San Marcos Mortgage Lender

LONE STAR FINANCING

SAN MARCOS, TX
HOME LOANS

Direct lender with low rates

Lone Star Financing - Your Local San Marcos Lender

Buying a new home in San Marcos? Lone Star Financing is your trusted local Texas lender, providing competitive rates and exceptional service with in-house underwriting for fast approvals and on time closings.

FHA, VA, & USDA Loans

Direct Mortgage Lender
In-House Underwriting

Low Rates & Low Fees
Free Good Faith Estimate
Local Customer Service!

San Marcos Mortgage Company

At Lone Star Financing, we believe that finding the right mortgage begins with choosing the right lender. Since 2007, we’ve proudly served the San Marcos community with honesty, outstanding customer service, and transparent lending practices. We are an approved FHA and VA lender in San Marcos and here to provide the expertise and support you need for a smooth and hassle-free mortgage experience. Jump in front of the line and apply online or call today!

More About Us

Lone Star Financing is a trusted mortgage lender serving San Marcos, TX, and surrounding areas. As a direct lender, we offer a full range of home loan products with competitive rates, low fees, and quick closings. Thanks to our in-house underwriting and local processing, we make faster decisions than traditional brokers. Our goal is to close all loans in 28 days or less. Learn more About Us As a locally-owned Texas mortgage company, we take a “common sense” approach to underwriting, offering flexibility and personalized service. Our mission is to provide integrity, excellent customer service, and transparent lending practices—an approach that has made us a leading mortgage company in San Marcos, TX. We’re also an approved FHA, VA, and USDA lender, allowing us to meet the diverse needs of Texas homebuyers. Contact us today or apply online—we look forward to earning your business!

Our Texas Home Loans

San Marcos Home Loans

Looking to buy a new home in San Marcos? We offer a variety of home loan programs specifically designed for new homebuyers:

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

LEARN MORE APPLY NOW

Conventional Loans

Conventional home loans are our most popular loan types and a great option for borrowers with good to great credit.

30, 20 and 15-Year terms
Financing up to $766,500
Primary home, secondary, investment
Up to 95% Financing

LEARN MORE APPLY NOW

San Marcos FHA Loans

For first-time home buyers in San Marcos, FHA loans offer a down payment as low as 3.5% and allow the use of gift funds.

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

LEARN MORE APPLY NOW

San Marcos VA Loans

We are an approved VA lender in San Marcos with low rates and we are here to help our Texas Vets maximize their benefits.

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

LEARN MORE APPLY NOW

Cash Out Refinance

Tap into your home’s equity with a Texas Cash-Out Refinance in San Marcos – lower rates and flexible refinancing options.

Home Improvements
Debt Consolidation
Personal Expenses
Higher Education

LEARN MORE APPLY NOW

Mortgage Refinance

Lone Star Financing provides low rates and a streamlined, hassle-free process to help you refinance your mortgage in San Marcos.

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

LEARN MORE APPLY NOW

San Marcos, TX Mortgage Experts

Close on Time

We aim to close every loan within 28 days. In-house underwriting, processing, and on-time funding.

Low Rates

Your local San Marcos Lender with Low Rates and Low Fees. We are an approved FHA, VA, and USDA lender in Texas.

Service

Locl San Marcos mortgage company for outstanding customer service and a stress-free experience start to finish

Jump in Front of the Line
Get Pre-Qualified Today!

Get pre-approved before you fall in love.

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!

SAN MARCOS MORTGAGE RATES

CALL TODAY (855) 314-8080

Local San Marcos, TX Lender
Close in as little as 28 Days
Local underwritingand closing
No-Obligation Loan Estimate
Texas Customer Service

Lone Star Financing is a premier mortgage lender offering FHA, USDA, VA, and conventional mortgages. Our friendly consultants will educate you on various loan programs and help you find the best financing options. If you’re a U.S. military veteran, you may qualify for a VA home loan with many advantages. We also specialize in USDA loans and mortgage refinancing—turn your home equity into cash or lower your interest rate. With local Texas underwriting, we ensure fast approvals and closings. Contact us today or fill out our quick online application; our mortgage experts are ready to guide you through the home loan process.

San Marcos Lender with Low Rates
Local underwriting for fast approval
No-Obligation Good Faith Estimate
Local Texas customer service

Lone Star Financing – Your San Marcos, Texas new home purchase and refinance specialist with low rates and low fees. Whether you need home financing in Austin, San Antonio, Houston or San Marcos we have you covered.

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

San Marcos, TX Real Estate – The central Texas housing market continues to stay hot even amidst the rising mortgage rates. As of October, 2024 there were 432 homes for sale in the San Marcos area with a median home value of $402,753. Search all homes for sale in San Marcos, TX. San Marcos is located in central Texas between Austin and San Antonio. Popular neighborhoods in San Marcos include central, downtown, Willow Creek Estates, Heritage, Sessom Creek and Blanco Gardens.

SAN MARCOS, TX
HOME LOANS