Wichita Falls, TX Mortgage Lender

LONE STAR FINANCING

Wichita FAlls
HOME LOANS

Texas Lender - FHA, VA & Jumbo Loans

Lone Star Financing - Wichita Falls Mortgage Lender

Whether you’re buying a new home in Wichita Falls or looking to refinance your existing mortgage, we’re here to assist you. With competitive rates, exceptional service, and in-house underwriting, we provide a smooth and stress-free loan experience.

Mortgage Company in Wichita Falls, TX

As a direct lender, we not only offer competitive rates but also ensure quick closings, all to guarantee a seamless home loan experience. Additionally, our advanced, technology-driven platform simplifies the entire process, allowing you to easily complete your application, link your bank accounts, upload necessary documents, and obtain full loan approval both swiftly and securely. Whether you’re purchasing a new home or refinancing in Wichita Falls, Lone Star Financing is here to guide and support you every step of the way, ensuring a smooth journey from start to finish. Welcome to Lone Star Financing, your local mortgage lender in Wichita Falls, TX.

More About Us

Lone Star Financing is a top mortgage lender in Wichita Falls, Texas, known for offering low rates and fast, efficient loan processing. As a direct lender with local underwriting, we make quick decisions to streamline your loan experience. With a technology-driven approach and a team of expert loan officers, we provide unmatched customer service. Contact us today or apply online to see why more people are choosing Lone Star Financing as their preferred mortgage lender in Wichita Falls, TX.

We specialize in new home purchases, offering FHA, VA, and conventional home loans with ultra-low rates, low fees, and fast closings. From application to closing, we ensure a smooth, hassle-free process. Call us today to discover why so many Wichita Falls borrowers trust Lone Star Financing as their go-to mortgage partner.

Direct Lender
Low Rates
Local Underwriting
Fast Closings

Lone Star Financing—your trusted mortgage company in Wichita Falls, TX for new home purchases and refinancing. Learn more About Us

Our Home Loan Programs

New Home Loans

Looking to buy a new home in Wichita Falls? We offer a variety of loan programs for new home purchases:

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

Conventional Loans

Conventional fixed rate loans provide lower rates and reduced mortgage insurance with flexible terms:

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

Wichita Falls FHA Loans

FHA loans are perfect for first time home buyers in Wichita Falls, only 3.5% down and gift funds allowed:

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

Wichita Falls VA Loans

Preferred VA lender for veteran home loans in Wichita Falls, TX, dedicated to helping you maximize your benefits:

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

USDA Loans

USDA loans for rural properties in Wichita Falls. USDA loans offer 100% financing options with lower rates:

Rural Properties -100% Financing
Primary Residence Only
Closing Costs Can Be Rolled In
Low Interest Rates

Mortgage Refinance

We offer streamlined hassle free mortgage refinancing. Take advantage of lower rate – refinance today and save!

Rate & Term Refinance
Cash-Out Refinance
FHA Streamline Available
VA IRRRL Streamline

Your Texas Trusted Lender

Close on Time

With in-house underwriting and closing, we ensure fast approvals for a smooth and stress-free process.

Low Rates

Wichita Falls Mortgage Lender with Low Rates, Low Fees and Fast Closings. VA, FHA and USDA Loans.

Service

Wichita Falls' trusted lender, known for exceptional customer service, low rates, and fast closings.

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Get Pre Approved Today!

Why Choose Us? 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!

Local TX Mortgage Lender

Wichita Falls Lender
Low Rates & Low Fees
Close in as few as 28 Days
Local underwriting
Texas Customer Service

Are you buying a new home in Wichita Falls, Texas? We’re here to help! As a direct mortgage lender, we provide in-house underwriting and processing, allowing us to close loans quickly and efficiently. Additionally, we are an approved FHA lender for first-time homebuyers, as well as an approved VA lender, proudly serving our U.S. servicemen and women. Furthermore, we specialize in USDA loans for rural properties. With a commitment to excellence, we aim to close all loans in 28 days or less, and in many cases, we offer same-day approvals.

What our Customers Say: “I called Lone Star Financing for help with a refinance and was really impressed at how seamless and hassle free the entire process was. I really like the ability to upload my documents and e-sign online. Ricardo and his team were extremely helping knowledgable and provided exceptional service from start to finish.” – Brenda C.

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

Wichita Falls, TX Real Estate (2024)

As of October, 2024 there are currently 482 resale and new homes in Wichita Falls, including 19 open houses, as well as 62 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average cost for new homes in Wichita Fallas was $196,750 trending up 17.8% year over year. Search homes for sale in Wichita Falls, Texas.

Compared to the rest of the state of Texas, Wichita Falls home prices are significantly less expensive than the state’s average price of $288,565.

Wichita FAlls
HOME LOANS