Waco, TX Mortgage Lender

LONE STAR FINANCING

WACO, TX
HOME LOANS

Low rates, low fees, and fast closing

Lone Star Financing - Your Waco, TX Mortgage Lender

Whether you’re buying a new home in Waco or refinancing your current mortgage, Lone Star Financing has you covered! We offer competitive rates, top notch customer service, and in-house underwriting to close loans fast.

Waco Mortgage Company

Waco TX mortgage company — Waco, TX Lender

Welcome to Lone Star Financing – your local direct mortgage lender in Waco, TX. As a direct lender, we offer competitive rates and fast loan closings, making the process smooth and hassle-free. Our technology-driven platform lets you complete your application, sync bank accounts, upload documents, and receive full loan approval securely and easily. The right mortgage starts with the right lender. Since 2007, we’ve built our reputation on integrity, excellent customer service, and transparency. Whether you’re buying a new home or refinancing, Lone Star Financing is here to help you every step of the way!

About Lone Star Financing

Buying a new home in Waco or need help to refinance your mortgage? Lone Star Financing is a direct lender right here in Waco, TX that specializes in new home purchases and mortgage refinance. We offer a bevy on mortgage programs including: Texas FHA Loans, VA Home Loans and USDA rural home loans in Waco. With a forward-thinking approach, we combine modern technology and common sense to prioritize our clients’ needs. We offer low rates, a streamlined process and unbeatable service:

Direct Mortgage Lender
Local underwriting and closing for fast approvals
No-Obligation Good Faith Estimate
Local Waco, TX customer service

What sets Lone Star Financing apart? We offer competitive rates, personalized service, and a wide range of mortgage products with quick and easy pre-approvals. Our motto—low rates, low fees, and fast closings—has made us a top choice for Waco borrowers, earning us a reputation as a trusted mortgage lender in Texas. Lone Star Financing is a local Texas mortgage lending company dedicated to building long-term relationships with borrowers, regardless of market conditions. Our goal is to not just meet expectations, but to exceed them, leaving clients saying, “Great job!” We aim to be your trusted mortgage lender for life, not just for one loan. Discover why more people are choosing Lone Star Financing for a better mortgage experience in Waco. Whether you need home financing in Dallas, Houston, Austin, San Antonio or Waco, we have you covered. Call us today to visit: (855) 314-8080

Our Home Loan Programs

Waco New Home Loans

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

Primary home, secondary, investment
FHA, USDA, and VA Loans
Low Rates & Variable Terms
Renovation loan programs

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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

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Waco FHA Home Loans

FHA home loans are perfect for first time home buyers in Waco, 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

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Waco VA Loans

We are an approved VA lender for veteran home loans in Waco, 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

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USDA Home Loans

USDA loans for rural properties in Waco come with a variety of benefits. These loans offer 100% financing for qualified buyers.

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

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Waco Mortgage Refinance

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

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

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Waco, Texas Mortgage Experts

Close on Time

Our goal is to close every loan in 28 days or less. With in-house underwriting, processing, and closing, we ensure quick approvals and timely funding.

Low Rates & Fees

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

Customer Service

Waco’s trusted mortgage company for exceptional customer service – we prioritize client needs, delivering 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!

Looking to buy a new home or refinance in Waco, TX? Lone Star Financing, a trusted direct lender in Texas, offers a wide range of mortgage products, including FHA, VA, USDA, Jumbo, and conventional home loans. We customize loan options to meet your unique financial needs. With local underwriters right here in Texas, we deliver fast approvals and ensure your loan closes on time. At Lone Star Financing, we understand that every borrower’s situation is unique, which is why we take a personalized approach to every loan. Whether you’re a first-time homebuyer, a seasoned homeowner, or looking to refinance for better terms, our experienced team will guide you through the process with transparency and care, ensuring a stress-free experience from start to finish.

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

Waco, TX Real Estate Snapshot – As of October 2024 there are currently 642 homes for sale in Waco, TX at an average listing price of $243400. Including 152 houses in the pre-foreclosure or bank-owned stages of the foreclosure. View all homes for sale in Waco, TX.

Waco, TX Mortgage Lender

WACO, TX
HOME LOANS