Houston’s Trusted
Mortgage Experts
Mortgage broker in Houston with low rates, more loan options, and local expertise you can trust
Houston Mortgage Broker with Low Rates & Fast Closings
Lone Star Financing is a trusted Houston mortgage broker offering competitive rates, flexible loan options, and personalized service. With access to 20+ lenders and wholesale pricing, we provide more options, lower rates, and fast closings.
Whether buying your first home or refinancing, our team provides personalized service, low rates, and more loan options.
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- Access to 20+ Lenders
- Fast Pre-Approvals
- Low Rates & Fast Closings
- Local Houston Expertise
We specialize in new purchases with flexible mortgage options, competitive rates, and a streamlined home buying process.
- Primary & Secondary Homes
- FHA, VA & USDA Options
- Low Down Payment Programs
- Competitive Rates & Terms
Conventional loan options with flexible terms, lower mortgage insurance, and attractive rates for qualified homebuyers.
- 30, 20 & 15-Year Fixed Terms
- Financing Up to $832,750
- Primary & Secondary Homes
- Up to 95% Financing Available
FHA loans offer flexible guidelines, low down payment options, and an affordable path to homeownership for first-time buyers.
- Low 3.5% Down Payment
- Flexible Credit Guidelines
- 203(k) Renovation Financing
- Ideal for First-Time Buyers
Houston VA loans provide eligible veterans and active-duty service members with flexible financing and powerful benefits.
- Zero Down Payment Options
- No Private Mortgage Insurance
- Flexible Credit Guidelines
- Exclusive Benefits for Veterans
Refinancing can help lower your monthly payment, lower your rate, or improve your loan terms with more flexible options.
- Lower Monthly Payments
- Shorten Your Mortgage Term
- FHA Streamline Refinancing
- VA IRRRL Refinance Options
DSCR loans for Houston real estate investors with flexible qualifying based on rental income instead of personal income documentation.
- Financing Up to $3 Million+
- No Tax Returns or W-2s
- Qualify Using Rental Income
- Multifamily, Airbnb & STR Eligible
More Loan Options
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
Access your home equity for improvements, debt consolidation, or major expenses.
Commercial
Business and investment property financing solutions for Austin borrowers.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
Why Choose Lone Star Financing?
Lone Star Financing is your trusted Houston mortgage expert, offering personalized guidance, competitive rates, and local market knowledge.
From first-time buyers to experienced homeowners, we help you compare loan options and move toward closing with confidence.
Start Your Pre-ApprovalClose on Time
Fast approvals, clear communication, and timely funding from application to closing.
Wholesale Pricing
Access competitive mortgage rates, wholesale pricing, and flexible loan options.
Personalized Service
Work with experienced Houston mortgage specialists who guide you through every step.
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Glen Dicken
Sr. Loan Officer
NMLS #313548
Brett Dempsey
Branch Manager
NMLS #2014728
Mark Dusza
Sr. Loan Officer
NMLS #860825
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
“Outstanding experience with LoneStar Mortgage, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference, especially when challenges arose.”
“Jen made our first home mortgage process easy and stress-free! She was extremely responsive, explained everything clearly, and helped us secure a great rate.Jen answered all our questions promptly and made sure we understood every detail.”
“I worked with Jen Papaelias at Lone Star Financing and I cannot rave enough about her. She went above and beyond to make sure that I was able to purchase my dream home. The few minor bumps we had, she was able to help us work to get them fixed.”
Today's Rates
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HOUSTON, TX MORTGAGE BROKER
CALL (855) 314-8080
Lone Star Financing is a trusted Houston mortgage broker offering residential and commercial loans, competitive rates, fast pre-approvals, and in-house processing—allowing us to close quickly, often in as little as 21 days, with personalized local service.
Serving Homebuyers Across South Texas
In addition to Houston, Lone Star Financing provides mortgage solutions throughout South Texas. Below are nearby cities where we also offer home loan and refinancing services.
2026 Houston Real Estate
The Houston housing market remains stable in 2026, with home prices rising due to strong demand and limited inventory. While buyers face competitive conditions and higher rates, Houston continues to attract homeowners and investors thanks to its strong economy and relative affordability.
View all 12,259 homes for sale in Houston from Realtor.com. See pricing and listing details and set search criteria to filter your home search by MLS, zip codes, price and more.
