Midland Home Loans & Refinancing from a Trusted Lender
Buying a home in Midland, TX? Lone Star Financing is a trusted local mortgage lender helping Midland homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan options, and personalized service for first-time and move-up buyers.
As a mortgage broker with access to 20+ lenders and wholesale pricing, we deliver lower rates and fast closings—guiding you smoothly from application through closing.
- Mortgage Broker
- Wholesale pricing access
- No Cost Rate Quote
- Fast Approvals
- Texas Customer Service
Our Home Loan Options
Midland Home Loans
We specialize in new home purchases and offer a variety of loan programs to meet your needs:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates & Variable Terms
Conventional Loans
Conventional home loans up to $832,750 – lower interest rates and reduced mortgage insurance:
- 30, 20 and 15-Year
- Ultra low rates
- Primary or secondary
- Up to 95% Financing
FHA Loans
FHA loans are perfect for first time home buyers, but you don’t have to be a first time buyer:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
Approved VA lender for $0 Down veteran home loans offering specialized VA mortgage services:
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Options
USDA Loans
USDA loans for rural properties in Midland- USDA loans offer 100% financing for qualified buyers:
- Rural Properties
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Mortgage Refinance
Streamlined hassle free mortgage refinancing. Take advantage of lower rates and save!
- Rate & Term Refinance
- Cash-Out Refinance
- FHA Streamline Available
- VA IRRRL Streamline
A Smarter Way to Finance Your Home
Lone Star Financing is your trusted Midland mortgage expert, providing personalized home loan guidance backed by local market knowledge. We help buyers and homeowners choose the right financing with confidence at every stage of the process.
Close on Time
Our goal is to close every loan in 21 days or less. With streamlined processing and hands-on oversight, we deliver fast approvals and on-time funding you can count on.
Better Rates
Midland Mortgage Lender with Low Rates, Low Fees and Fast Closings. VA, FHA and USDA Loans.
Service
Midland's trusted lender for exceptional customer service, low rates, low fees and fast closing.
Trusted Midland Mortgage Experts
Lone Star Financing is your trusted mortgage lender in Midland, TX, delivering competitive rates and fast, reliable closings. Our secure, technology-driven platform makes applying simple and efficient—so you can move from application to approval with confidence.
Since 2007, we’ve built our reputation on integrity, transparency, and outstanding service. Whether you’re buying a home or refinancing in Midland, we’re here to guide you every step of the way.
Finding a home loan or refinancing in Midland, TX, doesn’t need to be stressful or time-consuming. If you’re a first-time homebuyer, don’t let the application process overwhelm you. Reach out to Lone Star Financing, and we’ll guide you through applying for an FHA loan, a great option for first-time buyers. We also specialize in VA and USDA loans in Midland, TX. As a Texas-based home lender, we work with local underwriters, allowing us to approve loans quickly—sometimes even on the same day!
Ranked #1 by Midland, TX Realtors, Lone Star Financing is a trusted choice for home loans. Begin your home search with us—call or click today to connect with one of our home loan specialists, or complete our online application to kickstart your approval process. Knowing you’re pre-approved with Lone Star Financing will give you confidence as you search for your dream home.
Why Choose Lone Star Financing?
- Competitive rates and low fees
- Local Texas underwriting
- No-obligation Good Faith Estimate
- Midland customer service
Lone Star Financing—your trusted Midland mortgage company for new home purchases and refinancing.
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
Midland Mortgage Lending
CALL TODAY (855) 314-8080
- Low Rates & Low Fees
- Close in 21 Day or Less
- No-Obligation Loan Estimate
- Local Customer Service
Lone Star Financing is a trusted mortgage lender in Midland, TX, offering low rates, minimal fees, and fast approvals through local Texas underwriting. Our streamlined digital platform and personalized service make buying or refinancing simple, with FHA, VA, and USDA loan options available.
Our mission is to deliver exceptional service and become your mortgage lender for life. Discover why Midland homebuyers trust Lone Star Financing for a smooth, reliable mortgage experience.
2026 Midland, TX Real Estate
Midland Real Estate Snapshot — Located in the southern plains of West Texas, Midland currently has 763 resale and new homes on the market, including 78 properties in pre-foreclosure, auction, or bank-owned stages. As of January 2026, the median listing price in Midland is $368,050, reflecting a 6.7% year-over-year increase. View all homes for sale in Midland, TX.