Your Katy Lender for New Home Loans & Mortgage Refinancing
Buying a new home in Katy, TX? Lone Star Financing is a trusted local mortgage lender helping Katy homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan options, and personalized service tailored to today’s Katy buyers—whether you’re purchasing your first home or moving up.
As a mortgage broker, we work with over 20 lenders to access wholesale pricing, lower rates, and faster closings. Our team provides expert guidance and customized loan solutions, supporting you from application through closing and beyond.
- Home Loans & Refinance
- Mortgage Broker
- Wholesale pricing access
- Low Rates & Low Fees
- Texas Customer Service!
Our Katy Home Loans
New Home Loans
Buying a new home in Katy, TX? We offer a variety of loan programs for new purchases:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates
Conventional Loans
Conventional loans offer several advantages- lower rates and flexible insurance options.
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- Up to 95% Financing
Katy FHA Loans
FHA loans are ideal for first-time buyers – only a 3.5% down payment and gift funds allowed.
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Katy VA Loans
Approved VA lender— low rates and committed to helping Texas Vets maximize their benefits.
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Loans
Cash Out Refinance
Unlock the equity in your home with a Texas Cash Out – enjoy lower rates and flexible options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Low rates and a streamlined process to refinance your mortgage— refinance & save.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
Texas Home Loans, Done Right!
Lone Star Financing is your trusted Katy mortgage expert, providing personalized home loan guidance backed by deep local market knowledge. We help buyers and homeowners choose the right financing with confidence at every stage of the loan process.
Close on Time
Our goal is to close every loan in 21 days or less. As a broker with controlled processing we can ensure fast approvals and timely funding.
Low Rates
Home Loans in Katy, TX with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Service
Katy mortgage lender with top-notch customer support. We will be with you at every step of the way.
A Better Way to Finance Your Home
Welcome to Lone Star Financing, your trusted mortgage lender in Katy, TX. We offer competitive rates, fast closings, and a streamlined digital experience designed to make home financing simple and stress-free. Our secure platform lets you apply online, upload documents, connect bank accounts, and receive loan approval with ease.
Whether you’re buying a new home or refinancing in Katy, our team is here to help. As an FHA- and VA-approved lender, Lone Star Financing delivers expert guidance and reliable solutions to support your homeownership goals.
Looking to buy a new home in Katy, TX? We’re here to help! As a top mortgage company in Katy, Texas, Lone Star Financing offers customized solutions that focus on competitive rates, exceptional service, and deep local expertise. Whether you’re purchasing a new home or refinancing, you can count on us to make the process straightforward and stress-free. We specialize in residential home loans and are an approved lender for FHA, VA, and USDA loans. Wondering why homebuyers choose Lone Star Financing over other mortgage companies?
Here’s what sets us apart:
- Competitive Low Rates
- In-House Underwriting
- Fast Loan Closings
- Unbeatable Customer Service
As a direct mortgage lender right here in Texas, we don’t broker loans—everything is processed in-house. We use practical, common-sense underwriting, which allows us to deliver personalized service and faster loan approvals. Being based in Texas gives us a local advantage, offering face-to-face customer care and VIP treatment throughout the loan process. With all underwriting handled locally in Katy, we ensure efficient, flexible solutions designed specifically for Katy, Texas homebuyers.
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
KATY, TX MORTGAGE LENDING
CALL TODAY (855) 314-8080
- Mortgage Broker
- Low Rates & Low Fees
- Close in as few as 21 days
- On-Time Closing
Katy, TX Mortgage Broker
If you’re searching for a mortgage lender in Katy, Lone Star Financing specializes in new home purchases, VA loans, and FHA loans. As a local Katy mortgage lender, we service our own loans and offer flexible underwriting through independent guidelines—giving Katy homebuyers a clear advantage over traditional banks and many mortgage brokers. We look forward to earning your business.
Our 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 right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Central Texas Lending
Real Estate Snapshot–As of January 2026, the average home price in Katy is $454,465, based on seasonally adjusted data for mid-tier homes. There are currently 2,524 resale and new homes on the market, including 22 open houses and 342 properties in auction, foreclosure, or bank-owned stages.Search for homes for sale in Katy, TX.
Katy home prices remained relatively stable year over year, with a modest 2.4% increase and an average sale price of $484K. Homes are selling faster, averaging just 8 days on the market compared to 10 days last year. In April, 312 homes sold, down from 466 the prior year. Best Katy Neighborhoods (2025): Based on amenities, school quality, and affordability, top communities include Cross Creek Ranch, Cinco Ranch, Kelliwood, Seven Meadows, Elyson, and Grand Lakes.