McKinney Mortgage Lender

LONE STAR FINANCING

MCKINNEY, TX
HOME LOANS

Direct Lender - Low Rates & Fast Close

Lone Star Financing - McKinney Mortgage Lender

Whether you’re purchasing a new home in McKinney or refinancing your existing mortgage, we’ve got you covered!. We offer competitive rates, outstanding customer service, and in-house underwriting to ensure a fast and efficient loan closing process.

McKinney, TX Mortgage Company

Welcome to Lone Star Financing, your trusted mortgage lender in McKinney, TX. As a direct lender, we provide competitive rates and fast closings, ensuring a smooth and stress-free home loan process. Furthermore, our advanced, technology-driven platform streamlines the entire experience, making it easy for you to complete your application, link bank accounts, upload documents, and secure full loan approval both quickly and securely. Since 2007, we have built a strong reputation based on integrity, exceptional customer service, and transparency, which continues to set us apart.

More About Us

Are you looking for a new home in McKinney? At Lone Star Financing, we specialize in new home purchases, offering pre-qualification letters and a no-cost Good Faith Estimate to help you get started. As an approved lender for FHA, USDA, and Texas VA loans, we provide tailored loan options to meet your unique needs. Give us a call today to discover why so many homebuyers choose Lone Star Financing for their Texas home loans. Whether you’re purchasing a new home in McKinney or refinancing your current mortgage, Lone Star Financing is here to assist you every step of the way. Whether you’re considering Texas FHA loans, VA home loans, or USDA rural home loans in McKinney, we have the perfect solution for you. Our experienced team will guide you through the process, ensuring you secure the best mortgage option for your financial goals.

Why Choose Lone Star Financing?

Direct Mortgage Lender
Local Underwriting and Fast Approvals
No-Obligation Good Faith Estimate
Local McKinney, TX Service

What sets Lone Star Financing apart is our commitment to competitive rates, personalized service, and a wide variety of mortgage products with fast, easy pre-approvals. As a Texas-based mortgage lender, we are dedicated to building long-term relationships with our clients, regardless of market conditions. By combining advanced technology with a client-first approach, we strive to exceed your expectations at every turn.

McKinney Home Loans

New Home Loans

Buying a new home in McKinney? We specialize in new purchases and offer a wide range of new home loan programs:

Primary home, secondary, investment
FHA, USDA, and VA Loans
Conventional Loans
Low Rates & Variable Terms

Conventional Loans

Conventional loans offer lower rates and lower mortgage insurance, only 5% down and flexible terms:

30, 20 and 15-Year terms
Ultra low rates with great credit
Primary home, secondary, investment
Up to 95% Financing

McKinney FHA Loans

FHA home loans are perfect for first time home buyers in McKinney, but you don’t have to be a first time buyer to qualify:

Only 3.5% Down Payment
Easier Credit Qualifying
203k Renovation Loans
1st Time Home Buyers

McKinney VA Loans

We are an approved VA lender for veteran home loans in McKinney, TX, offering specialized VA home loan services:

Zero down, 100% Financing
No Monthly PMI
No Debt to Income Restrictions
VA Jumbo Loans with Down Payment

Cash Out Refinance

Unlock your home’s equity with a Texas Cash Out Refinance – benefit from lower rates and flexible loan options.

Home Improvements
Debt Consolidation
Personal Expenses
Higher Education

Mortgage Refinance

Lone Star Financing offers streamlined refinancing. Take advantage of today’s low rates—refinance and save!

Reduce Monthly Payment
Shorten Mortgage Term
FHA Streamline Available
VA IRRRL Streamline

McKinney TX Mortgage Experts

Fast Close

In-house underwriting, processing, and closing for fast approvals - our goal is to close in 28 days or less.

Rates

McKinney Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.

Service

We prioritize our clients, delivering exceptional service and a smooth, stress-free experience from start to finish.

Jump in Front of the Line
Get Pre Approved Today!

Why Choose Lone Star Financing?
It's our People!

Read Our Reviews...

Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!

As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!

I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.

Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!

I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...

Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!

Your Local McKinney Mortgage Company

Low Rates & Low Fees
Local underwriting
USDA, VA and FHA loans
Texas Customer Service

Lone Star Financing is a preferred mortgage lender among realtors throughout Texas. As a direct mortgage lender, we provide local Texas underwriting, allowing our underwriters to make faster decisions and process loans more efficiently. Specializing in FHA, VA, USDA, and mortgage refinance loans, we are equipped to meet your specific needs. Give us a call today or apply online to discover how we work and why more people are choosing Lone Star Financing as their top choice for mortgage lending in McKinney, Texas.

If you are buying a home in McKinney, TX and need a home loan, Lone Star Financing should be your first stop. We are your local resource for mortgage financing and the number one choice of McKinney Realtors. If you are a first-time home buyer, we can help you apply for an FHA loan. We also specialize in VA home loans, USDA loans and VA loans. Apply online to get approved fast, so you can start the search for your dream home in McKinney, TX with confidence!

Our Texas Locations

Service Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender and can close loans anywhere within the great state of Texas. Your local Texas mortgage lender with low rates, low fees, and top notch customer service.

North Texas Lending

Grand Prairie Home Loan

Wichita Falls Home Loan

South Texas Lending

Beaumont Home Loan

Brownsville Home Loan

Corpus Christi Home Loan

Central Texas Lending

San Antonio Home Loans

San Marcos Home Loans

West Texas Lending

McKinney, TX Real Estate (2024)

McKinney is a very unique city in the fringes of the metroplex and is surrounded by nature. Located on the northeastern corner of the DFW Metroplex; and is the county seat of Collin County. As of October, 2024 there are currently 1,423 resale and new homes for sale in Mckinney, TX, including 56 open houses, as well as 92 homes in the pre-foreclosure or foreclosure process. The average listing price for homes for sale in Mckinney TX was $448,555.

MCKINNEY, TX
HOME LOANS