Start Your DSCR New Purchase Loan Request
"*" indicates required fields
Get Started – Quick Rate Quote
"*" indicates required fields
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